Retirement Planning & Flat-Fee Wealth Management in Boston, MA
Evergreen Wealth Management is a fee-only, fiduciary financial advisor in Boston, MA, built specifically for people approaching or already in retirement. Led by Nick Stevens, CFP® — with 20 years of advisory experience including 12 at Fidelity Investments — Evergreen helps clients turn decades of savings into a reliable retirement income plan. For a flat fee of $725 per month ($8,700 per year), you get retirement income strategy, tax-efficient withdrawal planning, Social Security optimization, investment management through Charles Schwab, and ongoing fiduciary guidance — regardless of portfolio size. We serve clients in Greater Boston — including Cambridge, Brookline, Newton, Wellesley, Burlington, Winchester, Needham, Framingham, and Hingham — and nationwide.
Retirement Planning That Goes Beyond Investment Management
If you’re over 50 and approaching retirement, your financial focus has shifted from accumulation to preservation and distribution. Evergreen helps Boston-area and nationwide clients answer the critical questions that traditional investment-only firms often overlook:
Retirement Longevity: Evergreen builds dynamic retirement income plans that stress-test your savings against inflation, market downturns, and longevity risk.
Adaptive Investing: We manage diversified, low-cost portfolios through Charles Schwab, designed to adapt as markets and your needs evolve.
Tax Efficiency: From Roth conversions to tax-loss harvesting, Evergreen’s CFP® advisor integrates tax strategy into every financial decision.
Who We Serve — Financial Planning for Pre-Retirees and Retirees in Boston & Nationwide
Evergreen Wealth Management works best with clients who are building toward — or already living in — retirement, and who want a dedicated advisor rather than a call center.
Whether you’re a professional in your 50s navigating the transition from full-time work, a dual-income couple coordinating complex retirement accounts and Social Security timing, or already retired and looking for a long-term fiduciary partner — Evergreen provides the hands-on, personalized guidance that large firms and robo-advisors cannot.
Our Typical Clients
Pre-Retirees & Recent Retirees — Professionals in their 50s and 60s navigating the complexities of retirement. You’ve built over $1 million across 401(k)s, IRAs, and brokerage accounts and now need a clear income and tax withdrawal strategy — not just a portfolio.
Dual-Income Couples — Managing two sets of retirement accounts, stock options, pensions, or deferred compensation. You need one advisor who can integrate both sides of the household into a cohesive strategy for Social Security timing, Roth conversions, and Medicare.
Nationwide Clients Seeking an Independent Fiduciary — Clients anywhere in the U.S. who want a fee-only fiduciary advisor without the conflicts of a wirehouse or bank-affiliated firm. We meet via Zoom and provide the same level of fiduciary service regardless of location.
Flat-Fee Pricing — What You Pay and What You Get
Evergreen Wealth Management charges a flat fee of $725 per month ($8,700 per year) for comprehensive financial planning and investment management — regardless of portfolio size. A traditional 1% AUM advisor would charge approximately $10,000 per year on a $1 million portfolio and $20,000 on $2 million. At Evergreen, your fee stays the same.
That single fee covers retirement planning, tax-aware portfolio management through Charles Schwab, risk alignment, tax return analysis, and unlimited access to your advisor. No product sales, no hidden incentives — just straightforward, fiduciary guidance built around your goals.
- Flat Monthly Fee – $725/month, regardless of portfolio size
- Transparent Pricing – No AUM %, no hidden commissions, and no tiered fees.
- 100% Fiduciary – No product sales. We are paid only by you, to work only for you.
Tell us about your financial goals.
Stories of Success
Retirement Planning for a Dual-Income Couple
Cynthia is ready to retire from teaching and Dennis is happy in his career as a software engineer. They need help navigating their timeline & next steps.
Switching From a Large Firm to an Independent Fiduciary
Jane, a retired widow, had been working with a large advisory firm for years but felt like just another account number. She wanted personalized, fiduciary guidance from someone committed to her goals.
Tax & Estate Planning for a Self-Directed Investor
Todd, a confident stock picker, realized he had blind spots in his tax and estate planning. He wanted a fiduciary to fill the gaps while preserving the spirit of his portfolio for his family’s legacy.
Frequently Asked Questions
What does Evergreen Wealth Management charge?
Evergreen charges a flat fee of $725 per month ($8,700 per year) for comprehensive financial planning and investment management. The fee does not change based on portfolio size. By comparison, a traditional 1% AUM advisor would charge approximately $10,000 per year on a $1 million portfolio and $20,000 on $2 million. Evergreen requires a $500,000 asset minimum.
Where is Evergreen Wealth Management located?
Evergreen Wealth Management is based in Boston, MA at 399 Boylston St in the Back Bay. We meet clients in person in Boston and at coworking locations in Burlington, Needham, and Framingham, MA, and serve clients nationwide via Zoom. Our founder, Nick Stevens, CFP®, splits his time between in-person and virtual meetings depending on client preference.
Is Evergreen Wealth Management a fiduciary?
Yes. Evergreen is a fee-only fiduciary registered investment advisor (RIA), registered with the state of Massachusetts. We are legally and ethically required to act in your best interest at all times. We don’t sell products, earn commissions, or accept referral fees from third parties. Our only compensation comes from our flat client fee.
What’s included in the $725 monthly fee?
The $725/month flat fee covers comprehensive financial planning and investment management. This includes retirement income strategy, Social Security optimization, tax-efficient withdrawal planning, Roth conversion analysis, tax return review, investment management through Charles Schwab, risk alignment, and unlimited access to your advisor — Nick Stevens, CFP®. There are no additional fees for additional services.
Who is Evergreen a good fit for?
Evergreen works best with people approaching or already in retirement, typically with $500,000 to $5 million in investable assets across 401(k)s, IRAs, and brokerage accounts. Our typical clients are pre-retirees and retirees in their 50s, 60s, and 70s who want comprehensive planning — not just investment management — and who prefer a long-term relationship with one advisor over a call center.
How is Evergreen different from a 1% AUM advisor?
Two main differences. First, the fee model: a 1% AUM advisor charges a percentage of your assets, so their fee grows as your portfolio grows even when service stays the same. Evergreen charges $725/month flat. On a $1 million portfolio that’s roughly $1,300/year in savings vs. 1% AUM; on $2 million, about $11,300/year. Second, the scope: Evergreen’s fee covers comprehensive planning (tax, Social Security, retirement income, estate basics) — not just investment management.
How to Get Started With Evergreen Wealth Management
Evergreen Wealth Management offers a free, no-obligation introductory process so you can evaluate whether flat-fee fiduciary planning is right for your retirement. Whether you’re in the Boston area or meeting virtually, you’ll know exactly what to expect — no sales pressure, no commitment required.
Step #1
Free 45-Minute Introductory Call A relaxed, no-obligation conversation about your financial situation, retirement timeline, and what you’re looking for in an advisor. No preparation needed.
Step #2
Discovery Meeting & Fit Assessment. If there’s mutual interest, we’ll dive deeper into your goals, risk tolerance, and current financial picture. You’ll learn how our flat-fee fiduciary model works and whether Evergreen is the right fit.
Step #3
Your Personalized Financial Plan & Action List You’ll receive a complimentary fiduciary financial assessment — including a snapshot of where you stand, a roadmap to your retirement goals, and a prioritized action list. No commitment required to keep the plan.
Popular reads from Evergreen
Quick answers to the questions retirees in Massachusetts ask us most.