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Financial Planners in Concord, MA: 2026 rankings

382 financial planners ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →

The short answer

  1. 1

    Highest RFA Score in Concord: Balance Wealth Advisors, RFA Score 73/100; 5.0★ from 143 Google reviews.

  2. 4

    Most-reviewed: Bank of America Financial Center, 483 Google reviews at 4.3★, the most of 382 ranked; ranked #4.

Rankings can't be bought. Financial advisors can't pay to change their rank or score. How we rank

382 Concord financial planners are ranked here by RFA Score, from eight published factors. 108 open Saturdays and 9 open Sundays, based on posted hours. The median Google rating is 4.5★ across 382 rated firms.

Top 10 financial planners in Concord at a glance

Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.

Top 10 financial planners in Concord at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Balance Wealth Advisors735.0★ (143)Wellesley, 11 mi away—Top score
2Markham Group, Inc.725.0★ (153)Leominster, 14 mi away——
3Terranova & Associates CPA, LLC724.9★ (282)Danvers, 20 mi away——
4Bank of America Financial Center704.3★ (483)Everett, 15 mi awaySatMost reviews
5McAdam Financial704.9★ (120)Boston, 17 mi away——
6Turner & Costa, P.C.704.8★ (73)Westford, 8 mi away——
7Oliver Capital Management695.0★ (31)ConcordSat · Sun · Evenings—
8Total Financial Freedom LLC695.0★ (112)Winthrop, 20 mi awayEvenings—
9SHP Financial695.0★ (50)Woburn, 10 mi away——
10Harding Financial and Insurance695.0★ (42)Burlington, 7 mi away——

All 382 financial planners in Concord, in rank order

Ordered by RFA Score, a 0–100 score from eight published factors. Paid placement never changes the order.

Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.

Scores below: based on 6 of 8 factors; registration and recency not yet collected. Hatched segments mark factors we don't have yet.

  1. Ranked #1 in Concord

    #1 Balance Wealth Advisors

    Based in Wellesley, 11 mi away

    73/100RFA Score

    Ranked #1 because of its Google rating and specialty focus: 5.0★ from 143 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 143 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    57 River St #300, Wellesley, MA 02481
    View profile for Balance Wealth Advisors(781) 431-7222

  2. #2 Markham Group, Inc.

    Based in Leominster, 14 mi away

    72/100RFA Score

    Ranked #2 because of its Google rating and specialty focus: 5.0★ from 153 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 153 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    20 Central Ave #2, Ayer, MA 01432
    View profile for Markham Group, Inc.(978) 772-0800

  5. #5 McAdam Financial

    Based in Boston, 17 mi away

    70/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 4.9★ from 120 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 120 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    101 Federal St Suite 1900, Boston, MA 02110
    View profile for McAdam Financial(857) 263-7759

  6. #6 Turner & Costa, P.C.

    Based in Westford, 8 mi away

    70/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 4.8★ from 73 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 73 Google reviews
    Hours
    Mon–Thu 8 AM–5 PM · Fri–Sun closed
    Address
    190 Littleton Rd, Westford, MA 01886
    View profile for Turner & Costa, P.C.(978) 692-3291

  9. #9 SHP Financial

    Based in Woburn, 10 mi away

    69/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 5.0★ from 50 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 50 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    400 Tradecenter Dr Ste 7810, Woburn, MA 01801
    View profile for SHP Financial(508) 746-2400

  12. #12 Alpha Taxes

    Based in Medford, 13 mi away

    68/100RFA Score

    Ranked #12 because of its Google rating and specialty focus: 4.8★ from 66 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 66 Google reviews
    Hours
    Mon–Fri 10 AM–6 PM · Sat–Sun closed
    Address
    394 Main St, Medford, MA 02155
    View profile for Alpha Taxes(781) 393-0101

  15. #15 Spano Dawicki & Witt

    Based in Saugus, 17 mi away

    68/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 4.9★ from 72 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 72 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    605 Broadway 2nd Floor, Saugus, MA 01906
    View profile for Spano Dawicki & Witt(781) 231-7800

  16. #16 Acacia Insurance, Inc.

    Based in Waltham, 7 mi away

    68/100RFA Score

    Ranked #16 because of its Google rating and specialty focus: 4.8★ from 38 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 38 Google reviews
    Hours
    Mon–Thu 8:30 AM–4:30 PM · Fri 8:30 AM–4 PM · Sat–Sun closed
    Address
    200 5th Ave Ste 4010, Waltham, MA 02451
    View profile for Acacia Insurance, Inc.(508) 653-1600

  19. #19 Boston Retirement Group

    Based in Waltham, 8 mi away

    67/100RFA Score

    Ranked #19 because of its Google rating and specialty focus: 5.0★ from 29 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 29 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    130 Turner St Bldg 3 Suite 620, Waltham, MA 02453
    View profile for Boston Retirement Group(617) 362-0155

  21. #21 Beacon Pointe Advisors

    Based in Boston, 9 mi away

    67/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 5.0★ from 31 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 31 Google reviews
    Hours
    Mon–Wed 9 AM–5 PM · Thu 9 AM–7 PM · Fri 9 AM–5 PM · Sat–Sun closed
    Address
    134 Rumford Ave #203, Auburndale, MA 02466
    View profile for Beacon Pointe Advisors(617) 630-4978

  24. #24 Savant Wealth Management

    Based in Westwood, 17 mi away

    67/100RFA Score

    Ranked #24 because of its Google rating and specialty focus: 5.0★ from 47 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 47 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    100 Lowder Brook Dr Ste 1000, Westwood, MA 02090
    View profile for Savant Wealth Management(781) 255-0214

Financial planners ranked #26 to #50

#1 to #25 are shown in full above. Here are #26 to #50, in RFA Score order; each links to its profile. We publish the top 50 of 382 ranked financial planners here; the rest are on their profiles.

financial planners in Concord, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Morton Financial Advice675.0★ (35)12 mi
27First Command Financial Advisor - Dan Ferris665.0★ (24)8 mi
28Beacon Pointe Advisors664.8★ (26)7 mi
29Trust Bookkeeping665.0★ (72)24 mi
30Bank of America (with Drive-thru ATM)664.1★ (171)17 mi
31The Clifford Group LLC665.0★ (25)10 mi
32ClearPath Financial Partners665.0★ (41)17 mi
33Sentinel Group664.1★ (113)14 mi
34Carolyn Nolan - Private Wealth Advisor, Ameriprise Financial Services, LLC665.0★ (26)11 mi
35Salem Five Bank664.6★ (39)12 mi
36Coromandel Wealth Strategies654.9★ (20)7 mi
37Imperia Wealth Management655.0★ (55)23 mi
38Generations Retirement Group655.0★ (52)23 mi
39Bank of America Financial Center654.0★ (146)16 mi
40OpenRoad Wealth Advisors655.0★ (35)17 mi
41First Command Financial Advisor - Kristina Patt655.0★ (17)8 mi
42MapleRock Wealth Management - Ameriprise Financial Services, LLC655.0★ (23)11 mi
43Beyond Your Hammock654.9★ (33)17 mi
44Balanced Rock Investment Advisors655.0★ (29)17 mi
45Salem Five Bank654.3★ (42)12 mi
46TNG Private Wealth - Ameriprise Financial Services, LLC655.0★ (19)11 mi
47Stoddard Financial, LLC655.0★ (33)19 mi
48Edelman Financial Engines644.8★ (16)8 mi
49LA Legacy Financial, LLC645.0★ (13)7 mi
50Salem Five Bank644.6★ (17)8 mi

Also serving Concord

20 more financial planners within 25 mi that we can't rank yet: too few reviews, or a specialty we couldn't confirm. Listed A to Z.

Unranked financial planners serving Concord
BusinessGoogle ratingDistance
ABCIn Concord
Adrian Loring Advisors LLCIn Concord
Aegis Retirement PartnersIn Concord
Ameriprise Financial: Winter K5.0★ (2)5 mi
COMPASS Wealth Management, LLCIn Concord
David KnottIn Concord
DWA & Company, CPAs4.8★ (77)In Concord
Erin Sullivan - Financial Advisor, Ameriprise Financial Services, LLCIn Concord
Esmeralda PjetriIn Concord
Gavin & Dolliver Wealth Advisors - Ameriprise Financial Services, LLC1.0★ (1)In Concord
Heritage Financial Network IncIn Concord
Meeting House Capital, LLCIn Concord
Monument Group Wealth Advisors, LLC5.0★ (1)In Concord
Municipal Market AdvisorsIn Concord
Neumeier Capital Management, Inc.In Concord
Robert Dolliver - Private Wealth Advisor, Ameriprise Financial Services, LLCIn Concord
Senes & Chwalek Financial Advisors5.0★ (2)In Concord
Shoemaker Robert WIn Concord
Thompson Wealth Management LtdIn Concord
Tisdale CPAIn Concord

How we ranked Concord financial planners

We scored 382 Concord financial planners on eight factors, weighted as shown. A firm is ranked when its specialty is confirmed and it has 3 or more Google reviews or a claimed profile. A firm with no Google reviews scores zero on rating, review volume and recency. Other unknown factors are left out, not counted as zero. Scores last refreshed November 9, 2026.

Paid placement never changes a rank or score. Sponsored businesses are paid, labelled, limited to 3 and shown above the ranking, outside it.

Read the full method: formula, sources and exclusions

RFA Score factors and weights
FactorWeightComputed fromIn Concord data
Reputation30%Google star rating, adjusted for how many reviews back it (client experience, not investment results)Measured
Registration20%Active SEC, state or Canadian securities registration matched in public records (not yet measured)Not yet collected
Review volume10%Number of Google reviews, compared with the most-reviewed firm on the listMeasured
Recency5%Share of reviews from the last 12 monthsNot yet collected
Specialty focus15%How clearly the firm offers this specialty (its Google category and name)Measured
Proximity5%Based in the city scores highest, less the farther away it isMeasured
Claimed profile10%The firm has claimed its Ranked Financial Advisors profile (free or paid earn the same)Measured
Partnered5%The firm links to Ranked Financial Advisors from its own website with our badge, checked periodicallyMeasured

How to choose a financial planner

  1. Confirm the financial planner and the firm are registered: Investor.gov and FINRA BrokerCheck in the US, the CSA National Registration Search in Canada. Read any disclosure events.
  2. Ask whether they act as a fiduciary on your account at all times, and get the answer in writing.
  3. Ask how they are paid: a percentage of assets, flat or hourly fees, a retainer, commissions, or a mix. Each creates different conflicts of interest.
  4. Read the firm’s Form CRS and Form ADV Part 2A brochure (fees, services, conflicts, disciplinary history) before you sign.
  5. Check designations with the body that grants them, such as the CFP Board for CFP® professionals.
  6. Ask about account minimums and who holds your money: your assets should sit with an independent custodian in your name.
  7. Compare at least two or three firms, and be wary of anyone who promises returns or pushes you to decide quickly.

Questions to ask a financial planner

  • Are you a fiduciary for all of the advice you give me, and will you put that in writing?
  • How are you paid, in total dollars per year for an account like mine? Do you earn commissions or other payments from product providers?
  • Which registrations and designations do you hold, and where can I verify them?
  • Who will hold my assets, and how will I see statements directly from that custodian?
  • What services are included in your fee, and what would cost extra with you as my financial planner?
  • Do you have a minimum account size or minimum fee?
  • Have you or your firm had any complaints or disciplinary actions? Where would I see them?
  • How often will we meet, and who will I work with day to day?
  • What happens to my plan or accounts if you retire or leave the firm?

Terms explained

Fiduciary
Someone legally required to act in a client’s interest. In the US, registered investment advisers owe their clients a fiduciary duty of care and loyalty under the Investment Advisers Act of 1940.
Registered investment adviser (RIA)
A firm registered with the SEC or a state securities regulator to give investment advice for pay. Most firms managing $100 million or more register with the SEC; smaller firms usually register with their state.
Investment adviser representative (IAR)
A person who gives advice on behalf of a registered investment adviser, usually registered with the states where they work.
Broker-dealer
A firm that buys and sells securities for customers. US broker-dealers are members of FINRA; their registered representatives typically earn commissions.
Regulation Best Interest (Reg BI)
The SEC rule, in force since June 30, 2020, requiring broker-dealers to act in a retail customer’s best interest when recommending a security or account type.
Form ADV
The registration form every investment adviser files. Part 1 holds facts about the firm; Part 2A, the brochure, describes services, fees, conflicts of interest and disciplinary history in plain English.
Form CRS
A short relationship summary that advisers and broker-dealers give retail investors, covering services, fees, conflicts, standard of conduct and disciplinary history.
CRD number
The Central Registration Depository number FINRA and the SEC assign to each firm and registered person; use it to look them up on Investor.gov or BrokerCheck.
Assets under management (AUM) fee
A yearly fee set as a percentage of the money an advisor manages for you. Advisor surveys have put the median around 1% on accounts up to $1 million, lower on larger accounts.
Fee-only
An advisor paid only by clients, with no commissions or other payments from product providers.
Fee-based
An advisor who charges client fees and may also earn commissions on some products. It is not the same as fee-only.
CFP® professional
A person certified by the CFP Board after meeting education, exam, experience and ethics requirements. The CFP Board requires them to act as a fiduciary when giving financial advice.

Financial planners in Concord: frequently asked questions

Which financial planner has the highest RFA Score in Concord?

By RFA Score, the highest-ranked financial planner in Concord, MA is Balance Wealth Advisors with an RFA Score of 73/100. It has 5.0★ from 143 Google reviews. Markham Group, Inc. (#2) and Terranova & Associates CPA, LLC (#3) follow. We ranked 382 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Concord?

RankedFinancialAdvisors ranks 382 financial planners serving Concord, MA. 1 of them is based in Concord; the rest serve it from nearby towns. Another 20 within 25 mi are listed but not ranked yet. Counts are as of November 2026.

Which financial planners in Concord work on weekends?

108 of 382 ranked financial planners post Saturday hours and 9 post Sunday hours. The highest-ranked open Saturdays are Bank of America Financial Center (#4), Oliver Capital Management (#7) and NJB Accounting Solutions, LLC (#13). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Concord financial planners have?

The median Google rating among 382 rated financial planners in Concord is 4.5★, with a median of 15 reviews. Bank of America Financial Center has the most, 483 reviews, and ranks #4. We adjust ratings for review count, so a few five-star reviews cannot top the list.

How does RankedFinancialAdvisors rank financial planners?

Each financial planner gets a 0–100 RFA Score from eight published factors, led by reputation (30%), specialty focus (15%), review volume (10%) and claimed profile (10%). A firm with no Google reviews scores zero on rating, review volume and recency; other factors we cannot measure are left out. Only firms with a confirmed specialty and 3 or more reviews, or a claimed profile, are ranked.

Do financial planners outside Concord count in this ranking?

Yes, if they are within 25 mi of the Concord city center, our service radius for financial planners. Each listing shows where the firm is based and how far away it is. Proximity is 5% of the RFA Score, so a nearby firm gets a small edge.

Can financial planners pay to rank higher on RankedFinancialAdvisors?

No. The RFA Score never reads payment status, and this ranking has 0 paid placements. Up to 3 Featured firms may appear above the list, labelled Sponsored and showing their honest rank.

What does a financial planner do?

Financial planners build a written plan across a client’s goals: cash flow, savings, investments, insurance needs, taxes, retirement and estate. Many charge a flat or hourly fee for the plan, an ongoing retainer, or a share of the assets they manage.

How are financial planners in Concord ranked?

By RFA Score: public signals such as the Google rating and review count, how clearly the firm offers financial planning and how close it is. Paid placements never change the order, and the score does not measure investment performance.

How do I check a financial planner’s registration and record?

Search the person and the firm on Investor.gov (the SEC’s adviser search) and on FINRA BrokerCheck. A firm’s Form ADV and any disciplinary history are public there.

Is every financial planner in Concord a fiduciary?

Not necessarily. Investment adviser representatives owe a fiduciary duty on advisory accounts; broker-dealer representatives follow Regulation Best Interest when they recommend a security. Ask which applies to your account and read the firm’s Form CRS.

How much do financial planners charge?

Fees depend on the firm and the service: a percentage of assets managed each year, a flat or hourly planning fee, a retainer, or commissions. Ask for the fee schedule in writing and read the firm’s Form ADV Part 2A brochure or, in Canada, its relationship disclosure.

Update log for Concord

  1. November 2026: RFA Scores recalculated for 382 financial planners serving Concord.
  2. November 2026: 4 duplicate listings merged.

More financial planners and Concord pages