# Financial advisors for mid-life transitions in Massachusetts > For mid-life transitions in Massachusetts, talk to a fee-only planner who slows you down before a big decision. A career change, a death, or a sudden inheritance rarely needs action in the first weeks, and a good planner will say so. Records to start with include Patrick Cote of AssetGrade, Elise Stevenson of Clearvue Advisors and Debra Neiman of Neiman & Associates Financial Services. Page: https://find.wellspent.co/audiences/mid-life-transitions/massachusetts/ 34 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to during a mid-life transition in Massachusetts? For mid-life transitions in Massachusetts, talk to a fee-only planner who slows you down before a big decision. A career change, a death, or a sudden inheritance rarely needs action in the first weeks, and a good planner will say so. Records to start with include Patrick Cote of AssetGrade, Elise Stevenson of Clearvue Advisors and Debra Neiman of Neiman & Associates Financial Services. - [Patrick Cote](https://find.wellspent.co/advisors/patrick-cote/), AssetGrade, Boston. Holds the CFP. Fees on file: percentage of assets. - [Elise Stevenson](https://find.wellspent.co/advisors/elise-stevenson/), Clearvue Advisors, Milton. Holds the CFP. Fees on file: percentage of assets. - [Debra Neiman](https://find.wellspent.co/advisors/debra-neiman/), Neiman & Associates Financial Services, Watertown. Holds the CFP. Fees on file: percentage of assets, one-time planning fee. - [Lucy Valandra](https://find.wellspent.co/advisors/lucy-valandra/), Copper Beech Wealth Management, Mansfield. Holds the CFP. Fees on file: percentage of assets, flat fee or retainer. - [Scott Swartz](https://find.wellspent.co/advisors/scott-swartz/), AndersonLane Associates, Needham. Holds the CFP. Fees on file: percentage of assets. - [Teofilo Ferreira](https://find.wellspent.co/advisors/teofilo-ferreira/), Wingate Wealth Advisors, Lexington. Holds the CFP. Fees on file: percentage of assets, fixed fees. ## How many fee-only financial advisors in Massachusetts work with mid-life transitions? The Wellspent public graph lists 34 fee-only advisors for mid-life transitions in Massachusetts, at 13 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for mid-life transitions in Massachusetts located? Of the 34 fee-only advisors for mid-life transitions in Massachusetts, 15 are in Lexington, followed by 5 in Boston and 2 in North Attleboro. ## How do fee-only advisors for mid-life transitions in Massachusetts charge? The most common fee among fee-only advisors for mid-life transitions in Massachusetts is a percentage of assets, used by 94% of the 34 with fees on file. Many use more than one: 56% charge fixed fees and 18% charge by the hour. ## How much do fee-only financial advisors charge in Massachusetts? Fee-only financial advisors in Massachusetts charge a median of $5,000 a year for ongoing planning. We found this across the published prices of 21 Massachusetts firms. ## How much does a one-time financial plan cost in Massachusetts? A one-time financial plan from a fee-only firm in Massachusetts has a median price of $3,000. We found this across the published prices of 27 Massachusetts firms. ## What credentials should a financial advisor for mid-life transitions have? For mid-life transitions, look for the CFP. In Massachusetts, 50% of the 34 advisors listed hold the CFP. - CFP (50% of advisors listed): The CFP covers the whole picture while it's changing. ## How do Massachusetts advisors for mid-life transitions compare with the rest of the US? 18% of fee-only advisors for mid-life transitions in Massachusetts charge by the hour, compared with 41% of the 518 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## What should I ask a financial advisor during a mid-life transition in Massachusetts? - What should I not do in the next six months? - How would you test whether I can afford this change? - How do you work with people going through a hard time? - What can you do for a one-time fee? ## How current is this list of fee-only advisors for mid-life transitions in Massachusetts? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Elise Stevenson](https://find.wellspent.co/advisors/elise-stevenson.md) | Clearvue Advisors | Milton, Massachusetts | CFP, MBA | Percentage of assets | | [Scott Swartz](https://find.wellspent.co/advisors/scott-swartz.md) | AndersonLane Associates | Needham, Massachusetts | CFP | Percentage of assets | | [Christopher Gauthier](https://find.wellspent.co/advisors/christopher-gauthier-4861803.md) | Proactive Financial Solutions 360 | North Attleboro, Massachusetts | CFP | Percentage of assets | | [Debra Neiman](https://find.wellspent.co/advisors/debra-neiman.md) | Neiman & Associates Financial Services | Watertown, Massachusetts | CFP | Percentage of assets, One-time planning fee | | [Patrick Cote](https://find.wellspent.co/advisors/patrick-cote.md) | AssetGrade | Boston, Massachusetts | CFP, CFA | Percentage of assets | | [Adam Wojtkowski](https://find.wellspent.co/advisors/adam-wojtkowski.md) | Copper Beech Wealth Management | Mansfield, Massachusetts | CFP | Percentage of assets, Flat fee or retainer, One-time planning fee | | [Brian Boswell](https://find.wellspent.co/advisors/brian-boswell.md) | Newbridge Wealth Management | Malden, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Lucy Valandra](https://find.wellspent.co/advisors/lucy-valandra.md) | Copper Beech Wealth Management | Mansfield, Massachusetts | CFP | Percentage of assets, Flat fee or retainer, One-time planning fee | | [Linda Gillespie](https://find.wellspent.co/advisors/linda-gillespie.md) | Real World Financial Planning | Chestnut Hill, Massachusetts | | Hourly, One-time planning fee, Flat fee or retainer | | [Carol Khouri](https://find.wellspent.co/advisors/carol-khouri.md) | Wingate Wealth Advisors | Lexington, Massachusetts | CFP | Percentage of assets, Fixed fees | | [Christopher Bekel](https://find.wellspent.co/advisors/christopher-bekel.md) | Wingate Wealth Advisors | Lexington, Massachusetts | CFP | Percentage of assets, Fixed fees | | [David Khouri](https://find.wellspent.co/advisors/david-khouri.md) | Wingate Wealth Advisors | Lexington, Massachusetts | CFP | Percentage of assets, Fixed fees | | [Gary Pomerantz](https://find.wellspent.co/advisors/gary-pomerantz.md) | Wingate Wealth Advisors | Lexington, Massachusetts | CFP | Percentage of assets, Fixed fees | | [Jason Sikorski](https://find.wellspent.co/advisors/jason-sikorski.md) | Wingate Wealth Advisors | Lexington, Massachusetts | CFP | Percentage of assets, Fixed fees | | [Jeffrey White](https://find.wellspent.co/advisors/jeffrey-white.md) | Wingate Wealth Advisors | Lexington, Massachusetts | CFP, ChFC | Percentage of assets, Fixed fees | | [John Slupski](https://find.wellspent.co/advisors/john-slupski.md) | Wingate Wealth Advisors | Lexington, Massachusetts | CFP | Percentage of assets, Fixed fees | | [Michael Claveau](https://find.wellspent.co/advisors/michael-claveau.md) | Wingate Wealth Advisors | Lexington, Massachusetts | CFP | Percentage of assets, Fixed fees | | [Teofilo Ferreira](https://find.wellspent.co/advisors/teofilo-ferreira.md) | Wingate Wealth Advisors | Lexington, Massachusetts | CFP | Percentage of assets, Fixed fees | | [Vannak Sao](https://find.wellspent.co/advisors/vannak-sao.md) | Proactive Financial Solutions 360 | North Attleboro, Massachusetts | | Percentage of assets | | [Adam Waitkevich](https://find.wellspent.co/advisors/adam-waitkevich.md) | Caveness Wealth Advisory | Worcester, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Amy Mastromonaco](https://find.wellspent.co/advisors/amy-mastromonaco.md) | Flying Point Financial | North Andover, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Brian Sawyer](https://find.wellspent.co/advisors/brian-sawyer.md) | Larchmont Wealth Advisors | Lunenburg, Massachusetts | | Hourly | | [Kevin Kennedy](https://find.wellspent.co/advisors/kevin-kennedy.md) | Flying Point Financial | North Andover, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Brian Burkhart](https://find.wellspent.co/advisors/brian-burkhart.md) | Wealth Effects | Boston, Massachusetts | | Percentage of assets | | [Derek Liberti](https://find.wellspent.co/advisors/derek-liberti.md) | Wealth Effects | Boston, Massachusetts | | Percentage of assets | | [Jeffrey McHale](https://find.wellspent.co/advisors/jeffrey-mchale.md) | Wealth Effects | Pembroke, Massachusetts | | Percentage of assets | | [Warner Wayne](https://find.wellspent.co/advisors/warner-wayne.md) | Wealth Effects | Boston, Massachusetts | | Percentage of assets | | [William Liberti](https://find.wellspent.co/advisors/william-liberti.md) | Wealth Effects | Boston, Massachusetts | | Percentage of assets | | [Cara Whipkey](https://find.wellspent.co/advisors/cara-whipkey.md) | Wingate Wealth Advisors | Lexington, Massachusetts | | Percentage of assets, Fixed fees | | [Carol Newman](https://find.wellspent.co/advisors/carol-newman.md) | Wingate Wealth Advisors | Lexington, Massachusetts | | Percentage of assets, Fixed fees | | [Joseph Evangelista](https://find.wellspent.co/advisors/joseph-evangelista.md) | Wingate Wealth Advisors | Lexington, Massachusetts | | Percentage of assets, Fixed fees | | [Lianna Deprey](https://find.wellspent.co/advisors/lianna-deprey.md) | Wingate Wealth Advisors | Lexington, Massachusetts | | Percentage of assets, Fixed fees | | [Matthew Lasker](https://find.wellspent.co/advisors/matthew-lasker.md) | Wingate Wealth Advisors | Lexington, Massachusetts | | Percentage of assets, Fixed fees | | [Peter Frailey](https://find.wellspent.co/advisors/peter-frailey.md) | Wingate Wealth Advisors | Lexington, Massachusetts | | Percentage of assets, Fixed fees | ## Related - [Retirement planning in Massachusetts](https://find.wellspent.co/specialties/retirement-planning/massachusetts.md) - [Estate planning in Massachusetts](https://find.wellspent.co/specialties/estate-planning/massachusetts.md) - [Family wealth transfer in Massachusetts](https://find.wellspent.co/specialties/family-wealth-transfer/massachusetts.md) - [Tax planning in Massachusetts](https://find.wellspent.co/specialties/tax-planning/massachusetts.md) - [Founders in Massachusetts](https://find.wellspent.co/specialties/founders-pre-exit/massachusetts.md) - [Small business owners in Massachusetts](https://find.wellspent.co/specialties/small-business-owners/massachusetts.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).