First Step Financial fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed February 27, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$54⁠-⁠$180/hr

“The negotiated hourly fee for ad-hoc services is between $54 and $180.”

Flat or project fee

$540⁠-⁠$1,800

“The negotiated fixed rate for creating client financial plans is between $540 and $1,800.”

Monthly fee

$36⁠-⁠$180/mo

“The negotiated fixed rate for subscription services is between $36 and $180 per month.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How First Step Financial bills

Payment and refund terms, quoted from the fee section of the brochure.

• “Clients may terminate the agreement without penalty, for full refund of FSF’s fees, within five business days of signing the Subscription Agreement.”
• “Fixed and hourly financial planning fees are paid in arrears upon completion.”
• “If service is terminated prior to completion of the financial planning services, then Client will be responsible for paying the prorated fee for work completed but unpaid (if any) at the time termination becomes effective.”

How First Step Financial’s fees compare

• Its hourly rate of $54-$180 is below the Massachusetts median of $300. 2% of the 183 other Massachusetts planners that publish an hourly rate charge less.
• None of the 12 other planners in Boston that publish an hourly rate charge less.
• Its flat or project fee of $540-$1,800 is below the Massachusetts median of $4,750. 8% of the 158 other Massachusetts planners that publish a flat or project fee charge less.
• None of the 13 other planners in Boston that publish a flat or project fee charge less.
• It doesn't charge a percentage of the assets it manages, so its fee won't grow with your portfolio.

About First Step Financial

• Solo practice: one person runs the firm, so you work directly with the planner.
• Registered as an adviser: 2025.

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees

Charges a % of assets

No

Employees

1

Services reported to regulators

Financial planning and other services

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

338541

Website

firststepfinancial.io (opens in new tab)

Phone

(617) 297-7431

Other planners in Boston that publish fees

• Atwater Wealth Management, Inc.Boston$2,500⁠-⁠$10,000
• Beyond Your Hammock LLCBoston$500⁠-⁠$8,000, $300⁠-⁠$2,000/mo
• Bowditch Advisory Services, LPBoston$225/hr
• Brave Boat Capital AdvisorsBoston$1,000⁠-⁠$30,000
• Choate Investment AdvisorsBoston$525⁠-⁠$1,750/hr, $1,000⁠-⁠$2,500
• Claro Advisors Inc.Boston$500⁠-⁠$2,500

Compare all 47 planners in Boston