# Financial advisors for ultra-high-net-worth families in Massachusetts > For ultra-high-net-worth families in Massachusetts, talk to a fee-only firm with a team across investing, tax, and estate work, and ask who actually does each part. At this level, how fees scale on large balances matters as much as the percentage you're quoted. Records to start with include Lauren Overzet of Civic Financial, Kristin McKenna of Darrow Wealth Management and John Desimone of Peddock Capital Advisors. Page: https://find.wellspent.co/audiences/ultra-high-net-worth/massachusetts/ 78 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 as an ultra-high-net-worth family in Massachusetts? For ultra-high-net-worth families in Massachusetts, talk to a fee-only firm with a team across investing, tax, and estate work, and ask who actually does each part. At this level, how fees scale on large balances matters as much as the percentage you're quoted. Records to start with include Lauren Overzet of Civic Financial, Kristin McKenna of Darrow Wealth Management and John Desimone of Peddock Capital Advisors. - [Lauren Overzet](https://find.wellspent.co/advisors/lauren-overzet/), Civic Financial, Boston. Holds the CFA and CFP. Fees on file: percentage of assets, one-time planning fee. - [Kristin McKenna](https://find.wellspent.co/advisors/kristin-mckenna/), Darrow Wealth Management, Needham. Holds the CFP. Fees on file: percentage of assets. - [John Desimone](https://find.wellspent.co/advisors/john-desimone/), Peddock Capital Advisors, Braintree. Holds the CFP. Fees on file: percentage of assets, hourly. - [Dinghao Jiang](https://find.wellspent.co/advisors/dinghao-jiang/), Downtown Wealth Studios, Wellesley. Holds the CFA. Fees on file: percentage of assets, fixed fees. - [Emily Richard](https://find.wellspent.co/advisors/emily-richard/), Pallas Capital Advisors, Braintree. Holds the CFA. Fees on file: percentage of assets, hourly. - [Joshua Kazlauskas](https://find.wellspent.co/advisors/joshua-kazlauskas/), TwinFocus, Boston. Holds the CFA. Fees on file: percentage of assets, hourly. ## How many fee-only financial advisors in Massachusetts work with ultra-high-net-worth families? The Wellspent public graph lists 78 fee-only advisors for ultra-high-net-worth families in Massachusetts, at 16 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for ultra-high-net-worth families in Massachusetts located? Of the 78 fee-only advisors for ultra-high-net-worth families in Massachusetts, 35 are in Boston, followed by 19 in Braintree and 5 in Beverly. ## How do fee-only advisors for ultra-high-net-worth families in Massachusetts charge? The most common fee among fee-only advisors for ultra-high-net-worth families in Massachusetts is a percentage of assets, used by 100% of the 78 with fees on file. Many use more than one: 81% charge by the hour and 78% charge fixed fees. ## 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 ultra-high-net-worth families have? For ultra-high-net-worth families, look for the CFA and CFP. In Massachusetts, 27% of the 78 advisors listed hold the CFA. - CFA (27% of advisors listed): The CFA supports complex portfolios. - CFP (21% of advisors listed): The CFP keeps the whole picture together. ## How do Massachusetts advisors for ultra-high-net-worth families compare with the rest of the US? 81% of fee-only advisors for ultra-high-net-worth families in Massachusetts charge by the hour, compared with 44% of the 1,133 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Massachusetts have an estate tax? Yes. Massachusetts has its own estate tax, separate from the federal one, and its threshold can be lower. ## What should I ask a financial advisor as an ultra-high-net-worth family in Massachusetts? - What would I pay in dollars, on my balance, each year? - Who on your team handles tax and estate work? - How many clients my size do you serve? - How do you handle private investments? - How would you plan for Massachusetts's estate tax as well as the federal one? ## How current is this list of fee-only advisors for ultra-high-net-worth families 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 | |---|---|---|---|---| | [Kristin McKenna](https://find.wellspent.co/advisors/kristin-mckenna.md) | Darrow Wealth Management | Needham, Massachusetts | CFP | Percentage of assets | | [Matthew McCreary](https://find.wellspent.co/advisors/matthew-mccreary.md) | Darrow Wealth Management | Needham, Massachusetts | CFP | Percentage of assets | | [Lauren Overzet](https://find.wellspent.co/advisors/lauren-overzet.md) | Civic Financial | Boston, Massachusetts | CFA, CFP | Percentage of assets, One-time planning fee | | [Sheila Lawrence](https://find.wellspent.co/advisors/sheila-lawrence.md) | Ballentine Partners, LLC | Waltham, Massachusetts | CAP, CFP | Percentage of assets, Hourly, Fixed fees | | [Michelle Wells](https://find.wellspent.co/advisors/michelle-wells.md) | Darrow Wealth Management | Needham, Massachusetts | CFA | Percentage of assets | | [John Desimone](https://find.wellspent.co/advisors/john-desimone.md) | Peddock Capital Advisors | Braintree, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Katelyn Mahon](https://find.wellspent.co/advisors/katelyn-mahon.md) | Peddock Capital Advisors | Braintree, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Matthew Simmons](https://find.wellspent.co/advisors/matthew-simmons-6704411.md) | Peddock Capital Advisors | Braintree, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Amy Qiu](https://find.wellspent.co/advisors/amy-qiu.md) | Choate Wealth | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Dinghao Jiang](https://find.wellspent.co/advisors/dinghao-jiang.md) | Downtown Wealth Studios | Wellesley, Massachusetts | CFA | Percentage of assets, Fixed fees | | [Jessica Welch](https://find.wellspent.co/advisors/jessica-welch.md) | Choate Wealth | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [John Levangie](https://find.wellspent.co/advisors/john-levangie.md) | Darrow Wealth Management | Needham, Massachusetts | | Percentage of assets | | [Robert Florek](https://find.wellspent.co/advisors/robert-florek.md) | Florek Financial | Duxbury, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Alex Kozlowski](https://find.wellspent.co/advisors/alex-kozlowski.md) | Pallas Capital Advisors | Braintree, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Charlise Whiteside](https://find.wellspent.co/advisors/charlise-whiteside.md) | Stonehaven Private Wealth Management | Manchester By The Sea, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Corrigan Rayfield](https://find.wellspent.co/advisors/corrigan-rayfield.md) | TwinFocus | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Emily Richard](https://find.wellspent.co/advisors/emily-richard.md) | Pallas Capital Advisors | Braintree, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Ian Browning](https://find.wellspent.co/advisors/ian-browning.md) | Peddock Capital Advisors | Braintree, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [John Biebel](https://find.wellspent.co/advisors/john-biebel.md) | Ridley Cove Financial Advisors | Newton, Massachusetts | CFP | Percentage of assets, Fixed fees | | [Michael Gibbons](https://find.wellspent.co/advisors/michael-gibbons.md) | TwinFocus | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Michael Vazza](https://find.wellspent.co/advisors/michael-vazza.md) | Pallas Capital Advisors | Braintree, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Ona Vredenburg](https://find.wellspent.co/advisors/ona-vredenburg.md) | TwinFocus | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Wendy Karkoska](https://find.wellspent.co/advisors/wendy-karkoska.md) | TwinFocus | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Erin Kerr](https://find.wellspent.co/advisors/erin-kerr.md) | Choate Wealth | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Harrison Odaniell](https://find.wellspent.co/advisors/harrison-odaniell.md) | Choate Wealth | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Jacob Kidder](https://find.wellspent.co/advisors/jacob-kidder.md) | Choate Wealth | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Jonathan McGraw Bentley](https://find.wellspent.co/advisors/jonathan-mcgraw-bentley.md) | Choate Wealth | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Kathleen Cefalu](https://find.wellspent.co/advisors/kathleen-cefalu.md) | Downtown Wealth Studios | Ipswich, Massachusetts | | Percentage of assets, Fixed fees | | [Kelsey Sullivan](https://find.wellspent.co/advisors/kelsey-sullivan.md) | Choate Wealth | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Tamer Alamuddin](https://find.wellspent.co/advisors/tamer-alamuddin.md) | Choate Wealth | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Andreas Migliaccio](https://find.wellspent.co/advisors/andreas-migliaccio.md) | TwinFocus | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Andrew Krout](https://find.wellspent.co/advisors/andrew-krout.md) | Pallas Capital Advisors | Braintree, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Camden Newton](https://find.wellspent.co/advisors/camden-newton.md) | Pallas Capital Advisors | Braintree, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Charles Evangelakos](https://find.wellspent.co/advisors/charles-evangelakos.md) | Pallas Capital Advisors | Braintree, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Garrett Walsh](https://find.wellspent.co/advisors/garrett-walsh.md) | TwinFocus | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Gregory Boyle](https://find.wellspent.co/advisors/gregory-boyle.md) | Pallas Capital Advisors | Braintree, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Jackson Roberts](https://find.wellspent.co/advisors/jackson-roberts.md) | Pallas Capital Advisors | Braintree, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [James Ek](https://find.wellspent.co/advisors/james-ek.md) | PCM Encore | Woburn, Massachusetts | | Percentage of assets, Fixed fees | | [Jeffrey Heisler](https://find.wellspent.co/advisors/jeffrey-heisler.md) | TwinFocus | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Jessica Frigon](https://find.wellspent.co/advisors/jessica-frigon.md) | Pallas Capital Advisors | Braintree, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [John Pantekidis](https://find.wellspent.co/advisors/john-pantekidis.md) | TwinFocus | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Joshua Kazlauskas](https://find.wellspent.co/advisors/joshua-kazlauskas.md) | TwinFocus | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Laurence Grosbaum](https://find.wellspent.co/advisors/laurence-grosbaum.md) | TwinFocus | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Paul Karger](https://find.wellspent.co/advisors/paul-karger.md) | TwinFocus | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Peter Gillis](https://find.wellspent.co/advisors/peter-gillis.md) | Pallas Capital Advisors | Oak Bluffs, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Peter Simmons](https://find.wellspent.co/advisors/peter-simmons.md) | Peddock Capital Advisors | Braintree, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Praveena Naduthota](https://find.wellspent.co/advisors/praveena-naduthota.md) | Pallas Capital Advisors | Westford, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Richard Mullen](https://find.wellspent.co/advisors/richard-mullen.md) | Pallas Capital Advisors | Braintree, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Todd Vandam](https://find.wellspent.co/advisors/todd-vandam.md) | Pallas Capital Advisors | Braintree, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Wesley Karger](https://find.wellspent.co/advisors/wesley-karger.md) | TwinFocus | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees, Performance-based fees | Showing the first 50 of 78. The full list, page by page: https://find.wellspent.co/audiences/ultra-high-net-worth/massachusetts/?page=2 ## 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).