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Tax-Efficient Retirement Planning and Investment Management for a Flat Fee

Fiduciary financial advice for diligent savers approaching retirement, already retired, or receiving equity compensation.  Based in Westford, MA but serving clients nationwide.

Discover How I Can Help

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Personalized Financial Advice
To Minimize Taxes, Avoid Costly Mistakes, Save Time, and Achieve Peace of Mind

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Comprehensive Planning

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Evidence-Based Investing

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Integrated Tax Planning

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Straightforward Pricing

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Comprehensive Planning

Together we will identify where you are today and where you want to go.  This starts with getting clarity on your goals and analyzing what you currently own, owe, earn, and spend, and determining if you are on track to meet your goals. We will incorporate future events into your plan, such as stock option vesting, health care costs, college, Social Security, pensions, and home sales/purchases.  

Evidence-Based Investments

My investment approach is aligned with academic evidence, not media hype. My focus is on building portfolios that are low cost, tax-efficient and designed to capture the returns of the global stock markets. For investment management clients I partner with Dimensional Fund Advisors (DFA), which are only available to a select group of independent advisors.  For clients who prefer to manage their own investments, I will recommend a portfolio that closely aligns with the DFA model.

Integrated Tax Planning

It's not what you earn, it's what you keep. I will recommend strategies to minimize your current and future income taxes when appropriate, such as Roth conversions, tax-loss harvesting, tax-gain harvesting, qualified charitable distributions, and tax-managed ETFs.

Transparent Pricing

As a fiduciary, HWM is required to always put clients’ interests ahead of our own. For this reason, we believe that we should only be paid directly by our clients via a flat fee or asset-based fee, not by commissions or third parties.

We help you align your resources to support the life you want through customized financial planning, tax planning, and investment strategies.

It’s time to do more with the wealth you’ve earned.

What to Expect When Working With HWM

How You & Your Wealth Will Be Cared For

My goal is to understand what matters most to you and align your investments around that. As we partner together, you will always receive data-driven, conflict-free advice. I strive to help you find clarity with a tax-efficient plan that considers your entire financial situation—and that evolves just as you do.

How You & Your Wealth Will NOT Be Cared For

I do not sell financial products to receive a commission, nor do I guide you and your family according to market hype. You will not receive a one-size-fits-all investment strategy that forgoes research and data, and you will never be treated as a number or just another client.


About You

Can I Confidently Retire?

Will the savings I've accumulated be enough to support my lifestyle if I retire soon?  How much better would I be if I work another 3 years instead?  What should I be doing now to prepare for retirement?

How Do I Optimize My Equity Compensation?

When is the best time to purchase my options?  What is the tax impact of buying and holding vs. buying and selling?  Will I be affected by AMT?

I Am Already Retired But Want A Tax-Efficient Investment Plan

I am confident that I will never run out of money, but how do I position my investments to minimize taxes and put the investment odds in my favor?

Let me help you retire early, minimize taxes, and never run out of money

Transparent Approach.
Zero-Conflict Guidance.
Custom-Made Strategies.

At one point or another, we’ve all felt money anxiety. Having worked closely with many individuals and families as an independent firm since 2014, I’m intimately familiar with the kind of financial challenges that arise as your life changes.

During our time together, I strive to be there as someone who understands the ins and outs of your financial picture and can offer meaningful insight to guide you forward.

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Explore Services Meet Ken Hoyt