Boston, MA Office

MacDougall Financial Counseling provides comprehensive financial planning and portfolio management primarily for individual clients, trusts, charities and occasional organizations, serving both non‑HNW and high‑net‑worth households. The firm offers advice on asset allocation, manager selection, tax and estate planning, insurance coverage and related financial questions.

The firm implements portfolios largely through no‑load mutual funds and exchange‑traded funds, favoring funds with multi‑year track records, competitive expense ratios and diversification across capitalization and geography; most portfolios have an equity bias while fixed income exposure is achieved through bond funds from established managers. It generally operates with discretionary authority while notifying clients of recommended changes, accommodates investment restrictions, and provides semi‑annual performance reviews.

Noteworthy for a small advisory team, the firm manages roughly $425 million of client assets and several hundred accounts, producing a relatively high assets‑under‑management load per advisor compared with many peers. The firm also has an insurance brokerage relationship and, on occasion, accepts commissions for life insurance sales (clients may decline such commissions), a practice that is less common among fee‑focused advisers.