Fee-only financial advisors in Massachusetts

462 fee-only investment advisers in Massachusetts serve individuals, across 135 cities. 308 offer hourly or flat-fee arrangements and 273 are registered with the SEC; the rest are registered with the state securities regulator. Each listing comes from the firm’s own Form ADV filing, as of November 6, 2026.

Cities with three or more fee-only advisers

• Boston 115
• Wellesley 12
• Cambridge 11
• Newton 11
• Waltham 10
• Needham 10
• Framingham 9
• Burlington 8
• Beverly 8
• Braintree 8
• Concord 7
• Andover 7
• Norwell 6
• Hingham 6
• Dedham 6
• Woburn 6
• North Andover 6
• Duxbury 5
• Worcester 5
• Plymouth 5
• Lynnfield 5
• Mansfield 4
• Acton 4
• Lexington 4
• Salem 4
• Great Barrington 4
• Westborough 4
• Natick 4
• Marlborough 4
• Springfield 3
• Medfield 3
• Sudbury 3
• Southborough 3
• Danvers 3
• Amherst 3
• New Bedford 3
• North Attleboro 3
• Winchester 3
• Walpole 3
• Marblehead 3
• Fall River 3
• Cohasset 3
• Westford 3
• Pittsfield 3
• Arlington 3
• Wrentham 3

Fee-only advisers in Massachusetts serving the most individuals

• Vestmark Advisory Solutions, Inc. Wakefield · 84,069 individual clients
• Integrated Wealth Concepts LLC Waltham · 29,187 individual clients
• Breckinridge Capital Advisors Inc Boston · 16,362 individual clients
• Beanstox Boston · 10,048 individual clients
• Westfield Capital Management Company, L.P. Boston · 8,910 individual clients
• Flagship Harbor Advisors, LLC Boston · 7,280 individual clients
• St. Germain Investment Management Springfield · 6,461 individual clients
• Rwa Wealth Partners Boston · 5,951 individual clients
• Stackwell Boston · 3,924 individual clients
• Loring, Wolcott & Coolidge Fiduciary Advisors, LLP Boston · 3,214 individual clients

Other Massachusetts cities

How to choose between them

1. Decide how you want to pay. Hourly and flat-fee planners suit people who want a plan and will implement it themselves. A percentage-of-assets fee buys ongoing investment management; on $1 million at 1% that is $10,000 a year, every year.
2. Check the SEC record. Each listing links to the firm’s page on the SEC’s Investment Adviser Public Disclosure site, where you can read the Form ADV Part 2 brochure (fees, minimums, conflicts) and any disciplinary history.
3. Ask who you will actually work with and what credentials they hold. The advisor versus consultant guide explains which titles are regulated and which are marketing.
4. Ask about minimums. Form ADV Part 1 does not record account minimums, so they are not shown here. Many asset-based firms require $500,000 or more; hourly planners usually have none.
5. Get the fee in writing before you sign, including fund expenses and any platform or custody charges on top.