# Financial advisors for retirement planning in Boston, Massachusetts > For retirement planning in Boston, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Nicholas Stevens of Evergreen Wealth Management, Lauren Overzet of Civic Financial and Cameron Rahbar of Howland Capital. Page: https://find.wellspent.co/specialties/retirement-planning/massachusetts/boston/ 52 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 about retirement planning in Boston? For retirement planning in Boston, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Nicholas Stevens of Evergreen Wealth Management, Lauren Overzet of Civic Financial and Cameron Rahbar of Howland Capital. - [Nicholas Stevens](https://find.wellspent.co/advisors/nicholas-stevens/), Evergreen Wealth Management, Boston City. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Lauren Overzet](https://find.wellspent.co/advisors/lauren-overzet/), Civic Financial, Boston City. Holds the CFP. Fees on file: percentage of assets, one-time planning fee. - [Cameron Rahbar](https://find.wellspent.co/advisors/cameron-rahbar/), Howland Capital, Boston City. Holds the CFP. Fees on file: percentage of assets, hourly. - [Kyle Cote](https://find.wellspent.co/advisors/kyle-cote/), TFC Financial, Boston City. Holds the CFP. Fees on file: percentage of assets, hourly. - [Nancy Von Stackelberg](https://find.wellspent.co/advisors/nancy-von-stackelberg/), Radius Wealth Management, Boston City. Holds the CFP. Fees on file: percentage of assets, hourly. - [Michael Serchen](https://find.wellspent.co/advisors/michael-serchen/), Anchor Capital Advisors, Boston City. Holds the CFP. Fees on file: percentage of assets, hourly. ## How many fee-only financial advisors in Boston work on retirement planning? The Wellspent public graph lists 52 fee-only advisors for retirement planning in Boston, at 10 firms. We counted every advisor record that lists this work, as of October 2026. ## How do fee-only advisors for retirement planning in Boston charge? The most common fee among fee-only advisors for retirement planning in Boston is a percentage of assets, used by 98% of the 52 with fees on file. Many use more than one: 87% charge fixed fees and 81% 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 retirement planning have? For retirement planning, look for the CFP. In Boston, 27% of the 52 advisors listed hold the CFP. - CFP (27% of advisors listed): The CFP covers income, tax, insurance, and estate decisions together. ## How do Boston advisors for retirement planning compare with the rest of the US? 87% of fee-only advisors for retirement planning in Boston charge fixed fees, compared with 47% of the 7,304 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Massachusetts tax Social Security? No. Massachusetts doesn't tax Social Security. Its treatment of IRA withdrawals and pensions has its own rules, so ask to see them in your plan. ## What should I ask a financial advisor about retirement planning in Boston? - How do you decide which accounts I draw from first? - When would you have me claim Social Security, and why? - How do you handle a bad market in my first years of retirement? - Will you run Roth conversion scenarios for me each year? - How does Massachusetts tax each source of my retirement income? ## How current is this list of fee-only advisors for retirement planning 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 | |---|---|---|---|---| | [Nicholas Stevens](https://find.wellspent.co/advisors/nicholas-stevens.md) | Evergreen Wealth Management | Boston, Massachusetts | CFP | Flat fee or retainer, Ongoing planning fee | | [Lauren Overzet](https://find.wellspent.co/advisors/lauren-overzet.md) | Civic Financial | Boston, Massachusetts | CFA, CFP | Percentage of assets, One-time planning fee | | [Antonette Grimm](https://find.wellspent.co/advisors/antonette-grimm.md) | TFC Financial | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Jane Barney](https://find.wellspent.co/advisors/jane-barney.md) | TFC Financial | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Kyle Cote](https://find.wellspent.co/advisors/kyle-cote.md) | TFC Financial | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Leann Sullivan](https://find.wellspent.co/advisors/leann-sullivan.md) | TFC Financial | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Michael Meehan](https://find.wellspent.co/advisors/michael-meehan.md) | TFC Financial | Boston, Massachusetts | CFP, PFS | Percentage of assets, Hourly, Fixed fees | | [Renee Kwok](https://find.wellspent.co/advisors/renee-kwok.md) | TFC Financial | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Sarah Rioux](https://find.wellspent.co/advisors/sarah-rioux.md) | TFC Financial | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Brian Presti](https://find.wellspent.co/advisors/brian-presti.md) | TFC Financial | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Jenna Israni](https://find.wellspent.co/advisors/jenna-israni.md) | TFC Financial | Boston, Massachusetts | ChFC | Percentage of assets, Hourly, Fixed fees | | [Scott Burg](https://find.wellspent.co/advisors/scott-burg.md) | TFC Financial | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Cameron Rahbar](https://find.wellspent.co/advisors/cameron-rahbar.md) | Howland Capital | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Nancy Von Stackelberg](https://find.wellspent.co/advisors/nancy-von-stackelberg.md) | Radius Wealth Management | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Tracy Gibbs](https://find.wellspent.co/advisors/tracy-gibbs.md) | Howland Capital | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Alison Goodrich](https://find.wellspent.co/advisors/alison-goodrich.md) | Anchor Capital Advisors | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Frederick Pryor](https://find.wellspent.co/advisors/frederick-pryor.md) | TFC Financial | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Jessica Grande](https://find.wellspent.co/advisors/jessica-grande.md) | TFC Financial | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Michael Serchen](https://find.wellspent.co/advisors/michael-serchen.md) | Anchor Capital Advisors | Boston, Massachusetts | CFP | Percentage of assets, Hourly, Fixed fees | | [Charles Clapp](https://find.wellspent.co/advisors/charles-clapp.md) | Howland Capital | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Charles Von Stackelberg](https://find.wellspent.co/advisors/charles-von-stackelberg.md) | Radius Wealth Management | Boston, Massachusetts | ChFC | Percentage of assets, Hourly, Fixed fees | | [Erik Cooper](https://find.wellspent.co/advisors/erik-cooper.md) | Arcvest, LLC | Boston, Massachusetts | | Percentage of assets | | [Francis Jackson](https://find.wellspent.co/advisors/francis-jackson.md) | Howland Capital | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Lowell Thomas](https://find.wellspent.co/advisors/lowell-thomas.md) | South Shore Capital Advisors | Boston, Massachusetts | CFA | Percentage of assets, Fixed fees | | [Maureen Quigley](https://find.wellspent.co/advisors/maureen-quigley.md) | Howland Capital | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Nicholas Crocker](https://find.wellspent.co/advisors/nicholas-crocker.md) | Howland Capital | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Rylee Felice](https://find.wellspent.co/advisors/rylee-felice.md) | White Lighthouse Investment Management | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Samuel Ober](https://find.wellspent.co/advisors/samuel-ober.md) | Howland Capital | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Weston Howland](https://find.wellspent.co/advisors/weston-howland.md) | Howland Capital | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Alexander Waesche](https://find.wellspent.co/advisors/alexander-waesche.md) | Anchor Capital Advisors | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [Andrew St Martin](https://find.wellspent.co/advisors/andrew-st-martin.md) | Anchor Capital Advisors | Boston, Massachusetts | CFA | 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 | | [Tigran Navasardian](https://find.wellspent.co/advisors/tigran-navasardian.md) | Anchor Capital Advisors | Boston, Massachusetts | CFA | Percentage of assets, Hourly, Fixed fees | | [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 | | [Andrew Swanson](https://find.wellspent.co/advisors/andrew-swanson-3107028.md) | Howland Capital | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Caitlin Appleton](https://find.wellspent.co/advisors/caitlin-appleton.md) | South Shore Capital Advisors | Boston, Massachusetts | | Percentage of assets, Fixed fees | | [Lisa MacEwen](https://find.wellspent.co/advisors/lisa-macewen.md) | Howland Capital | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Peter Dixon](https://find.wellspent.co/advisors/peter-dixon.md) | Howland Capital | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Taylor Thomas](https://find.wellspent.co/advisors/taylor-thomas.md) | South Shore Capital Advisors | Boston, Massachusetts | | Percentage of assets, Fixed fees | | [Christopher O'Neill](https://find.wellspent.co/advisors/christopher-o-neill.md) | Anchor Capital Advisors | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Daniel Carr](https://find.wellspent.co/advisors/daniel-carr.md) | Anchor Capital Advisors | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Daniel Doucette](https://find.wellspent.co/advisors/daniel-doucette.md) | Anchor Capital Advisors | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [David Watson](https://find.wellspent.co/advisors/david-watson.md) | Anchor Capital Advisors | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [George Whitmore](https://find.wellspent.co/advisors/george-whitmore.md) | Anchor Capital Advisors | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Patrick Fischoeder](https://find.wellspent.co/advisors/patrick-fischoeder.md) | Anchor Capital Advisors | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Stephanie Moroney](https://find.wellspent.co/advisors/stephanie-moroney.md) | Anchor Capital Advisors | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Stephen Cavagnaro](https://find.wellspent.co/advisors/stephen-cavagnaro.md) | Anchor Capital Advisors | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [William Hickey](https://find.wellspent.co/advisors/william-hickey.md) | Anchor Capital Advisors | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | Showing the first 50 of 52. The full list, page by page: https://find.wellspent.co/specialties/retirement-planning/massachusetts/boston/?page=2 ## 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) - [Executives in Boston](https://find.wellspent.co/audiences/executives/massachusetts/boston.md) - [Ultra-high-net-worth families in Boston](https://find.wellspent.co/audiences/ultra-high-net-worth/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).