March 24, 2026
SlateStone Wealth, LLC “SlateStone” or “SSW” is an SEC registered investment adviser. Brokerage and Investment advisory services and fees differ, and it is important for you to understand the differences. There are free and simple tools available to you to research firms and financial professionals at investor.gov/CRS which also provides you with educational material about broker-dealers, investment advisers, and investing.
What investment services and advice can you provide me?
We offer a comprehensive set of investment management and wealth advisory services for high net worth and ultra-high net worth individuals and families, as well as entities and foundations. We offer Investment Advisory, Financial & Wealth Planning, and Customized Private Client and Family Office Services. SlateStone’s investment minimum to establish a relationship is $1 million in investable assets, SlateStone reserves the right to waive minimums at its sole discretion. We monitor client portfolios on an active and ongoing basis as part of our standard services, with formal reviews conducted at least annually or more frequently based on market conditions or based on client request and changes in a client’s circumstances. Most of SlateStone’s clients receive discretionary investment advice, allowing the firm to make investment decisions on the client’s behalf in accordance with their objectives, without requiring prior approval for each transaction. However, at our discretion and based on certain requirements, we also offer non-discretionary services, where clients make the final decision on each investment. For additional information related to any of our services please see ADV Part 2A Brochure item 4.
Conversation Starter: “Given my financial situation, should I choose an investment advisory service? Why or why not?” “How will you choose investments to recommend to me?” “What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?”
What fees will I pay?
SlateStone’s Investment Advisory Fees are charged based on annual assets under management. Our annual investment advisory fees generally range from 1.00% to 0.25%, based on the market value of your assets under management. In certain circumstances, clients below our typical minimums may pay fees that begin at 1.25% annually and decrease as assets under management increase. Clients with lower account sizes, including legacy clients, may pay higher fees under older agreements. Fees are billed quarterly in advance. Because our fees are typically based on the amount of assets we manage, we may have an incentive to encourage you to increase the assets in your account. Our minimum annual fee is $10,000. For Private Client and Family Office Services we also offer a flat fee option encompassing a full scope of services ranging from $24,000 up to $150,000 annually. Financial and Wealth Planning fees are included as part of our standard fee structure. When Financial Planning is the only service to be provided the fee will be negotiated and will start at a minimum of $5,000 for a plan. The investment advisory fees paid to us are in addition to other fees you could pay. Additional fees include custodian fees, brokerage commissions, and private fund investment management or processing fees. Refer to ADV Part 2A Brochure Item 5 for additional information.
You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.
Conversation Starter: “Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?
What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have?
When we act as your investment adviser, we must act in your best interest and not put our interests ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they may affect the investment advice we provide you. Here are some examples to help you understand what conflicts may exist.
Examples of Ways We Make Money and Conflicts of Interest:
Personal Trading. SSW or persons associated with our firm can buy or sell the same securities that we recommend to you, or in which you are already invested. A conflict of interest may exist in such cases where the employee was able to trade in their own best interest and potentially receive a more favorable price than the client received.
Rollover Recommendations. We have a conflict of interest when recommending that you roll over a retirement account, such as a 401k or IRA, to a managed account with SSW, as we receive a fee for the services we provide to you.
Private Investment Recommendations: A conflict may exist with certain private fund investments we may recommend as some of the private fund managers are also Investment Advisory clients of the firm. While we may benefit from recommending certain private investments, we do not receive any additional compensation beyond our standard advisory fees. The decision to invest is entirely yours.
Conflicts may arise when financial advisors recommend insurance to clients where the advisors have an insurance license and receive fees for making the recommendation.
Conversation Starter: “How might your conflicts of interest affect me, and how will you address them?
How do your financial professionals make money?
Our investment advisory professionals are compensated on a combination of annual base salary plus variable compensation on net revenues from client management fees paid. Some of our advisors receive insurance commissions. Please refer to our Form ADV Part 2A Brochure Item 14 for information related to our conflicts of interest.
Do you or your financial professionals have legal or disciplinary history?
Yes. For free and simple search tools to research us and our financial professionals please visit Investor.gov/CRS. For details, go to adviserinfo.sec.gov/individual/summary/3126312
Conversation Starter: “As a financial professional, do you have any disciplinary history? For what type of conduct?
Additional Information:
Conversation Starter: “Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer? Who can I talk to if I have concerns about how this person is treating me?”
For additional information pertaining to SlateStone’s registration status, you may visit investor.gov (CRD #286669). Refer to Form ADV Part 2A Brochure on our website slatestone.com for further information. You may contact us at 800-773-9282 or via email to [email protected].