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We are so committed to serving the needs of our existing clients, we will never cold call or actively solicit you. We believe that when you are ready for a financial planning discussion you should reach out to us. We are only looking to establish life-long relationships with clients, and as such we believe that you should seek a firm that exudes experience, integrity and a style that matches your needs.

Most new clients:

  • Are willing to pay for financial planning and investment management services
  • Ages 30-50
  • Household income > $250,000 
  • Investable assets > $250,000

Currently, all meetings are virtual via Zoom or conference call, with few exceptions.  We look forward to a time when we feel comfortable welcoming you into our office again. Meetings occur from 9:00am to 6:00pm daily. We have elected to refrain from weekend appointments as we believe that it is incumbent upon us to be a model of work/life balance. Thus, we want to show that it is possible to work hard during the day, and have time with our family as well. In person meetings are available by special request in Needham, MA.

Please use the "Schedule A Meeting" button in the lower right corner of this screen.  There is also a form at the bottom of every page on the website that allows for you to reach out with a question.

You can expect our meeting to be informal and focused as much on "getting to know you" as it is about you learning about our firm. During our meeting, we seek to understand your unique goals and objectives by asking questions that cause you to think about "money issues" in ways you may have never thought before. Of course, we will also briefly review details pertaining to your assets (what you own), liabilities (what you owe) and your insurance (what protects you and your family from risks).

Our fee-based structure is transparent

- Financial Planning and Consulting starts at $2,000 annually.

- Asset management costs range from .65 - 1.60% depending on the amount of discretionary assets managed.

Insurance products that may be recommended pay commissions.  We disclose any conflicts of interest up-front.  As LPL Financial does not have any proprietary products, you are free to implement our recommendations wherever you feel most comfortable.

At the conclusion of our meeting, we will:

  1. Review your goals and objectives — We want to be sure we heard you correctly
  2. Review our process for preparing a financial plan — After all you should know what you are buying
  3. Review our costs — We charge a financial planning fee (minimum $2,000) to prepare a custom analysis, executive summary letter and recommendations.  Asset management costs range from .65 - 1.60% depending on the amount of discretionary assets managed.
  4. Our Promise to you — Following our initial meeting, we will dictate a memo to your file so that we can remember all of the specific facts pertaining to your situation. In addition, we will send you a thank you letter which restates the goals and objectives we discussed in our meeting along with any other information we need to gather from you. This may include:
    1. You signature on our Financial Planning Agreement
    2. Actual statements from various financial institutions
    3. Other items of importance.

Our website will provide you with a complete overview of our firm’s background, our services, our experience and, of course, how to prepare for a complimentary consultation with us.  Click here or call us at (617) 600-4676 .

At Concierge Wealth Management we are dedicated to helping our clients identify whether they are receiving financial planning services or not. We simply call it "the Formula for Financial Planning" We believe that Financial Planning "done right" needs to include conversations around your "feelings" about money issues as much as it includes the "facts" that support them. In addition, conversations around "financial confidence" issues such as protecting loved ones, protecting your income and protecting your legacy are critical elements that need to be woven into the planning conversation.

Our formula of financial planning is as follows:

We believe that in order for someone to say they received financial planning, the client must feel confident that their planner:

  1. Asked questions about their Goals, Challenges and Successes (We call this Discovery)
  2. Explore how effectively the client has elected to help protect their family, their health, their life and their legacy. (We call this Capital Protection)
  3. Discuss issues that impact the quantitative elements of their financial life with particular attention to how changes in cash flow, market volatility, inflation and other factors will impact the client’s expectations. (We call this Wealth Management)

Absolutely!!!! As an advisory client, we are committed to delivering the same depth of analysis and reporting that we developed for your initial financial plan. On an ongoing basis, we will continue to update the progress of your goals and make recommendations as needed. In addition, our client’s continuously turn to us for advice on the following areas:

  1. Advice and analysis on large purchase considerations such as a home, boat or car. In fact, we’ve been known to visit auto dealerships with many of our widowed and single clients so that the "sales" process doesn’t seem so daunting.
  2. Analysis of corporate benefits such as stock options, deferred compensation plans, executive bonus plans, etc.
  3. Ongoing review of your homeowners, automobile, and umbrella policies.
  4. Continued analysis of Life, Disability and Long Term Care Insurance.
  5. Ongoing conversations pertaining to estate issues such as legacy planning, tax planning charitable giving and more.

Yes, but with a caveat. We find that many clients that “just want help with my investments” really want help in multiple areas of financial planning. Our initial meeting will focus on your overall financial picture. If you decide to focus just on investments, we are happy to help, but please understand we will not answer any questions pertaining to financial planning.

We simply don’t believe that it is possible to place the interests of our clients first without initially capturing both a snapshot of their financial well-being, as well as a clear understanding of their financial goals and objectives.

Yes.  We believe that financial planning is an ongoing process and our agreement for financial consulting services is renewed annually.  After the completion and presentation of an objective financial planning analysis, will continue to receive ongoing updates, regular monitoring and periodic reviews that address their overall financial planning objectives.

We do not accept investment advisory clients without first knowing our client’s overall financial situation. This allows us to truly place the interests of our client’s first and align with our Code of Ethics as CERTIFIED FINANCIAL PLANNER® Professionals.

Further, most clients who hire us for financial planning and consulting, choose to have Concierge Wealth Management implement discretionary investment advisory programs offered through our Registered Investment Advisors, Flagship Harbor Advisors with securities offered through our broker/dealer,  LPL Financial.

Many clients ask us how we’re able to manage so much money AND maintain such personal relationships with our clients. We are able to do it because of the relationships with maintain with LPL Financial’s Research Department. Comprised of over 40 independent analysts, economists, strategists and CFA’s we rely on their independent assessments of the global economic environment as a baseline for our client portfolio construction. In addition, they offer recommendations and insights on specific investments. While we regularly incorporate our own firm’s perspectives and judgment on which investments to utilize in a client portfolio, it is nice to have a full-time LPL research department supporting our practice.

Our research process allows us to custom construct portfolios that can include client legacy positions (investments you already own) along with no-load, institutional and load-waived funds. In addition, we can include exchange traded funds, stocks, and individual bonds.

Our alliance  with the largest independent broker/dealer in the USA (as reported in Financial Planning Magazine — June 1996-2017, based on total revenues), grant us access to multitudes of insurance carriers, annuity companies, cash management tools, and more. As independent representatives we are free to select from companies that can better serve our client’s interests.

Additionally, Flagship Harbor Advisors, our Registered Investment Advisor, has an in-house team of CPA's that will help provide guidance and assist with portfolio construction when needed.

While each client portfolio is individually constructed, there are about 50-60 securities that frequently appear in many client accounts. Each day, both LPL Financial’s research department and our office review data and nuances that impact these securities and their corresponding competitors. We also conduct a monthly manual performance review of our most popular securities.

At least once per year, your portfolio is independently examined for rebalancing considerations, tax strategies, and continued alignment to your overall investment objective. Throughout the year, your portfolio may experience changes in allocation or holdings as we consider new additions, replacements or removals of investments from client portfolios.

We strongly believe that progress towards your goals is more important than beating a benchmark.  

That being said, performance of your investment account is maintained from the date the first dollar is deposited into your account.  This can be reviewed online through AccountView or in RightCapital.

Depending on your account type, you will receive a monthly or quarterly account statement.  It is preferred that clients access their statements online using AccountView.

We can also produce performance reports for any time period you’d like and measure your account against several benchmarks.

What happens if there is a tax liability when an investment is sold? ↓

In the event a client will experience a significant tax liability due to a sale of a security, we will contact you directly to discuss strategies and alternatives. We work very hard to insure that tax management plays a significant role in the continued supervision of your investment portfolio.

How often do you meet with your clients? ↓

At Concierge Wealth Management the number of meetings/reviews is left to the discretion of our clients. Oftentimes we find that clients prefer to meet 3-4 times during the first year, and then 1-2 times in years that follow. At the end of each meeting, we use our automated meeting scheduling tool, ScheduleOnce, to set your next meeting just like a doctors office.  You will receive period reminders about our meeting and make changes on your own, should you need to reschedule. We understand your schedule may change, but we want to make sure that we are on your calendar.

By always having a meeting scheduled with Concierge Wealth Management, it ensures that we can both review your personal financial situation, and also learn about changes that may have occurred in your life. 

We believe that client review meetings are equally as important as the first meeting we ever held with you. We’ll be asking questions about any events that have changed in your life, any financial issues that have caused you to save, spend, or earn more money. Hopefully all of your financial information will be aggregated through RightCapital. This will allow us to have up-to-date information on all aspects of your financial life and we can be prepared to offer thoughts and feedback to you. In addition, we will review the overall asset allocation, risk tolerance, performance and projections designed to help you work toward your goals.

Do you prepare tax returns? ↓

We don’t prepare taxes because we want to be dedicated all year round to your financial planning needs. As changes occur in your financial life, it is important to compare and contrast the impact taxes will have on these decisions. When appropriate, we will refer you to a qualified tax professional that we can work in tandem with to maximize your output.

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