Caroline Gaffney
Atwater Wealth Management · Boston, Massachusetts
Caroline Gaffney is a fee-only financial advisor at Atwater Wealth Management in Boston, Massachusetts, who holds the CFP and CFA credentials. Caroline charges a percentage of assets and a flat fee or retainer (0.45%–1% a year of assets managed and a $2,000,000 asset minimum).
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Facts
| Firm | Atwater Wealth Management |
|---|---|
| Based in | Boston, Massachusetts |
| Fee model | Percentage of assets · Flat fee or retainer |
| Fees (firm's website) | 0.45%–1% a year of assets managed · A $2,000,000 asset minimum |
| Assets under management | $248.2M across 322 accounts |
| Credentials | CFP · CFA |
| SEC registration | Investment adviser representative in MA, TX · CRD 4699800 |
| Exams passed | Series 66 (2003) |
| Firm size | 3 employees |
| Disclosures | None reported |
| Website | atwaterwealth.com |
| Profile |
How Caroline's firm compares
- Atwater Wealth Management's average account is about $771,000, from its Form ADV (assets managed divided by 322 accounts).
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Questions about Caroline
Is Caroline Gaffney a fee-only financial advisor?
Yes, according to SEC records as of October 29, 2026: Caroline holds no broker registration, and Atwater Wealth Management reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.
How does Caroline charge for financial advice?
Caroline charges a percentage of assets and a flat fee or retainer.
How much does Caroline charge?
According to Atwater Wealth Management's website, checked October 30, 2026: 0.45%–1% a year of assets managed; a $2,000,000 asset minimum.
Where is Caroline Gaffney based?
Caroline Gaffney is based in Boston, Massachusetts.
What credentials does Caroline Gaffney hold?
Caroline Gaffney holds the CFP and CFA credentials.
Is Caroline Gaffney registered with the SEC?
Yes. Caroline Gaffney is registered as an investment adviser representative in MA and TX (CRD 4699800), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.
How much does Atwater Wealth Management manage?
Atwater Wealth Management reports $248.2M across 322 accounts in assets under management.
How do I contact Caroline Gaffney?
Through Caroline's website, atwaterwealth.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- Atwater Wealth Management website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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