Financial Planning Built for High-Earning Professionals
You've worked hard to build a successful life. Your career is thriving, you're saving and investing, and you're making thoughtful decisions for your family.
But as life becomes more complex, it’s easy for your financial picture to feel like a collection of moving parts instead of a coordinated plan. My role is to bring those pieces together so you can make decisions with clarity and confidence.
Financial Planning Built for High-Earning Professionals
You've worked hard to build a successful life. Your career is thriving, you're saving and investing, and you're making thoughtful decisions for your family.
But as life becomes more complex, it’s easy for your financial picture to feel like a collection of moving parts instead of a coordinated plan. My role is to bring those pieces together so you can make decisions with clarity and confidence.
Does This Sound Like You?
Many of Mike’s clients are in their 40s and 50s, well into successful careers and earning strong incomes. They’ve accumulated retirement accounts, taxable investments, employee stock compensation, and other financial opportunities, but they haven’t necessarily had the time to step back and build a cohesive strategy around them.
For many, life has become more financially complex. A spouse or partner may have an equally demanding career and their own compensation package. Children are growing up, college is becoming a real expense, and important financial decisions seem to multiply each year. While they’re doing well by most measures, many share the feeling that their finances have become more complicated than organized. They’re not starting from scratch, they’re looking for clarity, confidence, and a plan that keeps pace with the life they’ve built.
If that sounds like you, you’re in the right place.
You Might Be a Great Fit If...
These aren’t requirements. They’re patterns, and the more of them that resonate, the more likely we’re going to work well together.
- You have RSUs, ISOs, or an ESPP and you're not sure what to do when they vest
- You have a 401(k) from a previous employer that's just sitting idle
- You and your partner have never sat down and made a real financial plan together
- You're not sure if you have enough life insurance, or the right kind
- You have kids and you've thought about college savings but haven't done much about it
- You worry about taxes but don't have a clear strategy beyond hoping your accountant has it under control
- You've been meaning to update your will and beneficiary designations for years
- Your household income is $300K or more, or your investments are approaching or past $1M
- You want someone to tell you honestly where you stand, not sell you something
You Might Be a Great Fit If...
These aren’t requirements. They’re patterns, and the more of them that resonate, the more likely we’re going to work well together.
- You have RSUs, ISOs, or an ESPP and you're not sure what to do when they vest
- You have a 401(k) from a previous employer that's just sitting idle
- You and your partner have never sat down and made a real financial plan together
- You're not sure if you have enough life insurance, or the right kind
- You have kids and you've thought about college savings but haven't done much about it
- You worry about taxes but don't have a clear strategy beyond hoping your accountant has it under control
- You've been meaning to update your will and beneficiary designations for years
- Your household income is $300K or more, or your investments are approaching or past $1M
- You want someone to tell you honestly where you stand, not sell you something
MFA Clients
Mike’s clients come from different industries and life stages, but they tend to have a few similarities.
A Typical Morton Financial Advice Client
- Household Income: Typically $300K or more
- Investment Assets: Typically $1M – $20M
- Life Stage: Late 30s to mid-50s
- Family Situation: Married or partnered, often with young or school-age children
- Career: Technology, biotech, engineering, finance, healthcare, or professional services
- Geography: Greater Boston, MetroWest Massachusetts, and across New England (remote clients welcome)
- Common Financial Challenges: Equity compensation decisions, tax planning, retirement planning, college savings, estate planning basics, insurance review
Whether you’re just starting to think more strategically about your finances or you’ve reached a point where the pieces have become too complex to manage on your own, financial planning can provide clarity. The goal isn’t to have everything figured out before you begin, it’s to have a trusted partner who can help you make informed decisions along the way.
A Typical Morton Financial Advice Client
- Household Income: Typically $300K or more
- Investment Assets: Typically $1M – $20M
- Life Stage: Late 30s to mid-50s
- Family Situation: Married or partnered, often with young or school-age children
- Career: Technology, biotech, engineering, finance, healthcare, or professional services
- Geography: Greater Boston, MetroWest Massachusetts, and across New England (remote clients welcome)
- Common Financial Challenges: Equity compensation decisions, tax planning, retirement planning, college savings, estate planning basics, insurance review
Whether you’re just starting to think more strategically about your finances or you’ve reached a point where the pieces have become too complex to manage on your own, financial planning can provide clarity. The goal isn’t to have everything figured out before you begin, it’s to have a trusted partner who can help you make informed decisions along the way.
Here’s what some of Mike’s clients have to say
Hank DeGroat
5 months ago
My wife and I couldn't be more pleased with our experience at Morton Financial Advice. What stood out most was the thoroughness. Mike went through every aspect of our financial life together with us, making sure nothing was overlooked. It's rare to find an advisor who genuinely welcomes a second opinion and operates with such transparency. That commitment to honesty is clearly a core value here, not just a talking point. After organizing our goals, we put together a short-term and long-term plan that left us feeling informed, confident, and truly taken care of. Highly recommend Mike and his team to anyone looking for a financial advisor they can actually trust.
Meg Lee
5 months ago
Mike Morton has been an exceptional financial planner and a steady, trusted guide as I’ve navigated important financial decisions. He brings deep expertise, clear communication, and a genuine ability to make complex topics feel understandable and manageable. I have especially appreciated his patience, responsiveness, and the thoughtful way he helps me consider both immediate questions and longer-term goals. Mike is knowledgeable without ever being overwhelming, and I always leave our conversations feeling more confident and better informed. I would recommend him highly to anyone looking for wise, personalized financial guidance.
Arielle Jennings
6 months ago
We loved working with Mike to develop a financial plan! He takes a highly relational approach to financial planning, really taking the time to understand the kind of life you want to build and shaping your financial goals around that. It never feels one-size-fits-all.
He’s also incredibly knowledgeable and always available to help, whether it’s a big decision or a quick technical question.
Working with him has given me a real sense of clarity and peace of mind. I feel confident that we have a sound plan and clear direction moving forward. Highly recommend!
Dave Murphy
7 months ago
Mike is amazing! For years my wife and I had been putting off finding someone to help us get organized. But with two kids approaching college age, we knew we couldn't afford to wait any longer. We are so glad that we found Mike! He took the time to really get to know us and our particular priorities so that he could tailor a financial plan to our needs. At each step he has explained what he is doing and how it helps us achieve our long term goals and has patiently addressed every question or concern we've had. Most importantly, we can tell how much he truly cares about us as people and not simply as clients or just account numbers. In just a short time with Mike, we've gone from being anxious and unsure about our financial future to feeling confident that we have a solid plan for success. We know we are in good hands with Mike and cannot recommend him highly enough!
William Foulsham
7 months ago
Michael Wehling
1 year ago
I found Mike through the Garrett Network after reviewing all the available advisor profiles. He clearly stood out as someone I could trust with sensitive financial information and as a steady guide during a chapter of life when the stakes felt high... ...approaching retirement and a rising junior applying to college.
Even in our first exploratory call, Mike quickly earned my confidence through his clarity, expertise, and his grounded, down-to-earth approach. He made short work of the complexity around investment accounts, taxes, and upcoming expenses, helping me focus on what truly mattered. After that first call, I had significantly less stress and a clear, actionable path forward.
Choosing to work with Mike was an easy decision, and I can say without hesitation that it was money well spent. I’d recommend him to anyone navigating a major life transition or seeking a clear-eyed view of their financial future.
Rabih Salhab
1 year ago
My wife and I had a great experience working with Mike. He spent a lot of time understanding our needs and goals, and developed a plan tailored specifically to us. He was very organized and responsive throughout the process. It was always a pleasure meeting with him and discussing our financial situation. We are very satisfied with the financial plan he created for us and would highly recommend Mike as a financial advisor.
These reviews were left on Google Reviews by current and previous clients. No reviewer was compensated.
Reviews are not representative of every client experience. To see all reviews, please visit Google Reviews.
When We're Probably Not the Right Match
Not every client is the right fit, and that’s okay. Mike is quick to say when another advisor—or a different approach—may better serve someone’s needs. Here are a few situations where that may be the case:
You’re looking for investment management, exclusively.
Mike’s practice is built around comprehensive financial planning. That means working together on investment strategy, taxes, retirement, equity compensation, cash flow, education planning, and the many financial decisions that arise over time. If you’re simply looking for someone to manage an investment portfolio, there are firms that specialize in that service alone.
You want a large firm with a local branch.
Mike’s practice is intentionally personal. There aren’t junior advisors or rotating relationship managers. Some people prefer the scale and resources of a larger firm, and that’s perfectly reasonable.
You don’t want to be involved.
The planning process is collaborative. Mike provides advice and recommendations, but the best outcomes come when clients are engaged, ask questions, and follow through on agreed-upon action items. If you’re looking for a completely hands-off relationship, his approach may not be the right match.
You need services outside Mike's scope.
Mike doesn’t try to be everything to everyone. While he works closely with accountants, attorneys, and insurance professionals as part of a client’s broader financial team, he doesn’t prepare tax returns, draft legal documents, or sell insurance products. His role is to help coordinate those conversations and ensure every piece of your financial life is working together.
When We're Probably Not the Right Match
Not every client is the right fit, and that’s okay. Mike is quick to say when another advisor—or a different approach—may better serve someone’s needs. Here are a few situations where that may be the case:
You’re looking for investment management, exclusively.
Mike’s practice is built around comprehensive financial planning. That means working together on investment strategy, taxes, retirement, equity compensation, cash flow, education planning, and the many financial decisions that arise over time. If you’re simply looking for someone to manage an investment portfolio, there are firms that specialize in that service alone.
You want a large firm with a local branch.
Mike’s practice is intentionally personal. There aren’t junior advisors or rotating relationship managers. Some people prefer the scale and resources of a larger firm, and that’s perfectly reasonable.
You don’t want to be involved.
The planning process is collaborative. Mike provides advice and recommendations, but the best outcomes come when clients are engaged, ask questions, and follow through on agreed-upon action items. If you’re looking for a completely hands-off relationship, his approach may not be the right match.
You need services outside Mike's scope.
Mike doesn’t try to be everything to everyone. While he works closely with accountants, attorneys, and insurance professionals as part of a client’s broader financial team, he doesn’t prepare tax returns, draft legal documents, or sell insurance products. His role is to help coordinate those conversations and ensure every piece of your financial life is working together.
What to Expect When You Work With Mike
Every client engagement is different, but the approach is consistent.
Start with your life, not your investments
The first conversations focus on understanding where you are today and where you want to go. That includes your career, family, goals, upcoming decisions, and the financial questions that have been weighing on you. From there, Mike gathers the information needed to build a complete picture of your finances.
Build a roadmap
Using your financial information, Mike develops a personalized plan that shows where you’re headed under different scenarios. Together, you’ll evaluate tradeoffs, identify opportunities, and prioritize the decisions likely to have the greatest long-term impact.
Talk through the strategy
Recommendations aren’t delivered as a stack of reports. Mike walks through each part of the plan, explains the reasoning behind it, answers questions, and makes adjustments as needed until you’re comfortable moving forward.
Put the plan into action
Planning doesn’t end once the recommendations are made. Mike helps coordinate implementation, tracks progress over time, and revisits the plan as your life, goals, and financial circumstances evolve.
Common Questions About Who Mike Works With
Does Morton Financial Advice have a minimum income or asset requirement?
No, Mike does not have a strict minimum. Most clients have household incomes of $300,000 or more and investment assets between $1 million and $20 million, but the more important factors are the complexity of the financial situation and the client’s readiness to engage in a real planning relationship. Anyone uncertain about fit is encouraged to reach out for an introductory conversation, which carries no cost or commitment.
What industries do most of Morton Financial Advice's clients come from?
The majority of Mike’s clients work in technology, biotechnology, engineering, finance, healthcare, and professional services. Many are employed by companies along the Route 128 and Route 495 corridors in Greater Boston and MetroWest Massachusetts, and a significant portion have equity compensation, including RSUs, stock options, or ESPPs, as part of their total compensation.
Does Mike work with clients who are just starting out financially?
Mike’s practice is best suited for clients who have already achieved real financial complexity, typically those with established careers, growing investment accounts, and multiple competing financial priorities. Clients who are early in their careers and working primarily to build an emergency fund and start retirement contributions may be better served by a firm or advisor that specializes in financial coaching or early-stage planning.
Can Mike work with clients outside of Massachusetts?
Yes. Morton Financial Advice is registered to provide investment advisory services in Massachusetts, California, Colorado, and Pennsylvania, and can serve clients in other states in certain circumstances. Mike works with many clients entirely remotely, making geography a minor factor in most cases. Clients across New England, including Connecticut, Rhode Island, Vermont, New Hampshire, and Maine, regularly engage with Mike.
Does Morton Financial Advice manage investments, or just provide financial plans?
Both. The Express and Comprehensive plans focus on financial planning (analysis, recommendations, and a written plan) without ongoing investment management. The Full Service plan includes investment management, where Mike monitors and manages client investment accounts throughout the year. Clients who want planning expertise without handing over account management can choose accordingly.
What makes Mike different from other financial advisors in Massachusetts?
Mike Morton is fee-only and fiduciary, meaning he earns no commissions and is legally required to act in the client’s best interest. He holds three professional designations: CFP®, ChFC®, and RLP®. His background includes founding and operating two technology companies, giving him firsthand understanding of equity compensation, business ownership, and the financial realities of a career in tech.
How do I know if I'm ready to work with a financial advisor?
Readiness is less about how much money you have and more about mindset. If you have financial complexity you haven’t fully addressed, equity compensation, multiple accounts, college savings, estate planning, insurance gaps, and you’re willing to engage in an honest conversation and follow through on recommendations, you’re likely ready. The introductory conversation with Mike is free and carries no obligation, and it’s the clearest way to find out if the fit makes sense.