Wealth manager, independent · Springfield, MA
St. Germain Investment Management
St. Germain Investment Management, Inc. · SEC-registered investment adviser · CRD 155186 · SEC 801-12471
At a glance
St. Germain Investment Management is an SEC-registered investment adviser based in Springfield, Massachusetts, with $3.8B in regulatory assets under management as of its Form ADV filed March 27, 2026. It reports 6,461 individual clients, 1,909 of them high-net-worth, holding an average of about $0.5 million each, and 42 employees. That ranks it 292nd among the nation’s 5,657 independent wealth management RIAs and 21st of 202 in Massachusetts. It reports 2 custodians for its clients’ separately managed accounts: Capital Client Group and Charles Schwab.
Main office 413-733-5111stgermaininvestments.comLinkedInAs filed on Form ADV
- Regulatory AUM
- $3.8B
- Rank among independent wealth managers
- #292 of 5,657
- Rank among all SEC RIAs
- #2,489 of 17,210
- Rank in Massachusetts
- #21 of 202
- Individual clients
- 6,461
- High-net-worth clients
- 1,909
- Accounts
- 6,722
- Discretionary
- 100% of AUM
- Employees
- 42
- Advisory staff
- 30
- Offices
- 6
Owners and executives on its Form ADV
- Michael R. MattyPresident, Director, Secretary
- Timothy W. SuffishDirector
- Polly W. CordleChief Compliance Officer
- John F. FortierTreasurer
Custody and brokerage
2 custodians
- Capital Client Group$69M100%
- Charles Schwab$0M0%
Other RIAs using Capital Client GroupOther multi-custodian RIAs
Broker-dealer
No broker-dealer ties
St. Germain Investment Management reports no employees registered with a broker-dealer and no affiliated broker-dealer.
Who it serves
| Client type | Clients | Regulatory AUM | Share |
|---|---|---|---|
| High-net-worth individuals | 1,909 | $2.3B | 60% |
| Individuals | 4,552 | $1.3B | 33% |
| Charitable organizations | 113 | $142M | 4% |
| Corporations or other businesses | 37 | $104M | 3% |
| Pension and profit sharing plans | 108 | $15M | <1% |
| State or municipal government entities | 3 | $3M | <1% |
Disciplinary disclosures
St. Germain Investment Management answers yes to 3 disclosure items in Item 11 of Form ADV (criminal, regulatory or civil matters involving the firm or its advisory affiliates). Read the details on the SEC’s adviser search ↗
Services
- Financial planning
- Portfolio management for individuals and small businesses
- Portfolio management for businesses and institutions
- Periodicals or newsletters
How it’s paid
- A percentage of assets under management
Form ADV and brochures on the SEC’s adviser search ↗stgermaininvestments.com ↗
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The full record on St. Germain Investment Management
Ten years of SEC filings, its owners and contacts, and how it stacks up against its peers. Atlas members see all of it.
- Assets, accounts, clients and staff, ten years of filings
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- Growth over one, three and five years
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- Rank against 1,084 peers of its type and size
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- Owners and executives, with titles and stakes
- 4 namedLocked
- Main office, fax and compliance officer
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- Filing changes this year, with alerts
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Free while Atlas launches: create a free account and confirm your email. Every figure comes from SEC filings.
Similar-size RIAs in Massachusetts
All of Massachusetts →| Firm | Regulatory AUM | Clients |
|---|---|---|
| Twin Focus Capital Partners, LLCBoston | $4.6B | 75 |
| Reynders, McVeigh Capital Management, LLCBoston | $4.2B | 704 |
| Castle Rock Advisors LLCBoston | $3.9B | 37 |
| Beaumont Financial PartnersNeedham | $3.8B | 1,898 |
| Howland Capital Management LLCBoston | $3.7B | 1,270 |
| SVB WealthBoston | $3.1B | 1,024 |
Background
Questions
How much does St. Germain Investment Management manage?
St. Germain Investment Management reports $3.8B in regulatory assets under management across 6,722 accounts, 100% of it on a discretionary basis, on its Form ADV filed March 27, 2026.
How many clients does St. Germain Investment Management have?
It reports 6,461 individual clients: 1,909 high-net-worth individuals and 4,552 other individuals. Individuals account for about 93% of its regulatory assets.
Where is St. Germain Investment Management headquartered?
Its main office is in Springfield, Massachusetts. It reports 6 offices in total and 42 employees, 30 of whom perform investment advisory functions.
How does St. Germain Investment Management charge clients?
On Form ADV it lists these forms of compensation: a percentage of assets under management. Fees and minimums are set out in its Form ADV Part 2A brochure, available on the SEC’s adviser search.
What custodian does St. Germain Investment Management use?
It reports 2 custodians for its clients’ separately managed accounts: Capital Client Group and Charles Schwab. On Schedule D of its Form ADV filed March 27, 2026, it reports these amounts held: Capital Client Group ($69M); Charles Schwab ($0M). Form ADV lists only custodians holding 10% or more of separately managed account assets.
Is St. Germain Investment Management a hybrid RIA with a broker-dealer?
St. Germain Investment Management reports no employees registered with a broker-dealer and no affiliated broker-dealer.
Is St. Germain Investment Management a fiduciary?
As an SEC-registered investment adviser, St. Germain Investment Management owes its advisory clients a fiduciary duty under the Investment Advisers Act of 1940, which includes duties of care and loyalty. It reports no employees who are registered representatives of a broker-dealer.
Where these numbers come from
Every figure is St. Germain Investment Management’s own answer on its latest Form ADV, from the SEC’s registered-adviser list as of October 1, 2026: regulatory assets and accounts (Item 5.F), clients by type (5.D), employees (5.A and 5.B), compensation (5.E) and services (5.G). Custodians come from Schedule D 5.K(3) of its latest filing (2026-03-27), which lists those holding 10% or more of separately managed account assets and the amount at each. “Hybrid” means some employees are also registered representatives of a broker-dealer (Item 5.B(2)); affiliated broker-dealers are the related persons it lists in Item 7.A and Schedule D. Firm type comes from its own answers: broker-dealer firms are registered broker-dealers themselves (Item 6.A); private fund advisers manage mostly private funds (Item 7.B, 5.D); wealth managers manage at least half their assets for individuals (5.D). Its national rank compares it with every US-based independent wealth management RIA, the same field as The Largest RIAs. Figures are as of the firm’s last annual update, so they can lag recent deals and market moves. Regulatory AUM counts assets the firm continuously supervises and can differ from what a firm markets.
Not an endorsement or a recommendation. Before hiring any adviser, read its Form ADV Part 2A brochure and check its record on the SEC’s adviser search. How to check a financial advisor →