Flat-Fee Financial Advisor for Hingham, MA
Evergreen Wealth Management is a flat-fee, fiduciary financial planning firm serving Hingham, Massachusetts and the South Shore. 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 Hingham clients are higher-net-worth retirees who built their wealth in Boston tech, finance, or executive roles before settling on the South Shore. Evergreen serves Hingham clients virtually via Zoom, with the Boston headquarters at 399 Boylston Street available when an in-person meeting is preferred.
$900
PER MONTH, FLAT FEE
$1M
ASSET MINIMUM
20+
YEARS AS A FINANCIAL ADVISOR
100%
FIDUCIARY, FEE-ONLY
Why Hingham families choose flat-fee planning
Hingham has become one of the South Shore’s most affluent retirement communities. Many Hingham households moved south after long careers in Boston tech, finance, biotech, or executive roles — bringing substantial concentrated stock positions, deferred compensation, and complex compensation histories with them. Hingham Harbor, Hingham Square, and the surrounding villages attract families looking for waterfront access and a slower pace without giving up proximity to Boston via commuter rail or the MBTA boat.
For these households, the math on a 1% AUM advisor stops making sense quickly. On a $3 million portfolio, that’s $30,000 per year — every year. On $5 million, $50,000. 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 Hingham retirement situations
The most common situations we work through with Hingham clients: late-career or retired Boston tech and biotech executives sitting on substantial concentrated stock and deferred compensation balances; finance professionals with a mix of partnership distributions, retained equity, and traditional retirement accounts; and longtime Hingham homeowners planning the next chapter — possibly downsizing, possibly continuing to live in the family home through retirement.
The planning work is typically: model the tax cost of diversifying out of concentrated positions; coordinate Roth conversions in the gap years before RMDs begin; navigate Massachusetts state estate tax (which kicks in at $2 million and matters for many Hingham households); and build a retirement income plan that handles the higher cash-flow needs that come with a Hingham lifestyle. We use eMoney for income modeling, Holistiplan for tax planning, and Nitrogen for portfolio risk alignment.
How we work with Hingham clients
Hingham clients work with Evergreen virtually via Zoom. Most clients meet by Zoom regardless of geography — it is faster, more flexible, and works well for retirees who travel, have second homes, or simply prefer the efficiency of a video meeting over a 30-minute drive. The Boston headquarters at 399 Boylston Street is available for clients who occasionally want an in-person downtown meeting.
The workflow is the same regardless of whether the meeting is virtual or in-person. Document sharing happens through Encrypted Encyro for security. Planning is done live in eMoney with screen-share. Tax modeling runs in Holistiplan. Portfolio reviews happen in Nitrogen. The custodian is Charles Schwab — accounts in your own name, not Evergreen’s.
Frequently asked questions about flat-fee financial planning for Hingham
How does Evergreen serve Hingham clients?
Hingham clients work with Evergreen virtually via Zoom. Most clients meet by Zoom regardless of geography — it is faster, more flexible, and works well for retirees who travel or have second homes. The Boston headquarters at 399 Boylston Street is available for clients who occasionally want an in-person downtown meeting. Document delivery is handled securely through Encyro encrypted email and e-signature.
Who is Evergreen’s typical Hingham client?
Pre-retirees and retirees living in Hingham and the South Shore with $1,000,000 or more in investable assets, with many clients in the $2 million to $10 million range. Common backgrounds include Boston tech and biotech executives, finance professionals with retained equity or partnership distributions, and longtime professionals who built wealth quietly across a long career and bought into Hingham years ago.
How does Evergreen compare to other Hingham and South Shore financial advisors?
Most financial advisors charge 1% of assets under management — on a $3 million portfolio that is $30,000 per 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. The flat-fee model usually saves Hingham households tens of thousands of dollars per year compared to a traditional AUM advisor.
Do I have to be in Massachusetts to work with Evergreen?
No. Evergreen serves clients nationwide. Hingham retirees who relocate to Florida, the Cape, or anywhere else can keep working with Evergreen — the flat fee, the Schwab custody, and the planning workflow are all the same. The transition is seamless.
Affiliations & credentials
Independent. Fiduciary. Member of the most established fee-only advisor organizations.
Schedule a free consultation
A complimentary 45-minute Zoom conversation. No obligation, no sales pitch.