Flat-Fee Financial Advisor in Framingham, MA
Evergreen Wealth Management is a flat-fee, fiduciary financial planning firm serving Framingham, Massachusetts and the broader MetroWest area. For pre-retirees and retirees with $1,000,000 or more in investable assets, the fee is $900 per month ($10,800 per year). Fees are negotiable. No commissions, no AUM percentage, no proprietary products. Many Framingham clients are longer-tenure MetroWest families who built wealth quietly over decades — TJX, Bose, Genzyme, and Sanofi employees, plus small-business owners and longtime homeowners across Saxonville, Nobscot, and Framingham Centre. We meet clients in person at the Workbar Framingham location and virtually via Zoom.
$900
PER MONTH, FLAT FEE
$1M
ASSET MINIMUM
20+
YEARS AS A FINANCIAL ADVISOR
100%
FIDUCIARY, FEE-ONLY
Why Framingham families choose flat-fee planning
Framingham is the largest community in MetroWest and home to a more diverse mix of working professionals, longtime homeowners, and small-business owners than the higher-income suburbs east of Route 128. Major employers nearby include TJX Companies, Bose Corporation, Sanofi (formerly Genzyme), and a long list of healthcare, manufacturing, and financial services firms. Many Framingham retirees built their wealth through 35-plus years at one employer, with substantial 401(k) balances, pensions in some cases, and concentrated stock from longtime employee stock purchase plans.
That kind of household tends to be sharper than most about fees — and rightly so. A 1% AUM fee on a $1.5 million portfolio is $15,000 per year, every year, that doesn’t reflect any change in the work being delivered. Evergreen charges $900 per month ($10,800 per year) for relationships of $1,000,000 or more. The flat fee covers comprehensive planning, investment management, retirement income strategy, and year-round tax planning. See how the flat fee compares to traditional 1% AUM →
Common Framingham retirement situations
The most common situations we work through with Framingham clients: longtime employees of TJX, Bose, Sanofi, or other MetroWest employers planning the transition out of full-time work after 30 or 35 years; pension recipients deciding between lump-sum and annuity options; and small-business owners thinking through succession or sale and the tax implications of converting business equity into retirement income.
The planning work is typically: model the lump-sum-vs-annuity decision for pensions; coordinate Roth conversions in the gap years before RMDs; manage Massachusetts state estate tax exposure (which kicks in at $2 million); and build a sustainable retirement income plan from a mix of 401(k), pension, and Social Security cash flows. We use eMoney for income modeling, Holistiplan for tax planning, and Nitrogen for portfolio risk alignment.
Where we meet in Framingham
In-person meetings with Framingham clients happen at the Workbar Framingham coworking location, convenient to the Mass Pike, Route 9, and the broader MetroWest area including Saxonville, Nobscot, and Framingham Centre. Most clients meet by Zoom for ongoing reviews. The Boston headquarters at 399 Boylston Street is also available for clients who occasionally want a downtown meeting.
Evergreen serves clients nationwide, but Framingham and the MetroWest area is one of the markets where in-person availability matters — especially for the first meeting and major retirement-transition reviews.
Frequently asked questions about flat-fee financial planning in Framingham
Where do you meet clients in Framingham, MA?
In-person meetings are held at the Workbar Framingham coworking location, convenient to the Mass Pike, Route 9, and the broader MetroWest area including Saxonville, Nobscot, and Framingham Centre. Most ongoing reviews happen via Zoom for scheduling flexibility. The Boston headquarters at 399 Boylston Street is also available for downtown meetings.
Who is Evergreen’s typical Framingham client?
Pre-retirees and retirees living in Framingham and the broader MetroWest area with $1,000,000 or more in investable assets. Common situations include longtime employees of TJX, Bose, Sanofi, or other MetroWest employers; pension recipients evaluating lump-sum versus annuity options; and small-business owners planning succession or sale.
How does Evergreen compare to other Framingham financial advisors?
Most financial advisors charge 1% of assets under management — on a $1.5 million portfolio that’s $15,000 per year, every year. Evergreen charges $900 per month ($10,800 per year) for relationships of $1,000,000 or more. The flat fee includes comprehensive planning, investment management, retirement income strategy, and year-round tax planning. No commissions, no proprietary products, no referral fees.
Can you help me decide between a pension lump sum and an annuity?
Yes. The lump-sum-versus-annuity decision is one of the most common and consequential planning decisions for Framingham retirees with longtime employer pensions. The work involves modeling each option against your other income sources, factoring in tax treatment, longevity expectations, spouse coordination, and current interest rates. We model both scenarios in eMoney and Holistiplan before making a recommendation.
Affiliations & credentials
Independent. Fiduciary. Member of the most established fee-only advisor organizations.
Schedule a free consultation in Framingham
A complimentary 45-minute conversation. In person at Workbar Framingham or virtually via Zoom. No obligation, no sales pitch.