Full Life Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Full Life Financial Planning is an independent, fee‑only advisory firm that serves individuals (including high‑net‑worth clients) and corporate clients, managing roughly $22 million across a limited number of client relationships. It offers ongoing wealth management through an Empower Program, ongoing and limited‑scope financial planning via Elevate and Explore programs, and separate tax preparation, accounting, and bookkeeping services.
The firm follows an advice‑driven, goal‑based process that begins with client interviews to establish objectives and an investment policy, then implements target asset allocations using a mix of passive and active strategies informed by Modern Portfolio Theory. Clients receive written financial plans, ongoing monitoring and quarterly reviews, may impose reasonable investment restrictions, and can request socially responsible (ESG) portfolio construction.
What is notable in the brochure is the principal’s combined CPA and CFP credentials and the explicit in‑house offering of tax preparation and bookkeeping—services that the firm may provide pro‑bono in certain cases. The formal three‑tier program structure (Empower, Elevate, Explore) accommodating one‑time limited engagements as well as ongoing discretionary management, together with a relatively high assets‑per‑client level, makes the firm operationally distinct from many peers.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Fixed fees range from $500 to $5,000 for Limited Scope Financial Planning and Tax Preparation services
$0 - $250,000: 1.50% $250,001 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.80% $3,000,001 - $5,000,000: 0.70% $5,000,001+: 0.50%
Hourly rates up to $225 for Limited Scope Financial Planning; up to $160 for Tax Preparation and bookkeeping services
Ongoing Financial Planning fees range from $500 to $5,000 per quarter, paid quarterly in arrears
Minimum fee: Minimum annual fee of $3,000 for Wealth Management Services (Empower Program); minimum one-time $500 initial plan fee and minimum $500 per quarter for ongoing Financial Planning (Elevate Program); minimum fixed fee of $500 for Limited Scope Financial Planning (Explore Program) Fee-only: Fee-only firm; no commissions or sales-related compensation received
Main office
Pembroke MA
Advisors at this office
1
Most active in
Massachusetts
Also doing business as
Full Life Financial Planning · Full Life Financial Planning, LLC
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.
Forms ADV
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