Flat-Fee Financial Advisor in Needham, MA
Evergreen Wealth Management is a flat-fee, fiduciary financial planning firm serving Needham, Massachusetts and the greater medical and biotech corridor. 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 Needham clients are physicians and other medical professionals navigating 403(b) and 457(b) plan coordination, deferred compensation, and the transition out of a high-income hospital or biotech career. We meet clients in person at the Workbar Needham location and virtually via Zoom.
$900
PER MONTH, FLAT FEE
$1M
ASSET MINIMUM
20+
YEARS AS A FINANCIAL ADVISOR
100%
FIDUCIARY, FEE-ONLY
Why Needham families choose flat-fee planning
Needham is one of the most credentialed retirement-aged communities in the Boston suburbs. The medical corridor — Brigham and Women’s, Beth Israel Deaconess, Children’s Hospital, Mass General, plus the biotech firms along the 128 corridor — means many Needham households include physicians, biotech executives, and senior healthcare professionals. The financial picture often includes 403(b) and 457(b) plans (sometimes both), deferred compensation arrangements, and concentrated stock from a long career at one employer.
That income complexity makes the flat-fee model especially valuable. Most advisors charge a percentage of assets under management, which means a $3 million portfolio costs $30,000 per year before any planning depth is delivered. Evergreen charges $900 per month ($10,800 per year) for the same comprehensive work — financial planning, investment management, tax planning, and ongoing wealth advisory — for relationships of $1,000,000 or more. See how the flat fee compares to traditional 1% AUM →
Common Needham retirement situations
The most common situations we work through with Needham clients: physicians or biotech executives in their late 50s or early 60s evaluating when to step back from full-time clinical or executive work; households navigating the coordination of 403(b), 457(b), and deferred compensation distribution timing; and older retirees already in distribution who want a more deliberate withdrawal sequencing strategy than they had at their previous advisor.
The planning work is typically: model when to start drawing from each account type to minimize lifetime tax bill; coordinate Roth conversions in the gap years before RMDs begin; navigate Massachusetts state estate tax (which kicks in at $2 million); and build a retirement income plan that accommodates the unique distribution rules of 457(b) plans alongside standard IRA and 401(k) accounts. We use eMoney for income modeling, Holistiplan for tax return analysis, and Nitrogen for portfolio risk alignment.
Where we meet in Needham
In-person meetings with Needham clients happen at the Workbar Needham coworking location, convenient to Needham Heights, Needham Center, and the surrounding medical corridor. Most clients meet by Zoom for ongoing reviews — it’s faster, especially for physicians juggling clinical schedules. The Boston headquarters at 399 Boylston Street is also available for clients who prefer a downtown meeting.
Evergreen serves clients nationwide, but Needham 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 Needham
Where do you meet clients in Needham, MA?
In-person meetings are held at the Workbar Needham coworking location, convenient to Needham Heights, Needham Center, and the surrounding medical corridor. Most ongoing reviews happen via Zoom for scheduling flexibility, particularly for physicians and biotech professionals with packed calendars. The Boston headquarters at 399 Boylston Street is also available for downtown meetings.
Who is Evergreen’s typical Needham client?
Pre-retirees and retirees living in Needham with $1,000,000 or more in investable assets. Common situations include physicians and other medical professionals from Brigham, Beth Israel Deaconess, Children’s Hospital, and Mass General; biotech and pharma executives along the 128 corridor; and older retirees who want more deliberate withdrawal sequencing and tax planning than they had at a previous advisor.
How does Evergreen compare to other Needham financial advisors?
Most financial advisors in the Needham area charge 1% of assets under management, meaning a $3 million portfolio costs $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.
Can you help with 403(b) and 457(b) plan coordination?
Yes. Coordinating distributions across 403(b), 457(b), and traditional retirement accounts is one of the most common planning needs for Needham physicians and biotech executives. The work involves modeling distribution timing across multiple account types, managing the unique rules of governmental versus non-governmental 457(b) plans, and integrating those distributions with Social Security claiming and Medicare IRMAA brackets.
Affiliations & credentials
Independent. Fiduciary. Member of the most established fee-only advisor organizations.
Schedule a free consultation in Needham
A complimentary 45-minute conversation. In person at Workbar Needham or virtually via Zoom. No obligation, no sales pitch.