# Financial advisors for small business owners in Boston, Massachusetts > For small business owners in Boston, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include Lauren Overzet of Civic Financial, Ousmane Diagne of Timbuktu Capital Management and Patrick Cote of AssetGrade. Page: https://find.wellspent.co/specialties/small-business-owners/massachusetts/boston/ 25 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 a small business owner in Boston? For small business owners in Boston, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include Lauren Overzet of Civic Financial, Ousmane Diagne of Timbuktu Capital Management and Patrick Cote of AssetGrade. - [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. - [Ousmane Diagne](https://find.wellspent.co/advisors/ousmane-diagne/), Timbuktu Capital Management, Boston City. Holds the CFP. Fees on file: flat fee or retainer. - [Patrick Cote](https://find.wellspent.co/advisors/patrick-cote/), AssetGrade, Boston City. Holds the CFP. Fees on file: percentage of assets. - [Eric Roberge](https://find.wellspent.co/advisors/eric-roberge/), Beyond Your Hammock LLC, Boston City. Holds the CFP. Fees on file: subscription, flat fee or retainer. - [Michael Meehan](https://find.wellspent.co/advisors/michael-meehan/), TFC Financial, Boston City. Holds the CFP. Fees on file: percentage of assets, hourly. - [Nicole Heavern](https://find.wellspent.co/advisors/nicole-heavern/), Riverview Capital Advisers, Boston City. Holds the CFP. Fees on file: percentage of assets, hourly. ## How many fee-only financial advisors in Boston work with small business owners? The Wellspent public graph lists 25 fee-only advisors for small business owners in Boston, at 8 firms. We counted every advisor record that lists this work, as of October 2026. ## How do fee-only advisors for small business owners in Boston charge? The most common fee among fee-only advisors for small business owners in Boston is a percentage of assets, used by 92% of the 25 with fees on file. Many use more than one: 80% charge fixed fees and 68% 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 small business owners have? For small business owners, look for the CFP. In Boston, 48% of the 25 advisors listed hold the CFP. - CFP (48% of advisors listed): The CFP keeps the business in the wider plan. ## How do Boston advisors for small business owners compare with the rest of the US? 80% of fee-only advisors for small business owners in Boston charge fixed fees, compared with 52% of the 2,851 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Massachusetts tax income on top of federal tax? Yes. Massachusetts has a state income tax, so a financial plan for a Massachusetts resident should project it alongside federal tax. ## What should I ask a financial advisor as a small business owner in Boston? - Which retirement plan would you set up for my business, and why? - How would you set my salary against distributions? - How much of my net worth should stay in the business? - How do you plan for an eventual sale or succession? - How will you plan for Massachusetts tax alongside federal tax? ## How current is this list of fee-only advisors for small business owners 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 | |---|---|---|---|---| | [Eric Roberge](https://find.wellspent.co/advisors/eric-roberge.md) | Beyond Your Hammock LLC | Boston, Massachusetts | CFP | Subscription, Flat fee or retainer | | [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 | | [Patrick Cote](https://find.wellspent.co/advisors/patrick-cote.md) | AssetGrade | Boston, Massachusetts | CFP, CFA | Percentage of assets | | [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 | | [Nicole Heavern](https://find.wellspent.co/advisors/nicole-heavern.md) | Riverview Capital Advisers | 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 | | [Ousmane Diagne](https://find.wellspent.co/advisors/ousmane-diagne.md) | Timbuktu Capital Management | Boston, Massachusetts | CFP, CFA | Flat fee or retainer | | [Erik Cooper](https://find.wellspent.co/advisors/erik-cooper.md) | Arcvest, LLC | Boston, Massachusetts | | Percentage of assets | | [Lowell Thomas](https://find.wellspent.co/advisors/lowell-thomas.md) | South Shore Capital Advisors | Boston, Massachusetts | CFA | Percentage of assets, Fixed fees | | [Alan Arcadipane](https://find.wellspent.co/advisors/alan-arcadipane.md) | Riverview Capital Advisers | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Benjamin Seaman](https://find.wellspent.co/advisors/benjamin-seaman.md) | Riverview Capital Advisers | 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 | | [Kevin Bonacci](https://find.wellspent.co/advisors/kevin-bonacci.md) | Riverview Capital Advisers | Boston, Massachusetts | | Percentage of assets, Hourly, Fixed fees | | [Paula Pienkowska](https://find.wellspent.co/advisors/paula-pienkowska.md) | Riverview Capital Advisers | 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 | ## 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) - [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) ## 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).