Kochevar Financial Planning, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Kochevar Financial Planning is a small independent advisory firm that serves individuals, trusts and estates, businesses, and charitable organizations through broad-based financial planning. The firm’s described services include cash‑flow and debt management, retirement and estate planning, college funding, risk‑management advice, investment consultation, and tax return preparation.
The firm’s investment approach favors long‑term, buy‑and‑hold portfolio construction informed by Modern Portfolio Theory and fundamental analysis, with a preference for diversified, cost‑efficient index funds and ETFs where appropriate. It provides investment consultation and helps clients develop investment policy statements, but does not provide ongoing portfolio management or daily trade supervision; accounts remain at third‑party custodians and client approval is required for transactions.
Noteworthy for a solo independent adviser, the firm does not manage client portfolios directly and does not use percentage‑of‑assets‑under‑management fees, reporting no client assets under its management and instead charging negotiated annual fees. The practice also integrates tax return preparation and coordination with other professionals, and the principal’s combined medical/academic background alongside CFP and tax credentials is an atypical profile for a firm of this size.
Client services
Expertise
Fee options
Minimum fee: Annual fees typically range from $2,500 to $25,000 depending on scope and complexity Fee-only: Fees based on a formula combining (1) base fee related to planned meeting time at $400 per hour; (2) up to 0.5% of current total annual household income; (3) up to 0.5% of total marketable assets
Main office
Grafton MA
Advisors at this office
1
Most active in
Massachusetts
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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