# Michael Mustico

> Michael Mustico is a fee-only financial advisor at The Mustico Financial Group in Elmira, New York. The Mustico Financial Group reports charging a percentage of assets and hourly fees on its Form ADV.

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

## Facts

- **Firm:** The Mustico Financial Group
- **Based in:** Elmira, New York
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly
- **Assets under management (firm):** $316.5M across 466 accounts
- **CRD:** 3182926 (https://adviserinfo.sec.gov/individual/summary/3182926)
- **SEC registration:** Investment adviser representative in NY
- **Exams passed:** Series 63 (1999), Series 65 (2024)
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** http://www.musticofinancial.com

## Frequently asked questions

### Is Michael Mustico a fee-only financial advisor?

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

### How does Michael charge for financial advice?

Michael's firm, The Mustico Financial Group, reports charging a percentage of assets and hourly fees on its SEC Form ADV.

### Where is Michael Mustico based?

Michael Mustico is based in Elmira, New York.

### Is Michael Mustico registered with the SEC?

Yes. Michael Mustico is registered as an investment adviser representative in NY (CRD 3182926), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does The Mustico Financial Group manage?

The Mustico Financial Group reports $316.5M across 466 accounts in assets under management.

### How do I contact Michael Mustico?

Through Michael's website, www.musticofinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/3182926): 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.