# John Spoto

> John Spoto is a fee-only financial advisor at Sentry Financial Planning, LLC in Andover, Massachusetts, who holds the CFP and MBA credentials. John charges a percentage of assets and a one-time planning fee (one-time plans from $4,850 and 0.75% a year on the first tier of assets managed) and focuses on retirement planning, tax planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/john-spoto/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Sentry Financial Planning, LLC
- **Based in:** Andover, Massachusetts
- **Fee model:** Percentage of assets; One-time planning fee
- **Fees (firm's website):** one-time plans from $4,850; 0.75% a year on the first tier of assets managed
- **Assets under management (firm):** $49.4M across 145 accounts
- **Credentials:** CFP, MBA
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning
- **Works with:** Pre-retirees, Retirees
- **CRD:** 5507127 (https://adviserinfo.sec.gov/individual/summary/5507127)
- **SEC registration:** Investment adviser representative in MA
- **Exams passed:** Series 65 (2008)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** http://sentryfinancialplanning.com

## Frequently asked questions

### Is John Spoto a fee-only financial advisor?

Yes. John Spoto is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by John's firm.

### How does John charge for financial advice?

John charges a percentage of assets and a one-time planning fee.

### How much does John charge?

According to Sentry Financial Planning, LLC's website, checked October 28, 2026: one-time plans from $4,850; 0.75% a year on the first tier of assets managed.

### Where is John Spoto based?

John Spoto is based in Andover, Massachusetts.

### What does John specialize in?

John's specialties include retirement planning, tax planning and estate & legacy planning. John works with pre-retirees and retirees.

### What credentials does John Spoto hold?

John Spoto holds the CFP and MBA credentials.

### Is John Spoto registered with the SEC?

Yes. John Spoto is registered as an investment adviser representative in MA (CRD 5507127), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Sentry Financial Planning, LLC manage?

Sentry Financial Planning, LLC reports $49.4M across 145 accounts in assets under management.

### How do I contact John Spoto?

Through John's website, sentryfinancialplanning.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/6225): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://sentryfinancialplanning.com/): specialties, clients served, and fees, checked October 28, 2026

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