John Spoto
Sentry Financial Planning, LLC · Andover, Massachusetts
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.
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Specialties
Who they serve
- Pre-retirees
- Retirees
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 | $49.4M across 145 accounts |
| Credentials | CFP · MBA |
| SEC registration | Investment adviser representative in MA · CRD 5507127 |
| Exams passed | Series 65 (2008) |
| Firm size | 2 employees |
| Disclosures | None reported |
| Website | sentryfinancialplanning.com |
How John's firm compares
- A one-time plan starts at $4,850, above the Massachusetts median of $3,000 for fee-only firms that publish prices.
- Sentry Financial Planning, LLC's average account is about $341,000, from its Form ADV (assets managed divided by 145 accounts).
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Questions about John
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- Sentry Financial Planning, LLC website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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