Hirst Financial Independence Planning, Inc. is a registered investment advisor founded in 2002 and based in Fall River, Massachusetts. The firm operates strictly as a fee-only practice, meaning they do not sell commission-based products like annuities, insurance, or mutual fund shares, and do not accept referral fees. Hirst Financial Independence Planning offers two main services: comprehensive financial planning and investment management. Financial planning covers areas such as cash flow management, risk management, retirement planning, estate and charitable giving planning, and tax planning. Investment management services provide continuous portfolio oversight tailored to each client's specific risk tolerance, goals, and time horizon, utilizing individual stocks and bonds, exchange-traded funds, and mutual funds. The firm acts in a legally required fiduciary capacity to always put clients' best interests first. Additionally, leadership maintains affiliations with separate tax and legal practices, providing clients access to outside accounting and estate planning services if desired.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.80% |
| $500K - $1.0M | 1.60% |
| $1.0M - $2.5M | 1.40% |
| $2.5M+ | 1.30% |
Fees are negotiable based on aggregate related household portfolio size, family holdings, low-cost basis securities, or pre-existing relationships.