Think Ahead Financial Planning is a registered investment advisor founded in 2025 and led by Christopher Ellis, located in Groton, Massachusetts. The firm specializes in delivering personalized financial planning and investment advice tailored to each client's specific goals and risk tolerance. Services cover a wide array of topics including budgeting and debt management, retirement planning, college savings, investment analysis, insurance needs, and estate planning. Think Ahead Financial Planning operates as a fee-only firm, meaning compensation comes solely from client fees without any commissions or third-party product kickbacks, ensuring alignment with fiduciary obligations to act in clients' best interests. The firm offers continuous engagements, project-based limited engagements, and hourly consulting, and maintains no minimum net worth or asset requirements, making its services accessible to individuals and families at various financial stages. Think Ahead Financial Planning does not manage investment portfolios directly or take custody of client funds, instead empowering clients to implement trades independently while providing strategic guidance and passive investing recommendations focused on low-expense index funds.
Fee Structure
Think Ahead Financial Planning charges an ongoing planning fee ranging from $1,000 to $3,000 for the initial financial plan development, followed by a quarterly fee ranging from $1,000 to $3,000 paid in arrears. Fees vary based on overall complexity, net worth, and income, and include regular reviews and at least annual reassessments of your financial position.
- Project-based limited engagements — $1,000 to $5,000 depending on the scope and complexity of the specific project
- Hourly consulting — $250 per hour for specific questions or occasional guidance