Asset ManagerRIA · CRD 122021SEC-Registered

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Proctor Financial

Proctor Financial is a New England money management and financial planning firm focused on retirement planning and investment management. It puts client...

Proctor Financial

Proctor Financial is a New England money management and financial planning firm focused on retirement planning and investment management. It puts client interests first and provides individualized money management along with holistic retirement planning services. The firm also helps businesses with retirement plan solutions and transition planning for owners.

General information

Firm type

Asset Manager

Year founded

1994

AUM

$200 million

Location

Region

North America

Country

United States

City

Sherborn

Corporate office

Milwaukee, WI, United States

Principals

John Proctor

Founder and CEO

Sector focus

InsurTechFinancial Services

Frequently asked questions

What is Proctor Financial's core business?

Proctor Financial specializes in insurance tracking and lender-placed insurance for mortgage servicers. When a borrower's hazard insurance policy lapses or fails to meet investor guidelines, Proctor Financial places temporary coverage to protect the lender's collateral. This essentially makes the firm a compliance utility embedded within the US mortgage servicing infrastructure.

Is Proctor Financial an insurance carrier?

No, Proctor Financial operates as an insurance intermediary and compliance platform rather than an insurance carrier. It sources lender-placed policies from a network of insurance carriers but does not underwrite risk on its own balance sheet. The firm's value lies in its technology platform and deep expertise in mortgage servicing regulations, not in actuarial underwriting.

What differentiates Proctor Financial from other lender-placed insurance providers?

Proctor Financial's differentiation is its deep vertical integration into mortgage servicing technology workflows. Rather than operating as a standalone insurance agency, the firm functions as a compliance utility that directly interfaces with servicer systems to track coverage, flag lapses, and automate the placement of compliant insurance. This technology-first posture distinguishes it from traditional retail or wholesale insurance brokers that also offer lender-placed products.

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