Plan For It Financial is a registered investment advisor located in Salem, Massachusetts, founded in 2023 and led by Christopher Lazzaro. The firm specializes in providing comprehensive financial planning and advisory services to individuals and high-net-worth clients, operating on a fee-only basis without accepting commissions or selling investment products. Services cover a wide spectrum of personal financial topics, including cash flow and debt management, college savings, employee benefits optimization, estate planning, insurance reviews, retirement planning, risk management, and tax planning strategies. Plan For It Financial offers both ongoing financial planning arrangements and project-based engagements tailored to client-specific questions. While the firm does not manage investment portfolios directly or exercise trading authority, it provides passive, low-cost investment recommendations such as exchange-traded funds and index funds as part of its financial planning process.
Fee Structure
Plan For It Financial charges a recurring fixed fee for ongoing financial planning, paid monthly in arrears, ranging from $400 to $700 per month depending on the complexity of your situation and the resources required. This service includes continuous collaboration with a planner to develop, implement, and monitor your financial plan as your life circumstances evolve.
Additionally, establishing an ongoing plan requires an initial comprehensive planning fee ranging from $3,500 to $7,500 to cover the creation of your foundational plan.
- Comprehensive financial plan creation — $3,500 to $7,500 initial fee for building a full financial plan
- Project-based financial planning — $3,500 to $7,500 fixed fee for addressing specific financial topics or limited-scope engagements
- Hourly consulting — $350 per hour for targeted financial advice