# Justin Gaudino

> Justin Gaudino is a fee-only financial advisor at Arborstone Financial in Andover, Massachusetts, who holds the CFP credential. Arborstone Financial reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/justin-gaudino/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Arborstone Financial
- **Based in:** Andover, Massachusetts
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $476M across 1,645 accounts
- **Credentials:** CFP
- **CRD:** 6537589 (https://adviserinfo.sec.gov/individual/summary/6537589)
- **SEC registration:** Investment adviser representative in MA, TX
- **Exams passed:** Series 63 (2015), Series 65 (2024)
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** https://www.arborstonefinancial.com

## Frequently asked questions

### Is Justin Gaudino a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Justin holds no broker registration, and Arborstone Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Justin charge for financial advice?

Justin's firm, Arborstone Financial, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Justin Gaudino based?

Justin Gaudino is based in Andover, Massachusetts.

### What credentials does Justin Gaudino hold?

Justin Gaudino holds the CFP credential.

### Is Justin Gaudino registered with the SEC?

Yes. Justin Gaudino is registered as an investment adviser representative in MA and TX (CRD 6537589), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Arborstone Financial manage?

Arborstone Financial reports $476M across 1,645 accounts in assets under management.

### How do I contact Justin Gaudino?

Through Justin's website, www.arborstonefinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6537589): 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
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.