# Fee-only financial advisors in Massachusetts

> AdvisorCensus lists 449 investment advisory firms with a principal office in Massachusetts that meet AdvisorCensus's fee-only test: paid only by client fees on Form ADV Item 5.E, with no employee registered with a broker-dealer or licensed as an insurance agent, no brokerage, insurance, or real estate sales business or related company, and no referral fees from others, drawn from Form ADV filings as of October 2026. Firms are listed alphabetically; sort by years registered or assets band using the controls below, and read the methodology block for how this page is derived.

Source: Form ADV filings as of October 2026. Rebuilt monthly. HTML page: https://advisorcensus.com/advisors/ma/fee-only/page/7

## At a glance

- Investment advisory firms: 449
- Registration: SEC-registered investment adviser: 166, State-registered investment adviser: 283
- How firms are compensated (Form ADV Item 5.E; shares of the firms that file it): Fee-only (AdvisorCensus test) 449 (100%); Percentage of assets 398 (89%); Hourly charges 211 (47%); Subscription fees (newsletter or periodical) 6 (1%); Fixed fees 247 (55%)
- Regulatory assets under management (Item 5.F): Under $25 million 149 (33%); $25 million to $100 million 97 (22%); $100 million to $500 million 90 (20%); $500 million to $1 billion 24 (5%); $1 billion to $5 billion 32 (7%); Over $5 billion 12 (3%); Not reported 45 (10%)
- Years registered: Under 5 years 132 (29%); 5 to 9 years 86 (19%); 10 to 19 years 115 (26%); 20 years or more 116 (26%)

## Firms (page 7 of 9, 301 to 350 of 449, sorted by name)

| Firm | CRD | City | Registration | Assets band | Years registered | Compensation |
| --- | --- | --- | --- | --- | --- | --- |
| [O.F.O. Partners, LLC](https://advisorcensus.com/firm/o-f-o-partners-llc-hingham-ma-297424) ([md](https://advisorcensus.com/firm/o-f-o-partners-llc-hingham-ma-297424.md)) | 297424 | Hingham, MA | SEC-registered investment adviser | $100 million to $500 million | 0 | % of assets, Fixed fee |
| [Old School Capital LLC](https://advisorcensus.com/firm/old-school-capital-llc-andover-ma-118226) ([md](https://advisorcensus.com/firm/old-school-capital-llc-andover-ma-118226.md)) | 118226 | Andover, MA | State-registered investment adviser | Not reported | 24 | % of assets, Hourly, Fixed fee |
| [Oliver Investments](https://advisorcensus.com/firm/oliver-investments-medfield-ma-173769) ([md](https://advisorcensus.com/firm/oliver-investments-medfield-ma-173769.md)) | 173769 | Medfield, MA | State-registered investment adviser | Not reported | 9 | % of assets |
| [Oltarion Capital LLC](https://advisorcensus.com/firm/oltarion-capital-llc-341445) ([md](https://advisorcensus.com/firm/oltarion-capital-llc-341445.md)) | 341445 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 0 | % of assets |
| [One Financial Design, LLC](https://advisorcensus.com/firm/one-financial-design-llc-324966) ([md](https://advisorcensus.com/firm/one-financial-design-llc-324966.md)) | 324966 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 3 | % of assets, Hourly, Fixed fee |
| [Osher Capital Advisors, LLC](https://advisorcensus.com/firm/osher-capital-advisors-llc-great-barrington-ma-147412) ([md](https://advisorcensus.com/firm/osher-capital-advisors-llc-great-barrington-ma-147412.md)) | 147412 | Great Barrington, MA | State-registered investment adviser | Under $25 million | 18 | % of assets, Hourly, Subscription, Fixed fee |
| [OT Management, LLC](https://advisorcensus.com/firm/ot-management-llc-boston-ma-284192) ([md](https://advisorcensus.com/firm/ot-management-llc-boston-ma-284192.md)) | 284192 | Boston, MA | SEC-registered investment adviser | $100 million to $500 million | 4 | % of assets |
| [Oxford Martin, LLC](https://advisorcensus.com/firm/oxford-martin-llc-wakefield-ma-316388) ([md](https://advisorcensus.com/firm/oxford-martin-llc-wakefield-ma-316388.md)) | 316388 | Wakefield, MA | State-registered investment adviser | $25 million to $100 million | 4 | % of assets, Hourly, Fixed fee |
| [Paceline Wealth Management, LLC](https://advisorcensus.com/firm/paceline-wealth-management-llc-291403) ([md](https://advisorcensus.com/firm/paceline-wealth-management-llc-291403.md)) | 291403 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 8 | % of assets, Hourly, Fixed fee |
| [Pamet Advisors LLC](https://advisorcensus.com/firm/pamet-advisors-llc-truro-ma-282730) ([md](https://advisorcensus.com/firm/pamet-advisors-llc-truro-ma-282730.md)) | 282730 | Truro, MA | State-registered investment adviser | $25 million to $100 million | 10 | % of assets, Hourly, Fixed fee |
| [Paragon Financial Advisors](https://advisorcensus.com/firm/paragon-financial-advisors-newton-ma-133856) ([md](https://advisorcensus.com/firm/paragon-financial-advisors-newton-ma-133856.md)) | 133856 | Newton, MA | State-registered investment adviser | $100 million to $500 million | 21 | Hourly, Fixed fee |
| [Parkstone Investments, LLC](https://advisorcensus.com/firm/parkstone-investments-llc-newton-ma-171386) ([md](https://advisorcensus.com/firm/parkstone-investments-llc-newton-ma-171386.md)) | 171386 | Newton, MA | State-registered investment adviser | Under $25 million | 12 | % of assets |
| [Pathways Financial Consulting LLC](https://advisorcensus.com/firm/pathways-financial-consulting-llc-329375) ([md](https://advisorcensus.com/firm/pathways-financial-consulting-llc-329375.md)) | 329375 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 2 | % of assets, Fixed fee |
| [Patriot Mullare Associates, Inc](https://advisorcensus.com/firm/patriot-mullare-associates-inc-hingham-ma-122986) ([md](https://advisorcensus.com/firm/patriot-mullare-associates-inc-hingham-ma-122986.md)) | 122986 | Hingham, MA | State-registered investment adviser | $25 million to $100 million | 32 | % of assets |
| [Peabody River Asset Management, LLC](https://advisorcensus.com/firm/peabody-river-asset-management-llc-cambridge-ma-143644) ([md](https://advisorcensus.com/firm/peabody-river-asset-management-llc-cambridge-ma-143644.md)) | 143644 | Cambridge, MA | State-registered investment adviser | Under $25 million | 19 | % of assets, Hourly, Fixed fee |
| [Peddock Capital Advisors, LLC](https://advisorcensus.com/firm/peddock-capital-advisors-llc-braintree-ma-148216) ([md](https://advisorcensus.com/firm/peddock-capital-advisors-llc-braintree-ma-148216.md)) | 148216 | Braintree, MA | SEC-registered investment adviser | $500 million to $1 billion | 17 | % of assets, Hourly, Fixed fee |
| [Pennyfarthing Investment Management, L.L.C.](https://advisorcensus.com/firm/pennyfarthing-investment-management-l-l-c-amherst-ma-123006) ([md](https://advisorcensus.com/firm/pennyfarthing-investment-management-l-l-c-amherst-ma-123006.md)) | 123006 | Amherst, MA | State-registered investment adviser | $25 million to $100 million | 22 | % of assets, Hourly |
| [Penobscot Investment Management Company, Inc.](https://advisorcensus.com/firm/penobscot-investment-management-company-inc-boston-ma-105060) ([md](https://advisorcensus.com/firm/penobscot-investment-management-company-inc-boston-ma-105060.md)) | 105060 | Boston, MA | SEC-registered investment adviser | $1 billion to $5 billion | 38 | % of assets |
| [Perennial Advisors Group, LLC](https://advisorcensus.com/firm/perennial-advisors-group-llc-westford-ma-128600) ([md](https://advisorcensus.com/firm/perennial-advisors-group-llc-westford-ma-128600.md)) | 128600 | Westford, MA | SEC-registered investment adviser | $100 million to $500 million | 22 | % of assets, Fixed fee |
| [Philip J. Sagan Financial Consulting, Inc.](https://advisorcensus.com/firm/philip-j-sagan-financial-consulting-inc-newton-ma-130358) ([md](https://advisorcensus.com/firm/philip-j-sagan-financial-consulting-inc-newton-ma-130358.md)) | 130358 | Newton, MA | State-registered investment adviser | Under $25 million | 29 | Hourly, Fixed fee |
| [Philosophe Financial](https://advisorcensus.com/firm/philosophe-financial-wayland-ma-340361) ([md](https://advisorcensus.com/firm/philosophe-financial-wayland-ma-340361.md)) | 340361 | Wayland, MA | State-registered investment adviser | Not reported | 0 | Hourly, Fixed fee |
| [Pier 42 Advisors](https://advisorcensus.com/firm/pier-42-advisors-south-dennis-ma-325987) ([md](https://advisorcensus.com/firm/pier-42-advisors-south-dennis-ma-325987.md)) | 325987 | South Dennis, MA | State-registered investment adviser | $25 million to $100 million | 3 | % of assets, Hourly, Fixed fee |
| [Pierre & Company LLC](https://advisorcensus.com/firm/pierre-and-company-llc-299839) ([md](https://advisorcensus.com/firm/pierre-and-company-llc-299839.md)) | 299839 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 7 | % of assets, Fixed fee |
| [Pinney & Scofield, Inc.](https://advisorcensus.com/firm/pinney-and-scofield-inc-cambridge-ma-105365) ([md](https://advisorcensus.com/firm/pinney-and-scofield-inc-cambridge-ma-105365.md)) | 105365 | Cambridge, MA | SEC-registered investment adviser | $500 million to $1 billion | 41 | % of assets, Hourly |
| [Plain Talk Financial Planning, LLC](https://advisorcensus.com/firm/plain-talk-financial-planning-llc-332841) ([md](https://advisorcensus.com/firm/plain-talk-financial-planning-llc-332841.md)) | 332841 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 1 | % of assets, Hourly, Fixed fee |
| [Plan for IT Financial, LLC](https://advisorcensus.com/firm/plan-for-it-financial-llc-salem-ma-326809) ([md](https://advisorcensus.com/firm/plan-for-it-financial-llc-salem-ma-326809.md)) | 326809 | Salem, MA | State-registered investment adviser | Not reported | 3 | Hourly, Fixed fee |
| [Plandynamic, LLC](https://advisorcensus.com/firm/plandynamic-llc-framingham-ma-291154) ([md](https://advisorcensus.com/firm/plandynamic-llc-framingham-ma-291154.md)) | 291154 | Framingham, MA | State-registered investment adviser | $25 million to $100 million | 8 | % of assets, Hourly, Fixed fee |
| [PNL Investments](https://advisorcensus.com/firm/pnl-investments-339543) ([md](https://advisorcensus.com/firm/pnl-investments-339543.md)) | 339543 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 1 | % of assets, Fixed fee |
| [Polaris Financial, LLC](https://advisorcensus.com/firm/polaris-financial-llc-boston-ma-281952) ([md](https://advisorcensus.com/firm/polaris-financial-llc-boston-ma-281952.md)) | 281952 | Boston, MA | SEC-registered investment adviser | $25 million to $100 million | 10 | % of assets |
| [Portfoliosboston](https://advisorcensus.com/firm/portfoliosboston-east-dennis-ma-133132) ([md](https://advisorcensus.com/firm/portfoliosboston-east-dennis-ma-133132.md)) | 133132 | East Dennis, MA | State-registered investment adviser | Under $25 million | 32 | % of assets, Hourly |
| [Power Plans](https://advisorcensus.com/firm/power-plans-129431) ([md](https://advisorcensus.com/firm/power-plans-129431.md)) | 129431 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 31 | % of assets, Fixed fee |
| [Priore Investments](https://advisorcensus.com/firm/priore-investments-174319) ([md](https://advisorcensus.com/firm/priore-investments-174319.md)) | 174319 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 11 | % of assets |
| [Proactive Financial Solutions 360, LLC](https://advisorcensus.com/firm/proactive-financial-solutions-360-llc-north-attleboro-ma-304440) ([md](https://advisorcensus.com/firm/proactive-financial-solutions-360-llc-north-attleboro-ma-304440.md)) | 304440 | North Attleboro, MA | State-registered investment adviser | Under $25 million | 7 | % of assets |
| [Proctor Financial](https://advisorcensus.com/firm/proctor-financial-sherborn-ma-122021) ([md](https://advisorcensus.com/firm/proctor-financial-sherborn-ma-122021.md)) | 122021 | Sherborn, MA | SEC-registered investment adviser | $100 million to $500 million | 23 | % of assets, Fixed fee |
| [Promethos Capital, LLC](https://advisorcensus.com/firm/promethos-capital-llc-boston-ma-300915) ([md](https://advisorcensus.com/firm/promethos-capital-llc-boston-ma-300915.md)) | 300915 | Boston, MA | SEC-registered investment adviser | $1 billion to $5 billion | 7 | % of assets, Fixed fee |
| [Prudent Growth Investments LLC](https://advisorcensus.com/firm/prudent-growth-investments-llc-natick-ma-337283) ([md](https://advisorcensus.com/firm/prudent-growth-investments-llc-natick-ma-337283.md)) | 337283 | Natick, MA | State-registered investment adviser | Under $25 million | 1 | % of assets |
| [Qtron Investments LLC](https://advisorcensus.com/firm/qtron-investments-llc-boston-ma-285608) ([md](https://advisorcensus.com/firm/qtron-investments-llc-boston-ma-285608.md)) | 285608 | Boston, MA | SEC-registered investment adviser | $1 billion to $5 billion | 9 | % of assets |
| [R.A.I. Financial Services, Inc.](https://advisorcensus.com/firm/r-a-i-financial-services-inc-lynnfield-ma-128596) ([md](https://advisorcensus.com/firm/r-a-i-financial-services-inc-lynnfield-ma-128596.md)) | 128596 | Lynnfield, MA | State-registered investment adviser | Under $25 million | 25 | % of assets, Hourly, Fixed fee |
| [R3I LLC](https://advisorcensus.com/firm/r3i-llc-cambridge-ma-340483) ([md](https://advisorcensus.com/firm/r3i-llc-cambridge-ma-340483.md)) | 340483 | Cambridge, MA | State-registered investment adviser | Not reported | 0 | Hourly, Fixed fee |
| [Radius Capital Advisors](https://advisorcensus.com/firm/radius-capital-advisors-341631) ([md](https://advisorcensus.com/firm/radius-capital-advisors-341631.md)) | 341631 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 0 | % of assets, Fixed fee |
| [Real World Financial Planning, LLC](https://advisorcensus.com/firm/real-world-financial-planning-llc-299632) ([md](https://advisorcensus.com/firm/real-world-financial-planning-llc-299632.md)) | 299632 | Not reported, Not reported | State-registered investment adviser | Not reported | 7 | Hourly, Fixed fee |
| [Reciprocal Wealth, LLC](https://advisorcensus.com/firm/reciprocal-wealth-llc-medfield-ma-342207) ([md](https://advisorcensus.com/firm/reciprocal-wealth-llc-medfield-ma-342207.md)) | 342207 | Medfield, MA | State-registered investment adviser | Under $25 million | 0 | % of assets |
| [Renaissance Wealth Advisors, LLC](https://advisorcensus.com/firm/renaissance-wealth-advisors-llc-newton-ma-300007) ([md](https://advisorcensus.com/firm/renaissance-wealth-advisors-llc-newton-ma-300007.md)) | 300007 | Newton, MA | SEC-registered investment adviser | $100 million to $500 million | 0 | % of assets, Fixed fee |
| [Retirement Resources Investment Corporation](https://advisorcensus.com/firm/retirement-resources-investment-corporation-andover-ma-47723) ([md](https://advisorcensus.com/firm/retirement-resources-investment-corporation-andover-ma-47723.md)) | 47723 | Andover, MA | SEC-registered investment adviser | $1 billion to $5 billion | 21 | % of assets, Hourly |
| [Revolution Capital, Inc](https://advisorcensus.com/firm/revolution-capital-inc-boston-ma-132041) ([md](https://advisorcensus.com/firm/revolution-capital-inc-boston-ma-132041.md)) | 132041 | Boston, MA | State-registered investment adviser | $25 million to $100 million | 26 | % of assets, Hourly, Fixed fee |
| [Reynders, McVeigh Capital Management, LLC](https://advisorcensus.com/firm/reynders-mcveigh-capital-management-llc-boston-ma-137342) ([md](https://advisorcensus.com/firm/reynders-mcveigh-capital-management-llc-boston-ma-137342.md)) | 137342 | Boston, MA | SEC-registered investment adviser | $1 billion to $5 billion | 20 | % of assets, Fixed fee |
| [RF&L Wealth Management, LLC](https://advisorcensus.com/firm/rf-and-l-wealth-management-llc-acton-ma-140210) ([md](https://advisorcensus.com/firm/rf-and-l-wealth-management-llc-acton-ma-140210.md)) | 140210 | Acton, MA | SEC-registered investment adviser | $100 million to $500 million | 20 | % of assets, Hourly, Fixed fee |
| [Rhumbline Advisers](https://advisorcensus.com/firm/rhumbline-advisers-boston-ma-107151) ([md](https://advisorcensus.com/firm/rhumbline-advisers-boston-ma-107151.md)) | 107151 | Boston, MA | SEC-registered investment adviser | Over $5 billion | 34 | % of assets |
| [Ridley Cove Financial Advisors LLC](https://advisorcensus.com/firm/ridley-cove-financial-advisors-llc-newton-ma-236787) ([md](https://advisorcensus.com/firm/ridley-cove-financial-advisors-llc-newton-ma-236787.md)) | 236787 | Newton, MA | State-registered investment adviser | $25 million to $100 million | 11 | % of assets, Fixed fee |
| [Rising Tides Financial, LLC](https://advisorcensus.com/firm/rising-tides-financial-llc-283308) ([md](https://advisorcensus.com/firm/rising-tides-financial-llc-283308.md)) | 283308 | Not reported, Not reported | State-registered investment adviser | $25 million to $100 million | 10 | Fixed fee |

- Previous page: https://advisorcensus.com/advisors/ma/fee-only/page/6.md
- Next page: https://advisorcensus.com/advisors/ma/fee-only/page/8.md

## Questions people ask

**How many financial advisory firms are there in Massachusetts?**
AdvisorCensus lists 1,422 investment advisory firms with a principal office in Massachusetts, from Form ADV filings as of October 2026: 638 SEC-registered, 508 state-registered, and 276 exempt reporting advisers. Firms may request removal, so the count can differ slightly from the number of firms that file Form ADV.

**How many fee-only financial advisors are in Massachusetts?**
449 of the 1,422 firms meet AdvisorCensus's fee-only test: paid only by a percentage of assets, hourly charges, fixed fees, or subscription fees on Form ADV Item 5.E (no commissions, performance-based fees, or other compensation), with no sales-related compensation ties in the same filing: no employee registered with a broker-dealer or licensed as an insurance agent (Item 5.B), no brokerage, insurance, real estate, or other product sales business (Item 6.A), no related broker-dealer, insurance company, real estate broker, or futures commission merchant (Item 7.A), and no referral fees from others or other sales interest (Item 8). Form ADV has no fee-only box, so this is derived from the filing; it is not a fee-only certification, and a firm's own page lists its compensation arrangements as filed.

**How many financial advisors in Massachusetts offer financial planning?**
584 of the 1,146 firms in Massachusetts that answer Form ADV Item 5.G, which asks what advisory services a firm provides, report financial planning services, as of October 2026. Exempt reporting advisers do not answer Item 5.G. Each firm page lists every advisory service the firm reports.

**Are the financial advisors in Massachusetts fiduciaries?**
Every firm on this page is an investment adviser that files Form ADV, and an investment adviser owes its clients a fiduciary duty under federal law, made up of a duty of care and a duty of loyalty: it must act in the client's best interest and not put its own interests ahead of the client's, and must eliminate its conflicts of interest or disclose them fully and fairly. Form ADV has no fiduciary box because the duty comes with being an investment adviser. The duty covers the firm's advice; a firm or its people may also sell securities through a broker-dealer or insurance as licensed agents, roles held to other standards. The 449 firms that meet AdvisorCensus's fee-only test report none of those sales ties.

**How do I check whether a financial advisor has disciplinary disclosures?**
Each firm page shows how many Form ADV Item 11 disciplinary questions the firm answered yes and links to the firm's record on the SEC's Investment Adviser Public Disclosure site (adviserinfo.sec.gov), where the detail of each disclosure is public. Individual advisers' records are on the same site and on FINRA BrokerCheck.

**Does AdvisorCensus rate, verify, or recommend these firms?**
No. The directory shows what each firm filed, in alphabetical order unless you choose another sort, and no firm's position depends on payment. Firms that claim their page can add a description and links, marked as provided by the firm; the filed facts are never changed by that content.

**What does regulatory assets under management mean?**
Regulatory assets under management (RAUM) is the figure a firm reports on Form ADV Item 5.F: the securities portfolios it provides continuous and regular supervisory or management services for, at market value, including assets managed without discretion. It measures scale, not performance or quality.

## Related pages

- [Financial advisors in Massachusetts](https://advisorcensus.com/advisors/ma) (https://advisorcensus.com/advisors/ma.md)
- [Flat-fee financial advisors in Massachusetts](https://advisorcensus.com/advisors/ma/flat-fee) (https://advisorcensus.com/advisors/ma/flat-fee.md)
- [Hourly financial advisors in Massachusetts](https://advisorcensus.com/advisors/ma/hourly) (https://advisorcensus.com/advisors/ma/hourly.md)
- [Fee-only financial advisors in Boston, MA](https://advisorcensus.com/advisors/ma/boston/fee-only) (https://advisorcensus.com/advisors/ma/boston/fee-only.md)
- [Fee-only financial advisors in Barnstable Town, MA](https://advisorcensus.com/advisors/ma/barnstable-town/fee-only) (https://advisorcensus.com/advisors/ma/barnstable-town/fee-only.md)
- [Fee-only financial advisors in Worcester, MA](https://advisorcensus.com/advisors/ma/worcester/fee-only) (https://advisorcensus.com/advisors/ma/worcester/fee-only.md)
- [Fee-only financial advisors in Pittsfield, MA](https://advisorcensus.com/advisors/ma/pittsfield/fee-only) (https://advisorcensus.com/advisors/ma/pittsfield/fee-only.md)
- [Fee-only financial advisors in Springfield, MA](https://advisorcensus.com/advisors/ma/springfield/fee-only) (https://advisorcensus.com/advisors/ma/springfield/fee-only.md)
- [Fee-only financial advisors in Amherst Town, MA](https://advisorcensus.com/advisors/ma/amherst-town/fee-only) (https://advisorcensus.com/advisors/ma/amherst-town/fee-only.md)

Cite as: AdvisorCensus. Fee-only financial advisors in Massachusetts: 449 firms from Form ADV filings as of October 2026.