BG Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
BG Financial Planning provides fee-only financial planning and investment advice to individuals and small businesses through limited-scope and comprehensive planning engagements billed on an hourly basis. The firm does not take custody of client assets and does not provide ongoing discretionary portfolio management.
The firm follows a long-term, fundamental buy-and-hold philosophy and commonly uses a core-and-satellite approach, recommending diversified asset allocations filled primarily with low‑cost index funds and ETFs and suggesting annual rebalancing. Engagements are consultative: the adviser gathers client financial data, delivers written recommendations, and—if the client elects—assists with implementation under a limited trading authorization.
Compared with many peers, BG Financial Planning’s reliance on hourly billing and its explicit absence of percentage‑of‑AUM or performance-based fees is a notable departure from common industry practice. It operates as a solo, fee-only practice led by a CFP certificant, does not accept commissions or soft‑dollar arrangements, and directs clients to maintain assets with independent custodians.
Client services
Expertise
Fee options
$275 per hour for financial planning, limited scope engagements, and implementation help
Fee-only: Hourly fee of $275 per hour for financial planning services and implementation help
Main office
382 Lowell Street, Suite 204 A
Wakefield MA 01880
Advisors at this office
1
Most active in
Massachusetts · New Hampshire
Also doing business as
Bg Financial Planning · Rando, Ianka Tocheva · Tocheva, Ianka Tzvetanova
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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