Philosophe Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
0
Very LowAverage account size
—
About
Philosophe Financial provides fee-only financial planning and non-discretionary investment advisory services to individuals and households. The firm’s offerings include written financial plans and advice on portfolio construction, asset allocation, individual security selection, and periodic rebalancing.
The firm operates primarily on an hourly and pre-purchased planning time basis and describes itself as a fiduciary for all clients, including those with employer‑sponsored retirement accounts. Advice is grounded in publicly available research and tailored to clients’ goals, risk tolerance, and time horizon, while clients retain execution authority and custody of assets.
Noteworthy aspects of the firm include its reliance on hourly and fixed pre-purchased planning arrangements rather than commissions, and its provision of individualized portfolio recommendations (including discussion of select private investments) without accepting discretionary trading authority or serving as a private‑fund adviser. The brochure also discloses adherence to the NAPFA Code of Ethics and that the firm’s principal maintains a separate full‑time consulting role, which may be relevant to staffing and availability.
Client services
Financial planning
Portfolio management
Non-discretionary investment advisory services
Non-discretionary investment advisory services
Expertise
General retirement planning
Early retirement planning
Retirement income strategy
Tax-loss harvesting
Real estate investing
Fee options
Standard hourly rate $150 per hour; discounted effective hourly rate between $100 and $150 per hour for pre-purchased planning time arrangements
Minimum fee: Initial deposit or planning fee of $50 Fee-only: Fee-only financial planning and investment advisory services, no commissions or sales-based compensation
Main office location
Philosophe Financial
Wayland MA, United States
Number of offices
1
Most active in
Philosophe Financial has reported serving >5 clients in these states in the last 12 months.
Massachusetts
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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