FREQUENTLY ASKED QUESTIONS

A fee-only financial advisor is compensated directly by clients rather than through commissions from selling financial products. This structure helps reduce conflicts of interest because recommendations are based on your financial goals rather than product sales. At Leverage Financial Advisory, we provide advice designed to help you make informed financial decisions with your best interests in mind.

 A CFP® (Certified Financial Planner™) professional helps clients create comprehensive financial plans. This can include retirement planning, investment strategies, tax planning, insurance analysis, education savings, and estate planning coordination. CFP® professionals must meet rigorous education, experience, and ethical standards.

 A CMT Association Chartered Market Technician (CMT) is an investment management professional who has earned the CMT designation by demonstrating expertise in technical analysis, market behavior, risk management, and investment decision-making. The designation requires passing a rigorous three-level examination program, meeting professional experience requirements, and adhering to a code of ethics. 

A fiduciary financial advisor is legally and ethically required to act in their clients' best interests. This means recommendations are made based on your financial situation and goals rather than commissions or incentives from financial products.

Our financial planning services include retirement planning, investment planning, tax-efficient strategies, education savings, insurance reviews, estate planning coordination, and ongoing financial guidance. Every financial plan is tailored to your unique goals, priorities, and stage of life.

Yes. We offer professional investment management designed around your financial goals, time horizon, and risk tolerance. Portfolios are monitored and adjusted as market conditions and your personal circumstances change, with a focus on long-term discipline and thoughtful decision-making.

Yes. We work with clients both in person and virtually. Secure video meetings allow us to provide financial planning and investment advice whether you live nearby or elsewhere in Massachusetts or across the United States.

Leverage Financial Advisory serves clients throughout Massachusetts, including Wilmington and surrounding communities. We also work with clients remotely, making it convenient to receive personalized financial advice regardless of your location.

Getting started begins with scheduling a complimentary consultation. During this meeting, we'll discuss your financial goals, current financial situation, and answer any questions you have. If we're a good fit, we'll explain our planning process and outline the next steps.

Yes. We have experience helping hotel executives and hospitality professionals navigate financial decisions such as bonus compensation, retirement planning, investment management, and long-term wealth planning. Our understanding of the hospitality industry allows us to provide advice tailored to the unique challenges of the profession.

At Leverage Financial Advisory, we combine personalized financial planning with modern investment strategies to help you make confident financial decisions. As a fee-only fiduciary firm led by a CFP® professional and CMT, we provide objective advice, transparent guidance, and ongoing support tailored to your goals. Our approach is designed to be proactive, flexible, and focused on helping you build long-term financial success in today's changing financial landscape.

The firm offers ongoing investment management for an annual asset-based advisory fee, starting at 1%, billed on a quarterly basis. For individuals who do not require ongoing portfolio management, we also offer financial planning services on either an hourly basis at $300 per hour or through a subscription-based planning arrangement. Clients may also incur separate third-party expenses, such as custodian fees, mutual fund or ETF expense ratios, and transaction costs, which are independent of the firm's advisory fees.