Joseph Michael Alvarez

Employer firm

Commonwealth Financial Network CRD 8032

$213B regulatory AUM 20,450 advisory clients

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)
• Portfolio management (institutions)
• Pension consulting
• Selection of other advisers
• Periodicals / newsletters

From the firm’s Form ADV. Read the guides:

• Item 5F — Regulatory AUM
• Item 5G — Advisory services
• Full firm profile

Current Employers

Employment History

• 04/2013 → Present
  Commonwealth Financial Network
  Waltham, MA
• 03/2016 → Present
  Banyan Financial Services
  Wells, ME

Previous Registrations

• 2013-04-23 → 2016-03-18
  Nvest Financial, Llc
  Portsmouth, NH
• 2012-04-05 → 2013-05-06
  Vancegray Wealth Management, Inc.
  Bangor, ME
• 2005-02-23 → 2007-01-10
  Ameriprise Financial Services, Llc
  South Portland, ME
  Bangor, ME

Other Businesses

1) Owner, Banyan Financial Inc.; a private entity established to facilitate securities, advisory, and insurance business; as of 1/01/2022; 100% of time spent during business hours; Conducted at branch; Investment related. 2) Fixed insurance sales under Banyan Financial Services. Investment related and conducted at branch location. 3) Owner of rental property located in Greenville, ME, as of 6/30/2025; 0% time spent during business hours; Not conducted at branch location; Investment related. 4) Head Golf Coach, Oyster River High School; Located at 55 Coe Drive, Durham, NH 03824, as of 6/01/2026; 20% of time spent during business hours; Not Conducted at branch location; Not Investment related.

Exams

• S66 Uniform Combined State Law Examination
  2005-02-18

Other Names

• Joe Alvarez