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Top Financial Advisors 

Couple consulting with a female financial manager at the bank about real estate loan

What Does A Financial Advisor Do

The best time to start investing is now. With BeniGro's Financial Planner USA specialist, it's easy to get started. You can have your investment account opened in just a few minutes. Our technology will be able to tailor an ETF portfolio best suited for you regardless of your previous investment experience. After telling us about yourself, and your investment goals, an experienced financial advisor will reach out to you. Our financial advisors in Massachusetts can assist you with investing, financial planning, wealth management, insurance, medicare, and estate planning. So, stop searching for a financial advisor or planner our team is here to help with all aspects of your financial life.

Online Investing

We pride ourselves on being transparent and upfront with our pricing. We charge a very competitive annual flat fee of 0.50% on any investment portfolio. Additionally, we offer Socially Responsible Investing and Environmental, Social and Governance portfolios. These thoughtfully selected responsible portfolios each have a small additional fee. Along with easy-to-use investment technology, for this low fee you are also connected to a dedicated socially responsible Robo advisor always available to answer you're tough questions. Such a service is usually provided for a premium with many of our competitors.

About Us- BeniGro

Easily Invest Online

Through our partnerships we are proud to offer:

  • 1 Automated, low cost investing with account openings completed in minutes
  • 2 Personalized ETF portfolios for any level investor with automated tax-saving tech
  • 3 Socially Responsible and Sustainable Investments
  • 4 Opportunities to donate in the local community
  • 5 Annual Fee: 0.50%, no surprise fees or charges
  • 6 Access to our vast ecosystem of financial planning services (Financial Planning, Estate Planning, Insurance, Long Term Care, and Medicare)
What We Offer- BeniGro

Holistic Planning

Long Term Care Insurance

At BeniGro, we understand that opening an investment account is only the beginning. Investing at an early age provides you with the financial flexibility to retire sooner than you might think. From the moment you enter the world of investing up until your retirement, there are many decisions, both big and small that need to be made. Long-term investing can be unpredictable, some decisions will be well thought out whereas others may be unforeseen. For all of these situations, BeniGro is committed to helping you along the way. You will sleep easy at night knowing that our team of financial planners USA will provide the guidance and support needed so you can enjoy your life now since you are worrying less about the future.

Financial Planning

Need Help with Financial Planning?

No one knows what the future holds. There are no guarantees in life but there are many things in life that are to some degree predictable. Yet we still find excuses not to plan for them, often when we are fully capable of doing so. With the right Financial Advisor near you, one can plan for the expected and make provisions to lighten the burden of the unexpected. BeniGro’s professional team of Financial Advisors in Massachusetts will be there for every decision that has to be made, no matter what life throws at you.

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Financial Planning FAQ

Do I need a financial advisor?

A financial advisor is helpful throughout all of the stages of your financial life. As assets grow and decisions become more complex, having guidance from a trusted professional will leave you with more financial flexibility later in life. We are experienced financial advisors in Massachusetts in managing assets, estate planning, long term care, Medicare, and other areas you may not have experience in. Although you may not anticipate needing one, it is better to be prepared and in the hands of a trusted advisor.

What type of financial planner is best for me ?

The best financial planner is someone who has the education, experience, and credentials in all of the areas you’re interested in. These may include a Certified Financial Analyst (CFA), Certified Financial Planner (CFP), or a Chartered Financial Consultant (CHFC).

What is a fiduciary ?

A Fiduciary is a financial advisor with a specific license to practice with the state or federal government. This is not an educational credential, but a regulatory status. It simply means that the financial advisor is responsible and qualified to put the best interest of their clients first.

What are the fees for a financial advisor in Massachusetts?

Financial dvisors are usually paid through monthly or yearly subscriptions. Additionally, they can require ancillary fees for asset management, financial advice or insurance products. All fees are set up on a personalized plan with your advisor.

What should I expect when I hire a financial planner or advisor?

An initial preliminary plan will encompass all of your assets and liabilities, as well as your income and spending. Each individualized plan will have steps to achieve your goals. These plans can be reviewed quarterly, bi-yearly or yearly based on complexity to best meet your expectations. Naturally, as your finances and assets grow over time, your financial planner will be able to make changes accordingly.

Estate Planning

Future Planning

Time for an Estate Plan?

Proper estate planning is crucial to ensuring tax-efficient transference of wealth to your beneficiaries. But this is just the first of many benefits of working with one of our seasoned estate planning professionals.  We can help put together an estate plan that enables you to execute your charitable requests or protect the assets of the family or your business.  With the right estate plan, everyone sleeps better at night.  BeniGro can help make that happen.

Estate Planning is appropriately managing your affairs during your lifetime, so it can be distributed accordingly after death. It is very important to have your affairs in order, so your wishes are carried out. This can even include your healthcare wishes and designating someone to manage your affairs, in case you are unable to do either. With a proper Estate Plan you can rest assured your wishes will be fulfilled.


Do You Need Insurance?

One of the best financial tools available to prepare for the unexpected is insurance. Through insurance you can ensure that your family’s well being is minimally impacted should the unfortunate happen. There are countless insurance products out there, each with a specific purpose so there’s no doubt that the right one is out there for you. Whether it’s term, whole life, annuities or final expense insurance, our team of experienced agents can help you identify what needs to be protected and which product best suits that need.

Life Insurance

Insurance FAQ

What is Life Insurance?

Life insurance allows a policyholder to make designated payments into an account in exchange for a lump-sum premium payment upon the death of the policyholder for its beneficiaries. 

Common Types of Life Insurance

- Term Life Insurance

- Whole Life Insurance

- Universal Life Insurance

- Variable Universe Life Insurance

How do I determine what my life insurance needs are?

There are formulas and calculators that can help determine the right amount of benefits for you. Generally, a reasonable amount for life insurance is 6 to 10 times the amount of your annual salary.

Is life insurance just for young families with children ?

No, young families often buy inexpensive policies for family security when their children are born. Life insurance is used for debt repayment, business needs and end of life expenses like estate taxes due at death.

How do I find an agent or a broker for life insurance ?

Life insurance agents are available online , through personal contact and sometimes through your employer. Agents work for one company and brokers represent many companies.

Is it possible to buy life insurance at any age ?

Yes, although life insurance typically gets more expensive with age. Even though there are policies for older individuals, life insurance requires good health to qualify.

Long Term Care

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Worried About Long Term Care Costs?

We understand. The truth is that the cost of Long Term Care can quickly exhaust the savings of most families if proper measures are not taken. Long Term Care Insurance helps to defray the costs of professional assistance with day to day living (so this is not medical insurance). This care is usually conducted at a nursing home or an assisted living facility but more and more people are opting to remain at home if possible. At some point tasks that were once done without a thought like eating or bathing may become too challenging to do alone. This is where Long Term Care becomes a necessity and this usually remains the case through the end of life. Furthermore, depending on how long one lives, the costs associated with such hands-on care can be mind numbing. Fortunately, at BeniGro we are no strangers to the world of Long Term

Long Term Care FAQ

What is Long-Term Care Insurance?

Long-term care insurance (LTC or LTCI), is an insurance product that helps provide for the cost of long term care beyond a predetermined period. Long-term care insurance covers expenses that are generally not covered by health insurance, Medicare or Medicaid. 

What are the benefits of Long-Term Care Insurance?

Long-term care insurance covers home, respite and hospice care, as well as assisted living, nursing home and Alzheimer's facilities. If home care coverage is purchased, long-term care will pay for home care as well as a live-in caregiver, private duty or therapist from the first day it is needed.

What is an Annuity?

An annuity is a contractually-executed, relatively low-risk investment where the insured individual pays a lump-sum premium to their insurance provider up front. That money will be paid back to the policy holder in fixed, incremental amounts over a determined period of time.The money is used for investments in which the resulting profit to compensate the policy holder. 

What is an Immediate Annuities?

An immediate annuity is the most basic type of annuity. A policy holder makes one lump-sum contribution where it's converted into an ongoing, guaranteed stream of income for a predetermined period of time.

What is a Deferred Annuity?

A deferred annuity is a contract with an insurance company that is viewed as a medium for accumulating savings later on. This policy pays the policyholder a regular income, or a lump sum, at a future date. 


Medicare is not always easy to understand.

BeniGro can connect you with Medicare experts that will make finding the right plan quick and easy. They are experienced with standard Medicare, Medicare Advantage Plans, and Medicare Supplement Plans. Whatever it is you may need, we can help you find it!


Contact Us

  • Benigro, 131 Randall Road Bolton, MA 01740 USA

  • (833) 236 - 4476


Medicare FAQ

Am I eligible for Medicare?

If you are 65 years old, yes!

If you receive benefits from Social Security or the Railroad Retirement Board, you are automatically eligible for Medicare starting the first day of the month you turn 65.

If you are under 65 you are eligible to receive Part A benefits under the following circumstances:

·       You have been receiving Social Security Disability Insurance for more than 24 months.

·       You have permanent kidney failure (end-stage renal disease requiring ongoing dialysis or a kidney transplant).

·       You have been diagnosed with amyotrophic lateral sclerosis (Lou Gehrig’s disease).

Do I have different options to choose from regarding available plans?

Yes. There are basic Medicare parts A and B. Additionally, you can add a Medicare Supplement (Medigap) or Medicare Advantage Plan Part C. This will provide you with the additional coverage basic Medicare does not cover.

Are my prescriptions covered?

This is not included in basic Medicare Parts A and B. Only if you have a Medicare Advantage or Medicare Supplement plan that offers one are you covered. Most Medicare Advantage Plans incorporate drug coverage. If you have a Medicare Supplement plan, you will need to add a prescription drug plan Part D for a premium cost.

What does Medicare cost?

Part B is charged monthly based on your income level.

 If you own a Medicare Supplement plan and a Part Prescription drug plan, there is a monthly premium.

If you own a Medicare Advantage plan, there is usually not a monthly premium, but there are co-pays and max out of pocket costs. 

The total cost will vary based on your income level, plan, and use. Sign up to meet with a Medicare expert today and they can configure the pricing for your options.

Can I change my plan if I’m dissatisfied?

You can change your plan during the Annual Enrollment Period (AEP), which runs from October 15th - December 7th each year. You can change your plan annually if need be. Massachusetts does not have any limitations on pre-existing conditions, so you are not limited there. Each plan has certain restrictions and is limited by location.

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