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The Top Financial 8 Advisors in Waltham, MA

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Finding the Top Financial Advisor Firms in Waltham, MA 

It may be challenging to find a financial advisor in Waltham, Massachusetts. The search can involve a lot of phone calls and research into complex documents filled with financial jargon. But don’t worry. We did the hard work for you. We conducted in-depth research on such key factors as account minimums, services offered and the qualifications of the advisors they employ. Read on for the top seven financial advisor firms in the area. 

Rank Financial Advisor Assets Managed Minimum Assets Financial Services More Information
1 Ballentine Partners Ballentine Partners logo Find an Advisor

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$6,424,567,899 $3,500,000
  • Financial planning services
  • Portfolio management
  • Selection of other advisors (including private fund managers)

Minimum Assets

$3,500,000

Financial Services

  • Financial planning services
  • Portfolio management
  • Selection of other advisors (including private fund managers)
2 Argent Wealth Management Argent Wealth Management logo Find an Advisor

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$1,560,984,689 $1,000,000
  • Financial planning services
  • Portfolio management for individuals and businesses
  • Selection of other advisors

Minimum Assets

$1,000,000

Financial Services

  • Financial planning services
  • Portfolio management for individuals and businesses
  • Selection of other advisors
3 Integrated Wealth Concepts LLC Integrated Wealth Concepts LLC logo Find an Advisor

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$1,353,200,000 No set account minimum
  • Financial planning services
  • Portfolio management
  • Pension consulting services
  • Selection of other advisors

Minimum Assets

No set account minimum

Financial Services

  • Financial planning services
  • Portfolio management
  • Pension consulting services
  • Selection of other advisors
4 Montis Financial, LLC Montis Financial, LLC logo Find an Advisor

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$511,300,000 $2 million
  • Financial planning services
  • Portfolio management
  • Selection of otehr advisors

Minimum Assets

$2 million

Financial Services

  • Financial planning services
  • Portfolio management
  • Selection of otehr advisors
5 Sensible Financial Planning and Management, LLC Sensible Financial Planning and Management, LLC logo Find an Advisor

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$426,212,000 $500,000
  • Financial planning services
  • Portfolio management
  • Pension consulting services

Minimum Assets

$500,000

Financial Services

  • Financial planning services
  • Portfolio management
  • Pension consulting services
6 The Harvest Group The Harvest Group logo Find an Advisor

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$332,883,266 No set account minimum
  • Financial planning services
  • Portfolio management
  • Selection of other advisors

Minimum Assets

No set account minimum

Financial Services

  • Financial planning services
  • Portfolio management
  • Selection of other advisors
7 Aspire Wealth Management Corporation Aspire Wealth Management Corporation logo Find an Advisor

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$190,172,680 $250,000
  • Financial planning services
  • Portfolio management
  • Pension consulting services

Minimum Assets

$250,000

Financial Services

  • Financial planning services
  • Portfolio management
  • Pension consulting services

How We Found the Top Financial Advisor Firms in Waltham, MA

We began by compiling data on all financial advisor firms based in Waltham, Massachusetts and registered with the Securities and Exchange Commission (SEC). We then removed firms that have faced disciplinary action within the past 10 years. We also eliminated advisory groups that did not provide financial planning or whose client base was less than 50% individual accounts. Finally, we ranked what was left on the list, from largest to smallest, based on assets under management.

Ballentine Partners

Ballentine Partners

The top firm in Waltham is Ballentine Partners, a fee-only financial advisor managing more than $6.4 billion in assets. Clients of the firm are all high-net-worth individuals -- there are no non-high-net-worth clients or institutional clients at the firm. Part of the reason the firm has only high-net-worth clients is because it has a $3.5 million minimum account size.

There are 54 advisors on staff at the firm. The team includes many financial certifications, including 22 certified financial planners (CFPs), 13 chartered financial advisors (CFAs), three chartered alternative investment analysts (CAIAs), two certified private wealth advisors (CPWAs), three certified public accountants (CPAs), two chartered advisors in philanthropy (CAPs), one chartered financial counselors (ChFC) and one chartered retirement planning counselor (CRPC).

Fees for investment advice may be based on assets under management or charged as a flat fee. Flat fees are generally used for families with especially large and complex financial situations.

Ballentine Partners Background

Ballentine Partners was founded in 1984, making it the oldest firm on this list. In fact, it is the only firm founded before the turn of the millennium. Roy Ballentine founded the firm. Senior employees of the firm own 56$ of the equity, while Perspecta Investments LLC owns the other 44%.

Services offered include investment management, financial planning, cash flow analysis, estate planning, insurance coverage analysis, income tax planning and family office services.

Ballentine Partners Investment Strategy

Advisors at Ballentine put together portfolios taking into account asset allocation, asset location and risk management. Possible investments include cash, bonds, stocks, real estate funds, hedge funds, private equity funds, timber funds and commodity funds. A balanced portfolio that is tax-efficient is the goal.

Argent Wealth Management

Argent Wealth Management

Argent Wealth Management, LLC is a fee-only firm managing more than $1.5 billion in assets. There are 15 advisors at the firm, including five certified financial planners (CFPs), two certified public accountants (CPAs) and one accredited estate planner (AEP).

There is a minimum account size at the firm of $1 million. The majority of the clients are high-net-worth individuals, though there are also non-high-net-worth clients on the roster. Institutional clients include pooled investment vehicles, pension and profit sharing plans, charitable organizations and corporations. 

Fees for investment management are based on a percentage of assets under management. Financial planning fees are either fixed or charged hourly.

Argent Wealth Management, LLC Background

Argent was founded in 2006. The principal owner is Argent Wealth Management Inc., David M. Duchesneau and William T. Baldwin own. Minority owners include Richard D. Kahn, Jerome J. Jacobs and Joseph E. Finn.

The firm’s services include investment advice, financial planning, tax advice, consulting and trustee services.

Argent Wealth Management, LLC Investment Strategy

Clients of Argent get a portfolio put together using fundamental and technical analysis. Both long-term and short-term purchases are used. Around 47% of client money is invested in mutual funds. A further 15% is invested in stocks, plus 14% in various types of bonds. Advisors also use cash, pooled investment vehicles and annuities.

Integrated Wealth Concepts LLC

Integrated Wealth Concepts LLC

Integrated Wealth Concepts has 170 advisors on staff, by far the biggest team on this list. A full list of employees is not available, but the staff includes at least two certified financial planners, two chartered retirement plan counselors (CRPCs), two chartered  leadership fellows (CLFs), two certified financial planners (CFPs), one certified investment management analyst (CIMA), one chartered financial advisor (CFA), one certified business exit consultant (CBEC), one certified public accountant (CPA), one chartered life underwriter (CLU) and one chartered financial consultant (ChFC).

Clients of the firm include both individuals and high-net-worth individuals, with more non-high-net-worth ones. Institutional clients include pension and profit sharing plans and charitable organizations. 

Fees for investment advice are based on a percentage of assets under management, while financial planning fees are generally paid on an hourly or fixed basis. Some advisors at the firm also earn commissions for selling insurance and securities. This is a conflict of interest, but when acting as an advisor, staff must act in the clients best interest.

Integrated Wealth Concepts Background

IWC was founded in 2016. It is owned and operated by Paul Saganey and John G. Cataldo.

Services include investment management, financial planning, consulting, investment planning, retirement planning, personal savings and insurance needs.

Integrated Wealth Concepts Investment Strategy

A wide variety of analytical methods are used at IWC, including charting, fundamental analysis, tactical analysis, technical analysis, cyclical analysis, quantitative analysis, qualitative analysis, asset allocation, mutual fund analysis and criteria-based analysis. Advisors use long- and short-term purchases are used, plus trading, short sales, margin transactions, option writing and tax abatement strategies.

Montis Financial, LLC

Montis Financial, LLC

Montis Financial, LLC is a fee-only firm managing more than $511 million in assets for clients including a nearly even mix of regular individual investors and high-net-worth individuals. The only institutional clients at the firm are corporations.

There are five advisors on the team at Montis. That includes four certified financial planner (CFPs) and one chartered life underwriter (CLU).

There is a minimum account size of $2 million at Montis. Fees are charged based on a percentage of assets under management for investment planning and on an hourly basis for financial planning.

Montis Financial, LLC Background

Montis was founded in 2012. Christopher Dalto, Montis Financial president, owns the firm.

Services offered at Montis include comprehensive planning, asset management, trusts, retirement plans and portfolio monitoring services.

Montis Financial, LLC Investment Strategy

Advisors at Montis use a variety of research materials to build portfolios. Around 80% of client money is invested in mutual funds. The rest is split between stocks, bonds and cash or cash equivalents. The individual strategies that each client uses are based on the goals and objectives stated to the advisors during their consultation.

Sensible Financial Planning and Management, LLC

Sensible Financial Planning and Management, LLC

Sensible Financial Planning and Management, LLC is a fee-only firm managing more than $426 million in assets. Clients of the firm include both regular individual investors and a smaller but still substantial roster of high-net-worth investors. Charitable organizations are the only institutional clients at the firm.

There are eight advisors on staff at Sensible, including five certified financial planners (CFPs), one chartered financial advisor (CFA) and one retirement management advisor (RMA). The firm’s minimum account size is $500,000.

Fees for investment management are based on a percentage of assets under management, while fees for financial planning are a flat rate between $5,000 and $7,000.

Sensible Financial Planning and Management, LLC Background

The firm was founded in 2005. The majority owner is Frederick Hotchkiss Miller, Jr.

Services offered by the firm include financial planning, investment management, retirement planning, risk management, insurance, college savings, cash flow, debt management, work benefits, estate planning and incapacity planning.

Sensible Financial Planning and Management, LLC Investment Strategy

Advisors at Sensible make investment recommendations based on return and risk forecasts for various asset classes. Portfolios are built to maximize returns given the level of risk and volatility a client is willing to take on. For clients that want a specific income level in their post-retirement years, TIPS (Treasury Inflation Protected Securities) are built to provide that income.

The Harvest Group

The Harvest Group

The Harvest Group is a fee-based firm with five advisors on staff. The team includes three certified financial planners (CFPs), three chartered retirement planning counselors (CRPCs), one chartered market technician (CMT), one certified investment management analyst (CIMA) and one certified divorce financial analyst (CDFA).

The firm manages more than $332 million in assets. The clients of Harvest are mostly non-high-net-worth individuals, with some high-net-worth clients as well. Institutional clients include pension and profit sharing plans and corporations. There is no minimum account size.

Wealth management fees are based on a percentage of assets under management while financial planning fees have a flat rate. Some advisors at the firm earn commissions for selling securities. This is a conflict of interest, but all must act in the best interest when serving as an advisor. 

The Harvest Group Background

The Harvest Group was founded in 2016. It is wholly owned by Laurie Ingwersen and Roger Ingwersen. 

Services at Harvest include wealth management, financial planning, business planning, cash flow forecasting, trust and estate planning, financial reporting, investment consulting, insurance planning, charitable giving, distribution planning, retirement planning, tax planning and risk management.

The Harvest Group Investment Strategy

Modern Portfolio Theory is the basis of the investment strategy at Harvest. This involves building a portfolio that seeks to maximize returns for a given risk level. The firm invests in a fairly mix of cash and cash equivalents, stocks and mutual funds. Some money is also invested in bonds.

Aspire Wealth Management Corporation

Aspire Wealth Management Corporation

Aspire Wealth Management Corporation is a fee-only advisor with more than $190 million in assets management. Clients of the firm are mostly regular individual investors, with some high-net-worth clients as well. The only institutional money comes from pension and profit sharing plans. 

There are three advisors on staff at Aspire. The team includes two certified financial planners (CFPs) and one accredited investment fiduciary (AIF). The minimum account size is $250,000.

Fees for asset management are based on a percentage of assets under management while fees for financial planning are fixed. 

Aspire Wealth Management Corporation Background

The firm was founded in 2012. It is owned and operated by founder and CEO Mark Khozozian and president and CCO William D’Agostino.

Aspire’s services include asset management, financial planning, college funding, retirement planning, tax planning, insurance and retirement plan advisory services.

Aspire Wealth Management Corporation Investment Strategy

Aspire advisors use mostly publicly available research materials to figure out which investments it will make with client money. Nearly all of the investments are in mutual funds -- around 90%. Stocks make up 6% of the investments and the rest is split between cash, structured notes, real estate investment trusts (REITs) and bonds.

How Many Years $1 Million Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about cost of living in retirement there.

Least
Most
Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology SmartAsset calculated the average cost of living for retirees in the largest U.S. cities. Using that calculation, we determined how many years $1 million would last in retirement in each major city.

First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors throughout the country. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city.

We assumed the $1 million would grow at a real return (interest minus inflation) of 2%, reflecting the typical return on a conservative investment portfolio. Finally, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would last in each of the cities in our study.

Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research