# Financial advisors for ultra-high-net-worth families in Boston, Massachusetts > For ultra-high-net-worth families in Boston, 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, Joshua Kazlauskas of TwinFocus and Jessica Welch of Choate Wealth. Page: https://find.wellspent.co/audiences/ultra-high-net-worth/massachusetts/boston/ 35 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 Boston? For ultra-high-net-worth families in Boston, 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, Joshua Kazlauskas of TwinFocus and Jessica Welch of Choate Wealth. - [Lauren Overzet](https://find.wellspent.co/advisors/lauren-overzet/), Civic Financial, Boston City. Holds the CFA and CFP. Fees on file: percentage of assets, one-time planning fee. - [Joshua Kazlauskas](https://find.wellspent.co/advisors/joshua-kazlauskas/), TwinFocus, Boston City. Holds the CFA. Fees on file: percentage of assets, hourly. - [Jessica Welch](https://find.wellspent.co/advisors/jessica-welch/), Choate Wealth, Boston City. Holds the CFP. Fees on file: percentage of assets, hourly. ## How many fee-only financial advisors in Boston work with ultra-high-net-worth families? The Wellspent public graph lists 35 fee-only advisors for ultra-high-net-worth families in Boston, at 3 firms. We counted every advisor record that lists this work, as of October 2026. ## How do fee-only advisors for ultra-high-net-worth families in Boston charge? The most common fee among fee-only advisors for ultra-high-net-worth families in Boston is a percentage of assets, used by 100% of the 35 with fees on file. Many use more than one: 97% charge by the hour and 97% 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 Boston, 43% of the 35 advisors listed hold the CFA. - CFA (43% of advisors listed): The CFA supports complex portfolios. - CFP (20% of advisors listed): The CFP keeps the whole picture together. ## How do Boston advisors for ultra-high-net-worth families compare with the rest of the US? 97% of fee-only advisors for ultra-high-net-worth families in Boston 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 Boston? - 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 Boston? 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 | |---|---|---|---|---| | [Lauren Overzet](https://find.wellspent.co/advisors/lauren-overzet.md) | Civic Financial | Boston, Massachusetts | CFA, CFP | Percentage of assets, One-time planning fee | | [Amy Qiu](https://find.wellspent.co/advisors/amy-qiu.md) | Choate Wealth | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Jessica Welch](https://find.wellspent.co/advisors/jessica-welch.md) | Choate Wealth | Boston, 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 | | [Michael Gibbons](https://find.wellspent.co/advisors/michael-gibbons.md) | TwinFocus | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees, Performance-based 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 | | [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 | | [Garrett Walsh](https://find.wellspent.co/advisors/garrett-walsh.md) | TwinFocus | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Jeffrey Heisler](https://find.wellspent.co/advisors/jeffrey-heisler.md) | TwinFocus | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees, Performance-based 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 | | [Wesley Karger](https://find.wellspent.co/advisors/wesley-karger.md) | TwinFocus | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Alison Svizzero](https://find.wellspent.co/advisors/alison-svizzero.md) | Choate Wealth | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Diana Malcom](https://find.wellspent.co/advisors/diana-malcom.md) | Choate Wealth | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Graham Johnstone](https://find.wellspent.co/advisors/graham-johnstone.md) | Choate Wealth | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Hideyoshi Watanabe](https://find.wellspent.co/advisors/hideyoshi-watanabe.md) | Choate Wealth | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Louis Marchant](https://find.wellspent.co/advisors/louis-marchant.md) | Choate Wealth | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Mark Perry](https://find.wellspent.co/advisors/mark-perry.md) | Choate Wealth | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Patrick Collins](https://find.wellspent.co/advisors/patrick-collins.md) | Choate Wealth | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Brett Feldman](https://find.wellspent.co/advisors/brett-feldman.md) | TwinFocus | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Carlton Bradshaw](https://find.wellspent.co/advisors/carlton-bradshaw.md) | TwinFocus | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Catherine Fraga](https://find.wellspent.co/advisors/catherine-fraga.md) | TwinFocus | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Jonathan Pate](https://find.wellspent.co/advisors/jonathan-pate.md) | TwinFocus | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Matthew Marsallo](https://find.wellspent.co/advisors/matthew-marsallo.md) | TwinFocus | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Paul Thompson](https://find.wellspent.co/advisors/paul-thompson-3190759.md) | TwinFocus | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [William Waldrip](https://find.wellspent.co/advisors/william-waldrip.md) | TwinFocus | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees, Performance-based fees | ## Related - [Family wealth transfer in Boston](https://find.wellspent.co/specialties/family-wealth-transfer/massachusetts/boston.md) - [Founders in Boston](https://find.wellspent.co/specialties/founders-pre-exit/massachusetts/boston.md) - [Retirement planning in Boston](https://find.wellspent.co/specialties/retirement-planning/massachusetts/boston.md) - [Executives in Boston](https://find.wellspent.co/audiences/executives/massachusetts/boston.md) - [Tax planning in Boston](https://find.wellspent.co/specialties/tax-planning/massachusetts/boston.md) - [Estate planning in Boston](https://find.wellspent.co/specialties/estate-planning/massachusetts/boston.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).