Flat-Fee Pricing — $900/Month for Comprehensive Boston Financial Planning
Big-Firm Experience. Institutional-Grade Technology.
Built-In Security—With a Common-Sense Fee.
Flat-Fee Fiduciary Wealth Management in Boston — No AUM %, No Commissions, No Surprises
Our flat-fee model mirrors our values:
avoid complexity, eliminate conflicts,
and always put clients first.
At Evergreen Wealth Management, we believe financial advice should be transparent, objective, and conflict-free.
That’s why we operate on a simple flat monthly fee — not a percentage of your assets. You’ll always know exactly what you’re paying and that our guidance is 100% aligned with your best interests.
Work directly with a CFP® fiduciary advisor using the same advanced technology trusted by major institutions — without the sales pressure, hidden incentives, or unpredictable costs.
You’ll also get access to top-tier technology tools for seamless, fiduciary planning:
- eMoney for financial planning and a secure, interactive client portal
- Charles Schwab’s iRebal® for automated, tax-aware portfolio management
- Nitrogen for aligning your investments with your personal risk tolerance
- Holistiplan for detailed tax analysis and uncovering planning opportunities
These tools are backed by institutional-level security protocols, giving you peace of mind that both your plan and your personal information are protected.
And best of all, we offer all of this under a flat, transparent monthly fee of $900. No percentage-based fees. No commissions. No pressure to move assets unnecessarily. Just straightforward, objective advice built around your goals—with clarity, security, and confidence.
Transparent, Flat-Fee Fiduciary Advice – Built for Boston Professionals and Families
A Fee Structure That Puts You First
We charge a flat, all-inclusive fee of $900 per month,
regardless of how much you invest. That means:
Predictable, Transparent Pricing
No AUM %, no hidden fees, no surprises
True Fiduciary Advice
Our only incentive is your success — not selling products or managing assets
No Sales Pressure or Conflicts
You’ll never be pushed to move money or buy investment products
Why a Flat Fee?
Most financial advisors still charge around 1% of assets under management — a model that rewards gathering assets, not providing better advice.
Under that system, as your portfolio grows, your fees can double or triple without any change in service.
At Evergreen Wealth Management, we believe in a fiduciary, flat-fee approach that keeps your costs predictable and your advisor’s incentives aligned with your goals.
We think there’s a better way — and it starts with transparency.
Clients with larger portfolios can save thousands per year compared to traditional percentage-based pricing.
At $2 million in assets, a typical 1% advisor fee would be about $20,000 annually — while our flat fiduciary fee remains $10,800 per year for relationships of $1,000,000 or more.
What’s Included in Your Fee
Your $900/month flat fee includes everything you need for transparent, fiduciary financial planning and investment management:
- Personalized financial planning using eMoney
- Investment risk alignment with Nitrogen
- Tax return analysis using Holistiplan
- Unlimited access to your advisor for planning
questions and check-ins
- Tax-aware, automated portfolio management with iRebal®
- Ongoing retirement, tax, and withdrawal strategy support
- Secure document sharing and communication tools
- Objective, conflict-free advice—no commissions,
no asset-based sales pressure
Independent, Fiduciary Advice — No Sales Pressure, No Conflicts
We require a minimum of $1,000,000 in investable assets, held at Charles Schwab. This ensures our flat-fee fiduciary model stays proportional to the value we deliver.
Beyond that, we’re completely independent — we don’t earn commissions, sell products, or require you to move assets under our management.
Our advice is based solely on what’s best for your financial picture — not on where your assets are held.
That flexibility means:
- No pressure to transfer legacy
accounts or specialized assets
- No bias when advising on property sales, pensions, or outside investments
- Full respect for your desire to diversify across institutions
Who We Help – and Who We Don’t
We specialize in flat-fee fiduciary financial planning — providing high-touch, personalized advice without the high AUM-based fees or conflicts of interest found at traditional firms.
This model isn’t for everyone, and that’s okay. Here’s who we typically work best with:
We’re a great fit for:
- Retirees and pre-retirees looking for a long-term fiduciary partner
- Clients who want transparent, flat-fee pricing and modern tools
- Individuals who value objective, commission-free advice
- Professionals who prefer personalized, ongoing guidance
We may not be the best fit if:
- You have under $1,000,000 in investable assets
- You’re seeking access to private equity or in-house legal/tax teams
- You’re fully confident managing your own finances and future planning
- You want a one-time financial plan without ongoing support
The Fiduciary Difference — Transparent, Flat-Fee Financial Planning
You shouldn’t have to pay more just because your portfolio grew.
With Evergreen, you get transparent, fiduciary advice and one simple flat monthly fee — not a percentage of your assets.
That means no hidden costs, no sales agendas, and no surprises — just clear, ongoing guidance built around your goals.
If you’re ready for a fresh, simplified approach to wealth management, let’s talk.
Frequently Asked Questions About Our Fees
How much does Evergreen Wealth Management cost?
Evergreen charges a flat fee of $900 per month ($10,800 per year) for comprehensive financial planning and investment management — for relationships of $1,000,000 or more. No AUM percentages, no hidden commissions, no tiered fees.
Is there an asset minimum?
Yes. Evergreen has a $1,000,000 asset minimum across the household. Fees are negotiable.
Are there any other fees?
No. The $900/month covers all financial planning, retirement income strategy, tax planning, Social Security optimization, investment management through Charles Schwab, and unlimited communication with your advisor. The only additional costs are the underlying expense ratios of the index funds in your portfolio (typically 0.05–0.15%) and any custodial fees Schwab charges directly (most clients pay none).
How does $900/month compare to a 1% AUM advisor?
A 1% AUM advisor’s fee grows with your portfolio. On $1 million, that’s $10,000/year; on $2 million, $20,000/year; on $5 million, $50,000/year. Evergreen’s flat fee stays $10,800/year regardless. For households with $1 million or more, the savings can compound to hundreds of thousands of dollars over a 20–30 year retirement.
How are the fees charged?
Fees are billed monthly and automatically deducted from your managed Charles Schwab brokerage account at the beginning of the month. Spouses can choose to split fees between accounts. Evergreen does not accept payment by credit card or check. There are no long-term contracts — you can end the engagement at any time.
Read more on advisor fees and how flat-fee planning works
More from the Evergreen blog on flat-fee vs. AUM, advisor pricing models, and the 30-year math behind retirement-advice fees.
What Does a 1% Financial Advisor Fee Actually Cost?
The compounding math of percentage-based fees over a 30-year retirement.
Flat-Fee vs. AUM Financial Advisor: Which Fee Model Is Better
Side-by-side breakdown of each fee model and who each is actually best for.
How to Find a Fee-Only Financial Planner in Boston
What “fee-only” really means and where to find one in the Boston area.
I’ve Never Heard of Flat-Fee Financial Advisors — Is This Actually Legit?
Why flat-fee advisors are a real and growing model in the industry.
What Am I Missing With a Flat-Fee Advisor?
The “too good to be true” question, addressed honestly — including who flat-fee isn’t for.
I Have $3 Million — Should I Switch My 1% Advisor?
The break-even math at $1M, $2M, and $3M, plus the non-financial reasons that matter.
AI vs. Human Advisor: Why the Modern Advisor Costs 60% Less
How AI tooling lets a solo advisor do what used to require a five-person team.
The 1% Wealth Tax: How AUM Fees Impact a $1.5M Portfolio Over 30 Years
The 30-year compounding impact of paying 1% per year. The number is bigger than you think.
The 3 Ways to Hire a Financial Advisor
AUM, hourly, flat-fee — the three pricing models and a decision framework for each.
Fiduciary, Flat-Fee, or 1% AUM: Understanding How Financial Advisors Really Charge
Untangling the three vocabulary categories every retiree needs to know before vetting an advisor.
Flat-Fee vs. Project-Based vs. 1% AUM Advisors: Which Model Fits You Best?
When project-based pricing fits better than flat-fee or AUM, with examples of when each model is right.
Do I Need a Financial Advisor, or Should I DIY?
An honest framework for deciding whether to manage your own retirement plan or hire help — and what each path costs.
Choosing the Right Investment Advisor: Key Factors to Consider
The questions that separate a good advisor from an expensive one — credentials, fee model, fiduciary status, and fit.
