# Flat-fee financial advisors in Massachusetts

> AdvisorCensus lists 507 investment advisory firms with a principal office in Massachusetts that report fixed fees among their Form ADV Item 5.E compensation arrangements, 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/flat-fee/page/8

## At a glance

- Investment advisory firms: 507
- Registration: SEC-registered investment adviser: 262, State-registered investment adviser: 245
- How firms are compensated (Form ADV Item 5.E; shares of the firms that file it): Fee-only (AdvisorCensus test) 247 (49%); Percentage of assets 434 (86%); Hourly charges 307 (61%); Subscription fees (newsletter or periodical) 7 (1%); Fixed fees 507 (100%); Commissions 25 (5%); Performance-based fees 45 (9%); Other 59 (12%)
- Regulatory assets under management (Item 5.F): Under $25 million 109 (21%); $25 million to $100 million 89 (18%); $100 million to $500 million 115 (23%); $500 million to $1 billion 40 (8%); $1 billion to $5 billion 49 (10%); Over $5 billion 48 (9%); Not reported 57 (11%)
- Years registered: Under 5 years 158 (31%); 5 to 9 years 105 (21%); 10 to 19 years 111 (22%); 20 years or more 133 (26%)

## Firms (page 8 of 11, 351 to 400 of 507, sorted by name)

| Firm | CRD | City | Registration | Assets band | Years registered | Compensation |
| --- | --- | --- | --- | --- | --- | --- |
| [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 |
| [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 |
| [Pinnacle Pension Consultants LLC](https://advisorcensus.com/firm/pinnacle-pension-consultants-llc-needham-ma-133442) ([md](https://advisorcensus.com/firm/pinnacle-pension-consultants-llc-needham-ma-133442.md)) | 133442 | Needham, MA | SEC-registered investment adviser | $1 billion to $5 billion | 19 | % of assets, Hourly, Fixed fee, Other |
| [Pioneer Financial, Inc.](https://advisorcensus.com/firm/pioneer-financial-inc-south-hadley-ma-137940) ([md](https://advisorcensus.com/firm/pioneer-financial-inc-south-hadley-ma-137940.md)) | 137940 | South Hadley, MA | State-registered investment adviser | Under $25 million | 20 | % of assets, Hourly, Fixed fee |
| [Pizarro Advisors](https://advisorcensus.com/firm/pizarro-advisors-taunton-ma-333388) ([md](https://advisorcensus.com/firm/pizarro-advisors-taunton-ma-333388.md)) | 333388 | Taunton, MA | State-registered investment adviser | Under $25 million | 0 | % of assets, Hourly, Fixed fee |
| [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 |
| [Polen Capital Credit, LLC](https://advisorcensus.com/firm/polen-capital-credit-llc-waltham-ma-108468) ([md](https://advisorcensus.com/firm/polen-capital-credit-llc-waltham-ma-108468.md)) | 108468 | Waltham, MA | SEC-registered investment adviser | Over $5 billion | 28 | % of assets, Fixed fee, Performance fee |
| [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 |
| [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 |
| [Proficient Wealth Counselors, LLC](https://advisorcensus.com/firm/proficient-wealth-counselors-llc-norwood-ma-152640) ([md](https://advisorcensus.com/firm/proficient-wealth-counselors-llc-norwood-ma-152640.md)) | 152640 | Norwood, MA | SEC-registered investment adviser | $100 million to $500 million | 4 | % of assets, Hourly, Fixed fee |
| [Proficio Capital Partners LLC](https://advisorcensus.com/firm/proficio-capital-partners-llc-newton-ma-269931) ([md](https://advisorcensus.com/firm/proficio-capital-partners-llc-newton-ma-269931.md)) | 269931 | Newton, MA | SEC-registered investment adviser | Over $5 billion | 11 | % of assets, Fixed fee, Performance 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 |
| [Prosperitea Planning](https://advisorcensus.com/firm/prosperitea-planning-greenfield-ma-282041) ([md](https://advisorcensus.com/firm/prosperitea-planning-greenfield-ma-282041.md)) | 282041 | Greenfield, MA | SEC-registered investment adviser | $100 million to $500 million | 1 | Hourly, Fixed fee, Other |
| [Purefi Wealth, LLC](https://advisorcensus.com/firm/purefi-wealth-llc-boston-ma-328459) ([md](https://advisorcensus.com/firm/purefi-wealth-llc-boston-ma-328459.md)) | 328459 | Boston, MA | SEC-registered investment adviser | $100 million to $500 million | 2 | % of assets, Hourly, Fixed fee |
| [Quabbin Advisors](https://advisorcensus.com/firm/quabbin-advisors-amherst-ma-160019) ([md](https://advisorcensus.com/firm/quabbin-advisors-amherst-ma-160019.md)) | 160019 | Amherst, MA | SEC-registered investment adviser | $100 million to $500 million | 0 | % of assets, Fixed fee |
| [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 |
| [Radius Wealth Management, Inc.](https://advisorcensus.com/firm/radius-wealth-management-inc-boston-ma-168159) ([md](https://advisorcensus.com/firm/radius-wealth-management-inc-boston-ma-168159.md)) | 168159 | Boston, MA | SEC-registered investment adviser | $100 million to $500 million | 4 | % of assets, Hourly, 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 |
| [Red Kennedy Financial](https://advisorcensus.com/firm/red-kennedy-financial-135276) ([md](https://advisorcensus.com/firm/red-kennedy-financial-135276.md)) | 135276 | Not reported, Not reported | State-registered investment adviser | $25 million to $100 million | 20 | Hourly, Fixed fee, Other |
| [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 |
| [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 |
| [Rheeco, Inc.](https://advisorcensus.com/firm/rheeco-inc-natick-ma-301106) ([md](https://advisorcensus.com/firm/rheeco-inc-natick-ma-301106.md)) | 301106 | Natick, MA | SEC-registered investment adviser | $100 million to $500 million | 1 | % of assets, Hourly, Fixed fee |
| [Rhotopia Financial Advisors](https://advisorcensus.com/firm/rhotopia-financial-advisors-milton-ma-330618) ([md](https://advisorcensus.com/firm/rhotopia-financial-advisors-milton-ma-330618.md)) | 330618 | Milton, MA | State-registered investment adviser | Under $25 million | 2 | % of assets, Hourly, Fixed fee |
| [Richardson Financial Services](https://advisorcensus.com/firm/richardson-financial-services-medway-ma-130715) ([md](https://advisorcensus.com/firm/richardson-financial-services-medway-ma-130715.md)) | 130715 | Medway, MA | SEC-registered investment adviser | $100 million to $500 million | 6 | % of assets, Hourly, Fixed fee |
| [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 |
| [Righthand Capital, LLC](https://advisorcensus.com/firm/righthand-capital-llc-west-newton-ma-307517) ([md](https://advisorcensus.com/firm/righthand-capital-llc-west-newton-ma-307517.md)) | 307517 | West Newton, MA | SEC-registered investment adviser | $100 million to $500 million | 3 | % of assets, Fixed fee |
| [Rise North Capital Investment Advisors](https://advisorcensus.com/firm/rise-north-capital-investment-advisors-braintree-ma-336740) ([md](https://advisorcensus.com/firm/rise-north-capital-investment-advisors-braintree-ma-336740.md)) | 336740 | Braintree, MA | SEC-registered investment adviser | $25 million to $100 million | 0 | % of assets, Fixed fee |
| [Risen Phoenix Capital Advisers, LLC](https://advisorcensus.com/firm/risen-phoenix-capital-advisers-llc-malden-ma-337648) ([md](https://advisorcensus.com/firm/risen-phoenix-capital-advisers-llc-malden-ma-337648.md)) | 337648 | Malden, MA | State-registered investment adviser | Under $25 million | 1 | % of assets, Hourly, 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 |
| [Rivermax Financial Planning LLC](https://advisorcensus.com/firm/rivermax-financial-planning-llc-boston-ma-340438) ([md](https://advisorcensus.com/firm/rivermax-financial-planning-llc-boston-ma-340438.md)) | 340438 | Boston, MA | State-registered investment adviser | Under $25 million | 0 | % of assets, Hourly, Fixed fee |
| [Riverview Capital Advisers LLC](https://advisorcensus.com/firm/riverview-capital-advisers-llc-boston-ma-140377) ([md](https://advisorcensus.com/firm/riverview-capital-advisers-llc-boston-ma-140377.md)) | 140377 | Boston, MA | SEC-registered investment adviser | $500 million to $1 billion | 20 | % of assets, Hourly, Fixed fee, Other |
| [Rocky Hill Advisors Inc.](https://advisorcensus.com/firm/rocky-hill-advisors-inc-peabody-ma-123242) ([md](https://advisorcensus.com/firm/rocky-hill-advisors-inc-peabody-ma-123242.md)) | 123242 | Peabody, MA | SEC-registered investment adviser | $100 million to $500 million | 0 | % of assets, Hourly, Fixed fee |
| [Roman Retirement Planning, LLC](https://advisorcensus.com/firm/roman-retirement-planning-llc-mashpee-ma-306871) ([md](https://advisorcensus.com/firm/roman-retirement-planning-llc-mashpee-ma-306871.md)) | 306871 | Mashpee, MA | State-registered investment adviser | $25 million to $100 million | 6 | % of assets, Fixed fee |
| [Rootson Capital LLC](https://advisorcensus.com/firm/rootson-capital-llc-north-andover-ma-340459) ([md](https://advisorcensus.com/firm/rootson-capital-llc-north-andover-ma-340459.md)) | 340459 | North Andover, MA | State-registered investment adviser | Under $25 million | 0 | % of assets, Fixed fee |
| [RPG Family Wealth Advisory, LLC](https://advisorcensus.com/firm/rpg-family-wealth-advisory-llc-burlington-ma-158528) ([md](https://advisorcensus.com/firm/rpg-family-wealth-advisory-llc-burlington-ma-158528.md)) | 158528 | Burlington, MA | SEC-registered investment adviser | $500 million to $1 billion | 15 | % of assets, Hourly, Fixed fee |
| [RWA Wealth Partners](https://advisorcensus.com/firm/rwa-wealth-partners-boston-ma-156984) ([md](https://advisorcensus.com/firm/rwa-wealth-partners-boston-ma-156984.md)) | 156984 | Boston, MA | SEC-registered investment adviser | Over $5 billion | 14 | % of assets, Hourly, Fixed fee |
| [Safford Nicholas H & Co Inc](https://advisorcensus.com/firm/safford-nicholas-h-and-co-inc-rockport-ma-104740) ([md](https://advisorcensus.com/firm/safford-nicholas-h-and-co-inc-rockport-ma-104740.md)) | 104740 | Rockport, MA | SEC-registered investment adviser | $1 billion to $5 billion | 43 | % of assets, Fixed fee, Other |
| [Sandk Advisors LLC](https://advisorcensus.com/firm/sandk-advisors-llc-323242) ([md](https://advisorcensus.com/firm/sandk-advisors-llc-323242.md)) | 323242 | Not reported, Not reported | State-registered investment adviser | Not reported | 3 | Hourly, Fixed fee |
| [Sandy Cove Advisors, LLC](https://advisorcensus.com/firm/sandy-cove-advisors-llc-hingham-ma-152482) ([md](https://advisorcensus.com/firm/sandy-cove-advisors-llc-hingham-ma-152482.md)) | 152482 | Hingham, MA | SEC-registered investment adviser | $500 million to $1 billion | 10 | % of assets, Hourly, Fixed fee |

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

Cite as: AdvisorCensus. Flat-fee financial advisors in Massachusetts: 507 firms from Form ADV filings as of October 2026.