The Practical Planner, LLC is an independent, fee-only financial planning and wealth management firm serving pre-retirees, retirees, and business owners in Groton and Maynard, Massachusetts. Its Certified Financial Planners and Enrolled Agents provide comprehensive advice that integrates financial goals with investment, tax, retirement, estate, and risk-management decisions. Clients pay directly for professional services; the firm does not sell products or receive commissions for recommendations.

Services include goal setting, investment strategy and portfolio management, individual tax planning and preparation, employee-benefit guidance, retirement and income planning, insurance reviews, and estate-planning support. The firm tailors investment strategies to each client’s circumstances, including tax situation, risk tolerance, employer stock, and legacy low-basis investments. Its approach emphasizes proactive tax guidance, low-cost investments, and ongoing adjustments as clients’ goals and lives change.

The Practical Planner describes itself as a fiduciary, committed to objective advice in clients’ best interests. Comprehensive financial planning and investment management require a minimum portfolio size of $2.5 million. Prospective clients may schedule a no-cost initial telephone consultation.