McGovern Financial Advisors, LLC
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
McGovern Financial provides fee-only, advice-only financial planning and investment advisory services to individuals and families, with an emphasis on retirement income and investment planning. Client engagements cover cash flow and debt management, tax and estate planning, Social Security optimization, asset allocation, investment selection, and occasional group educational workshops.
The firm follows a fundamental, long-term buy-and-hold investment philosophy that emphasizes asset allocation as a primary determinant of portfolio outcomes, using publicly available research, computerized asset-allocation models, and subscription services. McGovern does not take discretionary trading authority and clients retain responsibility for implementation and custody decisions.
Notably, McGovern bills clients on an hourly or flat-fee project basis rather than charging a percentage of assets under management and does not charge performance-based fees, a billing approach that is uncommon among firms in this category. The practice is led by a single CFP® professional with a lengthy background in tax and accounting publishing and academic instruction, and it operates without custody or assets under management, which distinguishes it from larger, institutionally focused investment managers.
Client services
Financial planning
Expertise
Retirement income strategy
Social Security optimization
Cash flow / budgeting
Student loan debt
General tax planning
Fee options
Flat-fee project basis: $7,000 to $8,000 for comprehensive financial plans, up to $10,000 for highly complex plans; $1,000 to $3,000 for detailed financial planning consultation on specific areas
$400 per hour
Fee-only: Flat fees ranging from $1,000 to $10,000 for financial planning projects; hourly fees of $400 per hour
Main office location
McGovern Financial Advisors, LLC
Westfield NJ, United States
Number of offices
1
Most active in
McGovern Financial Advisors, LLC has reported serving >5 clients in these states in the last 12 months.
New Jersey
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:
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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.
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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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