Flat-Fee Financial Advisor in Cambridge, MA

Why Cambridge families choose flat-fee planning

Cambridge sits directly across the Charles River from Boston, anchored by Kendall Square — one of the most concentrated biotech and tech clusters in the world — along with Harvard, MIT, and a deep bench of research institutions. Major employers include Kendall Square biotech firms like Moderna and Biogen, the Cambridge offices of Google and Microsoft, the universities, and hospitals such as Mount Auburn in Cambridge and Mass General just across the river. Many Cambridge households are dual-income — engineers, product managers, academics, healthcare professionals — with substantial RSU and stock-option compensation as part of total comp.

That mix creates a specific planning profile. Concentrated stock in one employer, RSU vesting that doesn’t align with cash needs, dual-401(k) coordination across two employers, and the question of when to diversify out of company stock without triggering a massive tax bill. A flat fee makes sense for these households because the planning work is what they need — not investment management billed as a percentage that scales with a $1.5M to $10M portfolio.

At $900 per month, Evergreen’s flat fee covers comprehensive planning, investment management, retirement income strategy, and year-round tax planning — the same work for $1M and $5M portfolios. See how the flat fee compares to traditional 1% AUM →

Common Cambridge retirement situations

The most common situations we work through with Cambridge clients: dual-income couples five to ten years from retirement with concentrated stock in one or both employers; tech executives whose RSU vesting will spike taxable income for three to five years and then drop dramatically; and Mass General Hospital and Mount Auburn Hospital and other healthcare professionals navigating 403(b) and 457 plan coordination on top of standard 401(k) accounts.

The planning work is typically: model the tax cost of diversifying out of concentrated stock across multiple tax years; coordinate Roth conversions in the gap years between W-2 income ending and Social Security or RMDs starting; and build a retirement income plan that doesn’t depend on the next vesting cycle. We use eMoney for the income modeling, Holistiplan for tax return analysis, and Nitrogen for portfolio risk alignment.

Where we meet in Cambridge

In-person meetings with Cambridge clients happen at the Workbar Cambridge coworking location. Most clients meet by Zoom for ongoing reviews — it’s faster, more flexible, and works well for dual-income households where coordinating two schedules around an in-person meeting can be the bottleneck. The Boston headquarters at 399 Boylston Street is also available for clients who want a downtown meeting.

Evergreen serves clients nationwide, but Cambridge is one of the markets where in-person availability matters — especially for the first meeting and major milestone reviews like retirement transition planning.