# Meridian Financial Advisors Meridian Financial Advisors is a Bank / Wealth / Trust based in Warrenton, United States. ## Overview - **Organization type:** Bank / Wealth / Trust - **Headquarters:** Warrenton, United States - **Region:** North America - **Address:** 13 Water Street, Suite 302, Holliston, MA 01746, United States - **Founded:** 1990 - **Assets under management:** Undisclosed - **Website:** www.meridianfinancial.net - **LinkedIn:** https://www.linkedin.com/company/meridianfinancial ## Regulatory record - **CRD number:** 281969 - **SEC file number:** 801-107287 - **Registration status:** Registered - **Reports private funds:** No - **IAPD record:** https://adviserinfo.sec.gov/firm/summary/281969 ## About Meridian Financial Advisors launched in 1990 in Holliston, Massachusetts, and by 1993 had converted to a fee-only fiduciary model — an early structural commitment in an industry still dominated by commission-based sales. The firm is a Registered Investment Adviser and a member of NAPFA, the trade body that enforces a strict fee-only, fiduciary standard. Its two Massachusetts locations — a Boston-area office in Holliston and a Cape Cod office in North Eastham — serve a client base concentrated in Massachusetts and New Hampshire, though the firm maintains remote capacity for clients nationwide. The practice combines financial planning with asset management, covering retirement planning, tax-aware withdrawal sequencing, estate coordination, and insurance needs analysis. Asset allocation is customized to each client’s time horizon and risk tolerance, with portfolios structured to generate dividend and interest income for distribution needs rather than chasing benchmark-beating returns. The firm manages concentrated equity positions — including employer stock options and restricted stock units — alongside more traditional taxable and tax-deferred accounts. Its tax-planning work integrates asset location, distribution planning, and avoidance of active mutual funds in taxable accounts, which the firm frames as a core alpha source relative to tax-ignorant portfolio construction. The firm’s platform uses Schwab for custody and Advyzon for client-portal and reporting functions. No AUM or client-count figure is publicly disclosed. The firm holds an A+ rating with the Better Business Bureau, where it has maintained accreditation since November 2011. Boston Magazine named it among the top wealth managers in Boston for three consecutive years, based on client-satisfaction surveys, and Paladin Registry assigned it a five-star rating, a designation the Registry reserves for the top seven percent of wealth managers by credential, ethics, and business-practice measures. The team size is not stated on the site, though the firm describes itself as a small team dedicated entirely to client success. Meridian’s structural differentiator is its early and uncompromised adoption of the fee-only fiduciary standard at a time when the wider advisory industry was still debating whether brokers owed clients a suitability standard or a fiduciary one. Unlike many RIAs that have layered on alternative-investment distribution, in-house products, or multi-family-office services in search of scale, Meridian remains a planning-first practice where the investment portfolio is an output of the plan — not the input. That sequencing — plan first, portfolio second — makes its architecture closer to a personal CFO model than to an asset-gathering enterprise. ## Sectors - Wealth Management - Financial Planning ## Offices - North Eastham, MA, United States ## Questions ### What financial planning services does the firm offer beyond investment management? The firm covers retirement planning, tax-aware withdrawal strategies, estate planning coordination, insurance needs analysis, and workplace benefits optimization including stock options and restricted stock units. It also provides specialized planning for widows, divorcees, business owners, and young professionals. The tax-planning service emphasizes asset location, distribution planning from accounts of different tax types, and the deliberate avoidance of tax-inefficient active mutual funds in taxable accounts. ### How does Meridian Financial Advisors construct client portfolios? Portfolios are built around customized asset allocations aligned to each client's financial goals, time horizon, and risk tolerance. The firm constructs portfolios to generate income from dividends and interest to meet planned withdrawals, rather than focusing on market-timing or relative performance against a benchmark. Asset location strategy — placing tax-inefficient assets in tax-advantaged accounts — is embedded in the portfolio design, and the firm manages concentrated positions including employer equity awards. ### Which custodians and technology platforms does the firm use? The firm uses Charles Schwab for custody and Advyzon for client-portal, reporting, and performance functions. The website's client-login area directs to both Schwab and Advyzon. Advyzon is a platform common among independent RIAs for portfolio accounting, billing, and client collaboration, and its use signals a deliberate move away from legacy broker-dealer infrastructure toward a bundled RIA technology stack. ### Does Meridian Financial Advisors participate in private-market or alternative investments? The firm's public materials do not describe private-market or alternative-investment capabilities. Its stated focus is on asset allocation within liquid public markets, customized to individual risk profiles and withdrawal needs. There is no mention of hedge funds, private equity, venture capital, or direct real estate offerings. The practice is built around what it calls comprehensive financial planning, with the investment portfolio serving as one component of a plan rather than a standalone return engine. ## Related profiles - [Meridian Equity](https://altss.com/profile/meridian-equity) - [Meridian General Capital](https://altss.com/profile/meridian-general-capital) --- Last updated: 2026-06-03T20:00:00.000Z Canonical page: https://altss.com/profile/meridian-financial Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology