Jordan Pond.jpg
 

Plan your financial future

 

YD Financial, Inc. is a hourly and fee-only financial planning firm located in Bolton, MA. We primarily serve clients in the Boston, Worcester and metrowest area of Massachusetts, but work with individuals and families across the country. Our clients tend to be professionals and business owners that are established in their career and want to plan their future financial life, whether that is eventual retirement, a second career or service to their community through volunteer work. Because we limit the number of clients that we work with a customized plan based on your goals and dreams is established and implemented.

We are one of a small number of firms that is truly re-thinking the way one pays for financial advice and investment management. 

Hourly Based Planning

With twenty years of experience in financial services we have seen the confusion that people have about how to pay for financial advice. We are replacing the confusion with transparency and better aligning service and value. There is never commissions from product sales so you can feel confident that you are receiving objective, fiduciary advice which is defined in our Fiduciary Oath, which we sign for clients.

For new clients, we charge on an hourly basis to complete a comprehensive financial plan which will provide you with a roadmap for your financial future.* Once the plan is complete you will be billed based on when you need our help. This may be once a year for a checkup, every couple of years or when your circumstances warrant a discussion. It is entirely up to you. If you have accumulated substantial assets or could benefit from ongoing planning advice, an annual retainer could be put in place after the initial plan is completed. 

Hourly advice is billed at the firm rate of $190 an hour. We will provide you a firm quote based on your particular needs and the estimated time to complete the initial plan. You can better estimate your cost by clicking on a category below that best describes your situation.

 

If you have very specific planning questions or needs we can bill for that project. This may include benefit questions, help with investment decisions or budgeting. Inquire with us and we can let you know if Start the clock would apply. Start the clock service is billed at the firm rate of $190 / hour in 5 minute increments.

*We have long-standing client relationships that are billed differently than what is described here.

Comprehensive financial planning is a process, not an event. Our multi-step process will be tailored to your needs as we provide and in-depth review of your financial situation and provide a roadmap for your financial future. For example we have helped our clients achieve the following common goals.

Infographics_of_Wnickles_final_model01.jpg

Our financial planning process is customized for each client but this graphic gives you an idea of typical steps.

To learn more about how we work with clients and our thoughts on planning and market related topics, we encourage you to read our blog:

If you have specific questions please feel free to contact us.