Caroline A. Gaffney

ATWATER WEALTH MANAGEMENT

BOSTON, MA 02110

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CRD#: 4699800

Professional summary

Caroline Anne Gaffney, CFP® is a registered financial advisor currently at ATWATER WEALTH MANAGEMENT, INC. located in Boston, Massachusetts.

Caroline is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2003. Caroline has worked at 5 firms and has passed the Series 66, SIE, Series 7 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

1. 07/18/2008 - ACT IN A FIDUCIARY CAPACITY - POWER OF ATTORNEY FOR MY FATHER MYLES W. GAFFNEY. - 1% TIME SPENT. 2. 07/18/2008 - DBA ONLY - ATWATER WEALTH MANAGEMENT - BOSTON, MA. 3. 8/7/2010 - NON-VARIABLE INSURANCE - SELLING A DISABILITY INCOME INSURANCE POLICY THROUGH PRINCIPAL. - TIME SPENT 1% - BOSTON, MA

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Caroline Anne Gaffney's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 2008

Experience

Current

December 23, 2014 - Present

ATWATER WEALTH MANAGEMENT, INC.

Office #1: 176 Federal Street 5th Floor, Boston, MA 02110

RIA

CRD#: 172749

BOSTON, MA

Past

October 23, 2009 - November 20, 2012

P.L.A.N.

RIA

CRD#: 151072

BOSTON, MA

Past

July 21, 2008 - October 30, 2015

LPL FINANCIAL LLC

RIA

CRD#: 6413

BOSTON, MA

Past

July 18, 2008 - November 12, 2015

LPL FINANCIAL LLC

CRD#: 6413

BOSTON, MA

Past

November 12, 2003 - July 3, 2006

IDS LIFE INSURANCE COMPANY

CRD#: 6321

MINNEAPOLIS, MN

Past

November 12, 2003 - July 28, 2008

AMERIPRISE FINANCIAL SERVICES, LLC

CRD#: 6363

QUINCY, MA

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

ATWATER WEALTH MANAGEMENT, INC.

ATWATER WEALTH MANAGEMENT | ATWATER WEALTH MANAGEMENT, INC.

CRD#: 172749 / SEC#: 801-113808

RIA

Registered Investment Advisory firm - (8/10/2018 Approved)

Massachusetts

Registered Investment Advisory firm - (8/14/2018 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Massachusetts
(12/23/2014)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 66

Date: 12/15/2003

Uniform Combined State Law Examination

General Industry/Product Exam

SIE

Date: 11/12/2015

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 11/11/2003

General Securities Representative Examination

Principal/Supervisory Exam

Series 24

Date: 4/24/2012

General Securities Principal Examination

Current Firm

ATWATER WEALTH MANAGEMENT, INC.

ATWATER WEALTH MANAGEMENT | ATWATER WEALTH MANAGEMENT, INC.

CRD#: 172749 / SEC#: 801-113808

RIA

Registered Investment Advisory firm - (8/10/2018 Approved)

Massachusetts

Registered Investment Advisory firm - (8/14/2018 Terminated)

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Contact information

Main Address

176 Federal Street 5th Floor, Boston, MA 02110

Mailing Address

Phone number

(617) 723-1439

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (3 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

ATWATER 2025 AMENDED FORM ADV PART 2A (3/13/2025)

ATWATER 2025 ANNUAL WRAP BROCHURE (2/26/2025)

Regulatory assets under management

Total Number of Accounts	329
AUM (Assets Under Management)	$ 221,978,240

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

Caroline A. Gaffney

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Caroline Anne Gaffney's CRS (Customer Relationship Summary).

Certified licenses

Experience

P.L.A.N.

LPL FINANCIAL LLC

LPL FINANCIAL LLC

IDS LIFE INSURANCE COMPANY

AMERIPRISE FINANCIAL SERVICES, LLC

Primary Firm SEC Registration

ATWATER WEALTH MANAGEMENT, INC.

State Registrations and Notice Filings

Exams

Series 66

Date: 12/15/2003

SIE

Date: 11/12/2015

Series 7

Date: 11/11/2003

Series 24

Date: 4/24/2012

Current Firm

ATWATER WEALTH MANAGEMENT, INC.

Contact information

SEC notice filing (3 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

ATWATER WEALTH MANAGEMENT, INC.

TRUST BUT VERIFY

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