2 advisors in Massachusetts whose Advicer.bio page says they work with people retiring early. See all 33 across the US.
Retiring before 60 means paying for health insurance before Medicare, getting money out of retirement accounts before 59½ without penalties, and making savings last longer. It takes a plan for taxes and withdrawals.
Updated from SEC filings
Find advisors who fit everything about you →Advisors: this page's sponsored spot is open. Own this niche →
1 match
Every advisor in Massachusetts: Find an advisor in Massachusetts.
Do you work with people retiring early? Pick it under “Who I work with” on your Advicer.bio page to be listed here. It's free. Want to be the first advisor people see on this page? Sponsor it.
The moments that most often bring people retiring early to a financial advisor, and what's at stake in each.
Usually there's a 10% penalty, but there are exceptions, such as the rule of 55 for leaving a job in or after the year you turn 55, a series of equal payments (72(t)), and Roth IRA contributions, which can come out any time. Each has conditions.
Look them up on the SEC's Investment Adviser Public Disclosure site (IAPD), linked from each advisor here, or on FINRA BrokerCheck. Both show where they've worked, their registrations and exams, and any customer complaints or disciplinary actions.
A fee-only advisor is paid only by their clients, through a percentage of the assets they manage, a flat or subscription fee, or an hourly rate. They don't earn commissions on products they sell. "Fee-based" is different: it usually means fees plus commissions.
Someone certified by the CFP Board after finishing college-level coursework in financial planning, passing the CFP® exam, gaining years of relevant experience, and agreeing to its ethics standards, including acting as a fiduciary when giving financial advice.
An advisor who's legally required to put your interests first. Registered investment advisers owe their clients a fiduciary duty under federal law. Brokers follow a separate "best interest" rule when recommending investments. Ask whether an advisor is a fiduciary for all your accounts, all the time, and get the answer in writing.
Usually one of four ways: a percentage of the assets they manage each year, a flat or subscription fee, an hourly rate, or commissions on the products they sell. Some combine them. Each one changes what you pay and can change what they recommend.
The form every registered investment advisory firm files with the SEC or its state. Part 2, the brochure, explains in plain language the firm's services, fees, conflicts of interest and disciplinary history. You can read it on the SEC's IAPD site.
Check their record, read their firm's brochure, and ask how they're paid. Then ask who they usually work with, what's included, and how often you'll talk. A first meeting is usually free, and it's fine to talk to more than one advisor.
Are you an advisor? Claim your page so people looking for an advisor near you can reach you. It's free.
Browse every state at Find an advisor.