Flat-Fee Financial Advisor for Newton, MA
Evergreen Wealth Management is a flat-fee, fiduciary financial planning firm serving Newton, Massachusetts and the MetroWest. 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 Newton clients are higher-net-worth retirees who built their wealth in Boston tech, finance, or executive roles before settling in the MetroWest. Evergreen serves Newton 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 Newton families choose flat-fee planning
Newton — the Garden City — is a collection of thirteen villages and consistently ranks among the most affluent communities in Massachusetts. Many Newton households built their wealth in Boston tech, finance, biotech, medicine, or executive roles — bringing substantial concentrated stock positions, deferred compensation, and complex compensation histories with them. From Newton Centre and Waban to West Newton, the village centers, the Green Line’s D branch, and quick Mass Pike access into the city make Newton a place where families stay put through retirement.
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 Newton retirement situations
The most common situations we work through with Newton 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 Newton 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 Newton households); and build a retirement income plan that handles the higher cash-flow needs that come with a Newton lifestyle. We use eMoney for income modeling, Holistiplan for tax planning, and Nitrogen for portfolio risk alignment.
How we work with Newton clients
Nick meets with Newton clients locally where they are, or at one of his convenient Massachusetts locations. The main office is at 399 Boylston Street in Boston’s Back Bay, with additional coworking locations across Greater Boston — Nick is happy to pick whichever spot works best for your schedule.
Zoom is always an option as well. Many Evergreen clients across Massachusetts and the rest of the country prefer to meet virtually for the efficiency of fitting planning conversations into a working schedule.
The easiest path: schedule a free consult and Nick will figure out the best meeting setup with you on the call. You can also see all the towns Evergreen serves on the homepage.
Frequently asked questions about flat-fee financial planning for Newton
How does Evergreen serve Newton clients?
Newton 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 Newton client?
Pre-retirees and retirees living in Newton and the MetroWest 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 Newton years ago.
How does Evergreen compare to other Newton and MetroWest 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 Newton 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. Newton 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.