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Private Wealth Management
The core of a family office: how your wealth is invested, planned, protected, and passed on.
Nothing between you
and your wealth.
2026NewsweekAmerica’s Top Financial Advisory Firms2026Boston MagazineFIVE Star Wealth Manager Award
Commons Capital is an independent, fiduciary wealth management firm in Needham, Massachusetts and New York City. Across everything wealth touches, for individuals, families, businesses and institutions, we sell nothing, hide nothing, and answer to no one but you.
Request an IntroductionOur story
The family office was built to stay private. We made it a commons.
com·mons\ˈkä-mənz\noun
- A shared resource, held in trust and stewarded for everyone, not fenced off for a few.
- The Boston Common, which gave Commons Capital its name.
For a hundred years, the most complete way to manage wealth had a name, the family office. One team overseeing everything: your investments, taxes, estate, and philanthropy, all under one roof and answerable only to you. It was also the most exclusive service in the industry. To have it, you needed nine figures and a private staff to run it. Everyone else was sold a product.
We built Commons Capital to break that open. The name comes from the Boston Common. A commons is a shared resource, held in trust and stewarded for everyone, not fenced off for a few. That is the whole idea behind this firm: take the model reserved for the ultra-wealthy, and make it a commons.
Founded in 2009, and independent ever since.
The family office, opened to you.
The Story ContinuesWhat we do
One roof. Everything under it.
Investment management, financial planning, tax and estate coordination, and private banking and lending, handled by one team working from one strategy. Each service stands on its own. Together, they work the way a family office does: every decision made with the rest of your financial picture in view.
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Specialized Client Services
For the particular demands that come with a family office, an institution, or a career in the public eye.
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Private Banking & Lending
The banking side of your balance sheet, arranged through partner institutions and coordinated with the rest.
Overview & Expertise
We were founded on a single conviction: that the depth of a multi-family office should not be reserved for the largest fortunes. Today it shapes every discipline we practice, from investment management and planning to banking and lending, each delivered with the discretion and attention of a true boutique.
Our people
Deep experience. Broad perspective.
Between our advisors: portfolio management, retirement income, equity and executive compensation, estate and tax coordination, and the planning that athletes, entertainers and business owners need. When a question comes up, the person who knows the answer is already in the room.
Meet the Advisors
Our People
Investment Management
June 26, 2026
The Hidden Concentration in “Diversified” Portfolios: What This Week Showed About Owning the S&P 500
On Tuesday afternoon, three stocks moved enough to pull the entire S&P 500 down 1.4 percent in a single session. Most investors holding “the market” through a passive index fund or ETF watched their balance dip and concluded, reasonably, that the market had a bad day.
Retirement Planning
June 24, 2026
TIAA-CREF in Retirement: Income, Growth, and Legacy Without Spending Down Principal
For a retiring academic with TIAA-CREF, the decision usually arrives framed as a binary. Leave everything at TIAA and draw it down across retirement, the way most colleagues do. Or roll the whole balance out to an IRA and start over with a new advisor. Both options miss the better answer.
Commons University
June 15, 2026
Three Ways to Build a Child's Financial Foundation
Signed into law on July 4, 2025 as part of the One Big Beautiful Bill Act, the Trump account (the new §530A account) is a tax-advantaged retirement account opened in a child's name. Any child under 18 with a Social Security number is eligible — there are no income limits on contributors and no earned-income requirement.
Common Queries
What type of insurance does Commons Capital carry to protect my assets?
Through our relationship with Fidelity Institutional Wealth Services, LLC, accounts with Commons Capital have FDIC, SIPC and a supplemental policy through Lloyd’s of London.
The Federal Deposit Insurance Corporation (FDIC) is a U.S. government agency that insures cash deposits at FDIC member banks, generally up to $250,000 per account. For more information related to the FDIC, including coverage limits and rules, please visit fdic.gov.
The Securities Investor Protection Corporation (SIPC) is a nonprofit organization that protects stocks, bonds, and other securities in case a brokerage firm goes bankrupt and assets are missing. The SIPC will cover up to $500,000 in securities, including a $250,000 limit for cash held in a brokerage account. Learn more about SIPC coverage at sipc.org.
Are you a Registered Investment Adviser (RIA) with the Securities and Exchange Commission (SEC)?
Yes, Commons Capital is a Registered Investment Adviser. Our Form ADV is available to interested parties. For more information about Registered Investment Advisers and what you need to know before selecting one, please refer to the SEC's website.
How much wealth do I need to work with you? Do you have a minimum threshold?
Just as our client relationships are unique, so too are our parameters for starting a relationship with a client. Generally, the more complex the financial situation, the more need for assistance. Sometimes the level of complexity is directly correlated with wealth and other times it is not.
We evaluate each potential client relationship as it develops. We do not have a stated minimum relationship size, but clients with at least $500k of investable assets are usually able to take advantage of the majority and holistic nature of our services.
Are the Private Wealth Advisors at Commons Capital fiduciaries?
All of the Private Wealth Advisors at Commons Capital are fiduciaries and manage their clients' investments in a way that is aligned with the clients' best interests. They must follow certain rules and regulations. Some financial advisors can act in a fiduciary capacity, but be careful — this does not mean that all advisors are fiduciaries.
What fees do you charge for your services?
As a fee-based private wealth management firm, we do not have a stated fee schedule with minimums, maximums or breakpoints. Each client relationship is unique and is evaluated on a case-by-case basis. Different services require different rationales for establishing fees.