Fairfield Financial Advisors

Fairfield Financial Advisors, Ltd. is a registered investment adviser founded in 1993, based in Wellesley, MA. The firm specializes in providing personalized financial planning and investment management services to individuals, families, and small businesses. They offer fee-only services and do not sell commissioned products. Fairfield primarily invests client assets in no-load mutual funds and individual common stocks through Charles Schwab & Co. The firm's investment strategy focuses on strategic asset allocation tailored to each client's goals and objectives. Fairfield operates on a discretionary basis, with the majority of clients under a discretionary arrangement. They are a fiduciary under ERISA and the IRC, ensuring they act in the best interests of clients. The firm charges an annual fee based on a percentage of assets under management, with no minimum initial investment required. Clients receive regular account reviews and communication, and have the option to terminate the agreement at any time. Fairfield does not engage in performance-based fees, and their clients include individuals, high net worth individuals, families, trusts, estates, and pension and profit sharing plans. The firm's investment approach includes fundamental analysis and strategic asset allocation, with a focus on managing risks such as interest-rate, market, inflation, and liquidity risks. Clients are responsible for voting their own proxies, and the firm does not vote on their behalf. Fairfield does not have any disciplinary disclosures and maintains a Code of Ethics to ensure professional conduct.