Philosophe Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Philosophe Financial provides fee-only financial planning and non-discretionary investment advisory services to individuals and households. The firm’s offerings include written financial plans and advice on portfolio construction, asset allocation, individual security selection, and periodic rebalancing.
The firm operates primarily on an hourly and pre-purchased planning time basis and describes itself as a fiduciary for all clients, including those with employer‑sponsored retirement accounts. Advice is grounded in publicly available research and tailored to clients’ goals, risk tolerance, and time horizon, while clients retain execution authority and custody of assets.
Noteworthy aspects of the firm include its reliance on hourly and fixed pre-purchased planning arrangements rather than commissions, and its provision of individualized portfolio recommendations (including discussion of select private investments) without accepting discretionary trading authority or serving as a private‑fund adviser. The brochure also discloses adherence to the NAPFA Code of Ethics and that the firm’s principal maintains a separate full‑time consulting role, which may be relevant to staffing and availability.
Client services
Expertise
Fee options
Standard hourly rate $150 per hour; discounted effective hourly rate between $100 and $150 per hour for pre-purchased planning time arrangements
Minimum fee: Initial deposit or planning fee of $50 Fee-only: Fee-only financial planning and investment advisory services, no commissions or sales-based compensation
Main office
Wayland MA
Advisors at this office
1
Most active in
Massachusetts
Also doing business as
Philosophe Financial · Philosophe Ventures 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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