A Financial Planner can help you articulate your financial goals, your expectations and your concerns about the future, and prepare a concrete plan that addresses your entire financial picture. A Financial Planner can provide accountability, act as a sounding board, and make adjustments to the plan when major life events occur. Additionally, a Financial Planner can coordinate other professionals; such as CPAs, Estate Planners and Insurance Representatives to make sure the plan takes a unified approach, and an investment strategy that is properly executed.

The CFP® credential is recognized as the highest standard in the field of personal financial planning; less than 20% of practicing financial advisors in the industry can claim this distinction. The CFP® certification process, administered by CFP® Board, communicates to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when working with clients. The CFP® Board’s Standards of Professional Conduct require CFP® professionals to place their clients’ interests ahead of their own when delivering financial planning advice.

All fees will be transparent and agreed upon in advance. Wealth Management fees are billed at the beginning of each calendar quarter. Please see Form ADV Part 2A below for more information on these rates.

1. Initial Meeting. We’ll discuss your finances at a high level, the services we can provide to help you meet your objectives, and determine a fee structure based on your needs.

2. Gather information. We’ll define your financial situation, personal and financial goals, timeline, and attitude about risk. We’ll gather all relevant financial documents and information.

3. Analyze and Evaluate. We’ll analyze your information to assess your financial situation and determine what’s needed to achieve your goals. This assessment could include analyzing your assets, liabilities and cash flow, current insurance coverage, investments, or tax strategies.

4. Develop and Present. We’ll develop and review financial planning recommendations with you that address your goals and concerns and revise recommendations as needed. We’ll present you with a custom financial plan containing specific recommendations and a timeline.

5. Implement your plan. Together we’ll agree on how the specifics of your plan will be carried out and provide necessary accountability. We may carry out the recommendations for you or coordinate the process with other professionals such as attorneys or insurance professionals.

6. Monitor and Adjust. We will monitor your progress, keep you on track, and make any necessary adjustments should life take an unexpected turn.

Though we do not have asset minimums, the net worth of our clients are in the range of $1,000,000 to $10,000,000.

We only provide planning advice as part of our work with clients who are signed up for our Wealth Management service offering.

We’re located in Boston, Massachusetts and we work only virtually via Zoom meetings, with clients across the country.

In order to maintain “fee-only” status, we do not sell insurance or any other commission based products. We believe selling commission based products can lend itself to providing conflicted advice. In the event that a client needs insurance, we would refer them to a reputable firm that offers insurance.