# Kathleen Cefalu

> Kathleen Cefalu is a fee-only financial advisor at Downtown Wealth Studios in Ipswich, Massachusetts. Kathleen focuses on founders (pre-exit), equity compensation and family wealth transfer. Downtown Wealth Studios reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/kathleen-cefalu/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Downtown Wealth Studios
- **Based in:** Ipswich, Massachusetts
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $563.5M across 135 accounts
- **Specialties:** Founders (pre-exit), Equity compensation, Family wealth transfer, Tax planning, Retirement planning, Estate & legacy planning
- **Works with:** Founders, Executives, Ultra high net worth, Multi-generational families, Retirees, Early-career professionals, High earners
- **CRD:** 7176031 (https://adviserinfo.sec.gov/individual/summary/7176031)
- **SEC registration:** Investment adviser representative in FL, MA, NY
- **Exams passed:** Series 63 (2020), Series 65 (2019)
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** https://dtwn.co

## Frequently asked questions

### Is Kathleen Cefalu a fee-only financial advisor?

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

### How does Kathleen charge for financial advice?

Kathleen's firm, Downtown Wealth Studios, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Kathleen Cefalu based?

Kathleen Cefalu is based in Ipswich, Massachusetts.

### What does Kathleen specialize in?

Kathleen's specialties include founders (pre-exit), equity compensation, family wealth transfer, tax planning, retirement planning and estate & legacy planning. Kathleen works with founders, executives, ultra high net worth, multi-generational families and retirees.

### Is Kathleen Cefalu registered with the SEC?

Yes. Kathleen Cefalu is registered as an investment adviser representative in FL, MA and NY (CRD 7176031), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Downtown Wealth Studios manage?

Downtown Wealth Studios reports $563.5M across 135 accounts in assets under management.

### How do I contact Kathleen Cefalu?

Through Kathleen's website, dtwn.co.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7176031): 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
- The firm's website (https://www.dtwn.co/): specialties, clients served, and fees, checked October 30, 2026

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