# Karagosian Financial Services

Karagosian Financial Services is a Bank / Wealth / Trust based in Croton-on-Hudson, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Croton-on-Hudson, United States
- **Region:** North America
- **Address:** Croton-on-Hudson, NY, United States
- **Founded:** 1985
- **Assets under management:** Undisclosed
- **Website:** toinvest.com
- **LinkedIn:** https://www.linkedin.com/company/karagosian-financial-svc

## Regulatory record

- **CRD number:** 124532
- **SEC file number:** 801-121523
- **Registration status:** APPROVED
- **Latest Form ADV filing:** 2026-03-09T05:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/124532

## About

John Karagosian established Karagosian Financial Services in 1985, anchoring the practice in Croton-on-Hudson, New York. The firm emerged during a period of consolidation in the advisory industry and has remained independent, focusing on financial planning and portfolio management for individuals, high-net-worth families, and institutions. The wealth-origin base of the clientele is not publicly disclosed. Karagosian's investment approach integrates financial planning with asset allocation, executing across equities, fixed income, and alternative investments. The firm constructs portfolios tailored to client mandates rather than managing commingled vehicles or proprietary funds. It operates primarily in the US Northeast, serving clients concentrated in the greater New York metropolitan area. The firm's website domain — toinvest. The firm's scale remains privately held, with no publicly reported AUM or professional headcount. No additional offices, philanthropic foundations, or adjacent venture vehicles are known. Karagosian's structural distinction lies in its longevity and independence within a consolidating industry. This architecture makes the firm an outlier among peers of similar vintage, many of which have been absorbed by aggregators or institutional platforms.

## Questions

### What services does Karagosian Financial Services provide?

The firm offers financial planning, asset allocation, and portfolio management. It serves individuals, high-net-worth individuals, and institutional clients. The advisory model is planning-first, with portfolio construction tailored to client-specific mandates rather than a single house strategy.

### What is known about Karagosian's AUM or scale?

Karagosian Financial Services does not publicly disclose assets under management or total client assets. The firm operates from a single office with no reported professional headcount. Its scale is inferred to be boutique based on the single-location, four-decade independent structure.

### Does Karagosian participate in institutional consulting or only individual wealth management?

The firm's public disclosures indicate it provides advisory services to institutions alongside individuals and high-net-worth clients. The nature and scope of its institutional mandates are not publicly detailed. No public pension, endowment, or foundation client relationships have been reported by the firm.

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- [Kapstone Financial Advisors](https://altss.com/profile/kapstone-financial-advisors)
- [KARL MAYER GROUP](https://altss.com/profile/karl-mayer-group)

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Last updated: 2026-08-11T02:43:31.692Z

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