# Advisors for over $3 million in Massachusetts > In Massachusetts, look for a fee-only firm that already serves clients your size and has tax and estate depth on the team. Ask how the fee scales, because a small difference in percentage is large in dollars. Records to start with include Andreas Migliaccio of TwinFocus, Patrick McGinn of Retirement Resources Investment and Dinghao Jiang of Downtown Wealth Studios. Page: https://find.wellspent.co/by/financial-advisors-over-3-million/massachusetts/ 39 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## How do I find fee-only advisors for over $3 million in Massachusetts? In Massachusetts, look for a fee-only firm that already serves clients your size and has tax and estate depth on the team. Ask how the fee scales, because a small difference in percentage is large in dollars. Records to start with include Andreas Migliaccio of TwinFocus, Patrick McGinn of Retirement Resources Investment and Dinghao Jiang of Downtown Wealth Studios. ## How many fee-only advisors for over $3 million in Massachusetts are there? The Wellspent public graph lists 39 fee-only advisors for over $3 million in Massachusetts, at 11 firms. We counted every advisor record that fits, as of October 2026. These are advisors at firms whose average account is over $3 million. ## Where are fee-only advisors for over $3 million in Massachusetts located? Of the 39 fee-only advisors for over $3 million in Massachusetts, 27 are in Boston, followed by 3 in Braintree and 2 in Andover. ## How do fee-only advisors for over $3 million in Massachusetts charge? The most common fee among fee-only advisors for over $3 million in Massachusetts is a percentage of assets, used by 95% of the 39 with fees on file. Many use more than one: 87% charge by the hour and 79% charge fixed fees. ## How many fee-only advisors for over $3 million in Massachusetts hold the CFP? 13% of the 39 fee-only advisors for over $3 million in Massachusetts hold the CFP certification, based on the credentials listed on each record. ## 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. ## How does Wellspent decide who counts as fee-only advisors for over $3 million? We divide the assets each firm reports on its Form ADV by its number of accounts. It's an average per account, so a household with several accounts may hold more. ## What should I ask fee-only advisors for over $3 million in Massachusetts? What would I pay in dollars each year on my balance? Who on your team handles tax and estate work? How many clients my size do you serve? How do you handle private investments? ## How current is this list of fee-only advisors for over $3 million 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 | |---|---|---|---|---| | [Dinghao Jiang](https://find.wellspent.co/advisors/dinghao-jiang.md) | Downtown Wealth Studios | Wellesley, Massachusetts | CFA | Percentage of assets, 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 | | [Charles Corkery](https://find.wellspent.co/advisors/charles-corkery.md) | PUREfi Wealth | Boston, Massachusetts | CFP | 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 | | [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 | | [Robert Holzbach](https://find.wellspent.co/advisors/robert-holzbach.md) | Red Kennedy Financial | Littleton, Massachusetts | | Flat fee or retainer, Hourly, One-time planning fee | | [Wesley Karger](https://find.wellspent.co/advisors/wesley-karger.md) | TwinFocus | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Kate Chilson](https://find.wellspent.co/advisors/kate-chilson.md) | MG Financial | Braintree, Massachusetts | | Percentage of assets, Hourly | | [Mary Gilligan](https://find.wellspent.co/advisors/mary-gilligan.md) | MG Financial | Braintree, Massachusetts | | Percentage of assets, Hourly | | [Michael Thomas](https://find.wellspent.co/advisors/michael-thomas.md) | MG Financial | Braintree, Massachusetts | | Percentage of assets, Hourly | | [Stefan Karlsson](https://find.wellspent.co/advisors/stefan-karlsson.md) | Aureus Asset Management | Boston, Massachusetts | CFA | Percentage of assets, Fixed fees | | [Thaddeus Davis](https://find.wellspent.co/advisors/thaddeus-davis.md) | Aureus Asset Management | Boston, Massachusetts | CFA | Percentage of assets, Fixed fees | | [Vahan Janjigian](https://find.wellspent.co/advisors/vahan-janjigian.md) | Greenwich Wealth Management | Wayland, Massachusetts | CFA | 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 | | [George Ferrel](https://find.wellspent.co/advisors/george-ferrel.md) | PUREfi Wealth | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Nicole Bogert](https://find.wellspent.co/advisors/nicole-bogert.md) | PUREfi Wealth | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Paul Simons](https://find.wellspent.co/advisors/paul-simons.md) | PUREfi Wealth | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Sandy Galuppo](https://find.wellspent.co/advisors/sandy-galuppo.md) | PUREfi Wealth | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Timothy Jones](https://find.wellspent.co/advisors/timothy-jones-2366513.md) | PUREfi Wealth | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Patrick McGinn](https://find.wellspent.co/advisors/patrick-mcginn.md) | Retirement Resources Investment | Andover, Massachusetts | CFA | Percentage of assets, Hourly | | [Robert Pineau](https://find.wellspent.co/advisors/robert-pineau.md) | Tyler Street Capital | Plymouth, Massachusetts | CFA | Percentage of assets, Hourly | | [Charlotte Gorman](https://find.wellspent.co/advisors/charlotte-gorman.md) | MIO Partners | Duxbury, Massachusetts | | Percentage of assets, Fixed fees, Performance-based fees | | [Douglas McClennen](https://find.wellspent.co/advisors/douglas-mcclennen.md) | Douglas A. Mcclennen IA | East Harwich, Massachusetts | | Hourly | | [James Phillips](https://find.wellspent.co/advisors/james-phillips.md) | Retirement Resources Investment | Andover, Massachusetts | | Percentage of assets, Hourly | ## 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).