# Charles Lawson

> Charles Lawson is a fee-only financial advisor at Heritage Financial Network in Concord, Massachusetts, who holds the CFP credential. Charles focuses on small business owners, founders (pre-exit) and retirement planning. Heritage Financial Network reports charging a percentage of assets and hourly fees on its Form ADV.

Page: https://find.wellspent.co/advisors/charles-lawson/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Heritage Financial Network
- **Based in:** Concord, Massachusetts
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly
- **Assets under management (firm):** $85M across 37 accounts
- **Credentials:** CFP
- **Specialties:** Small business owners, Founders (pre-exit), Retirement planning, Estate & legacy planning, Tax planning
- **Works with:** Founders, Retirees
- **CRD:** 4722080 (https://adviserinfo.sec.gov/individual/summary/4722080)
- **SEC registration:** Investment adviser representative in MA
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://www.heritagefinancialnetworks.com

## Frequently asked questions

### Is Charles Lawson a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Charles holds no broker registration, and Heritage Financial Network reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Charles charge for financial advice?

Charles's firm, Heritage Financial Network, reports charging a percentage of assets and hourly fees on its SEC Form ADV.

### Where is Charles Lawson based?

Charles Lawson is based in Concord, Massachusetts.

### What does Charles specialize in?

Charles's specialties include small business owners, founders (pre-exit), retirement planning, estate & legacy planning and tax planning. Charles works with founders and retirees.

### What credentials does Charles Lawson hold?

Charles Lawson holds the CFP credential.

### Is Charles Lawson registered with the SEC?

Yes. Charles Lawson is registered as an investment adviser representative in MA (CRD 4722080), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Heritage Financial Network manage?

Heritage Financial Network reports $85M across 37 accounts in assets under management.

### How do I contact Charles Lawson?

Through Charles's website, www.heritagefinancialnetworks.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4722080): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.heritagefinancialnetworks.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.