# Christopher Lazzaro > Christopher Lazzaro is a fee-only financial advisor at Plan For It Financial, LLC in Salem, Massachusetts, who holds the ChFC and RICP credentials. Christopher charges a one-time planning fee, a subscription and hourly fees (ongoing planning from $4,800 a year and one-time plans from $3,500) and focuses on retirement planning, sustainable & impact investing and pension planning. Page: https://find.wellspent.co/advisors/christopher-lazzaro/ Built from public directory listings; last checked April 25, 2026. ## Facts - **Firm:** Plan For It Financial, LLC - **Based in:** Salem, Massachusetts - **Fee model:** One-time planning fee; Subscription; Hourly - **Fees (firm's website):** ongoing planning from $4,800 a year; one-time plans from $3,500; $350 an hour - **Accepting new clients:** Yes (firm's website) - **Assets under management (firm):** Under $25M - **Credentials:** ChFC, RICP - **Specialties:** Retirement planning, Sustainable & impact investing, Pension planning, Flat-fee planning - **Works with:** Retirees, Pre-retirees, Executives, HENRY (High Earners, Not Rich Yet), High earners - **Firm size:** 1 employee - **Website:** www.planforitfinancial.com ## About Christopher Lazzaro, ChFC®, RICP® founded Plan For It Financial, LLC to follow his passion for helping others gain a deeper understanding and control of their personal finances. While most everyone understands the importance of getting their financial house in order, the challenge lies in balancing living for today, while maintaining an eye toward the future. Bridging this gap through realistic goal setting, establishing priorities, and practical, actionable advice without the unnecessary layers of financial jargon and complexity is the firm’s primary value proposition. With that belief in mind, Chris is dedicated to guiding individuals and families through the process of defining, creating, and executing financial plans unique to their specific goals and circumstances. The firm's guiding principles are clear: * Plan For It Financial is an advice-only financial planning firm. You can expect comprehensive financial advice and education without the precondition of managing your investments. * Plan For It Financial is a fee-only firm. You will always know what you are paying, in the form of an hourly or flat fee, and there are no asset minimum threshold requirements. * Plan For It Financial acts as a fiduciary to its clients and is legally and ethically required to always act in your best interest. Chris focuses principally on mid- to late-career professionals and early-stage retirees but serve clients at various points along their financial journey. Mid- to late-career professionals and early-stage retirees are often considered to be nearing or in the retirement "red zone." The retirement “red zone” is characterized as the five years leading up to and following the decision to stop working full time. He has found clients appreciate working with an advisor that can directly relate to this exciting, but also unchartered, season of life. Chris' three decades of investment management and insurance experience, includes more than 23 years at one of Boston's preeminent institutional asset managers working with some of the country’s largest public and private pension plans, endowments, and foundations. Chris takes great pride in helping clients eliminate the guesswork and providing the necessary steps to follow on the path to financial freedom. ## Frequently asked questions ### Is Christopher Lazzaro a fee-only financial advisor? Yes. Christopher Lazzaro is listed in the public advisor directory (listed as fee-only). ### How does Christopher charge for financial advice? Christopher charges a one-time planning fee, a subscription and hourly fees. ### How much does Christopher charge? According to Plan For It Financial, LLC's website, checked October 28, 2026: ongoing planning from $4,800 a year; one-time plans from $3,500; $350 an hour. ### Where is Christopher Lazzaro based? Christopher Lazzaro is based in Salem, Massachusetts. ### What does Christopher specialize in? Christopher's specialties include retirement planning, sustainable & impact investing, pension planning and flat-fee planning. Christopher works with retirees, pre-retirees, executives, HENRY (High Earners, Not Rich Yet) and high earners. ### What credentials does Christopher Lazzaro hold? Christopher Lazzaro holds the ChFC and RICP credentials. ### How much does Plan For It Financial, LLC manage? Plan For It Financial, LLC reports Under $25M in assets under management. ### How do I contact Christopher Lazzaro? Through Christopher's website, www.planforitfinancial.com. ## Sources - Public advisor directory: listed as fee-only - SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026 - The firm's website (https://planforitfinancial.com/): specialties, clients served, and fees, checked October 28, 2026 --- Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.