Christopher Lazzaro, ChFC®
Advice-Only | Fee-Only | Fiduciary
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Plan For It Financial, LLC
Christopher Lazzaro, ChFC®
Salem, MA
Serving Clients Nationwide
Advice-Only | Fee-Only | Fiduciary
5 out of 5 Stars
Jump to Reviews
Areas of Focus
- Financial Life Planning
- Retirement Planning
- Retiring Early (F.I.R.E)
- Tax-Smart Accumulation Planning
- Tax-Smart Distribution Planning
About Christopher Lazzaro, ChFC®
Hi, I'm Christopher Lazzaro. I founded Plan For It Financial, LLC, to follow my passion for helping others gain a deeper understanding of their personal finances.While most everyone understands the importance of getting their respective financial houses in order, the challenge lies in balancing living for today, while maintaining an eye toward the future. Bridging this gap through realistic goal setting, establishing priorities, and practical, actionable advice without the unnecessary layers of financial jargon and complexity is my firm’s primary value proposition.
I focus principally on mid- to late-career professionals and early-stage retirees. This group is often considered to be nearing or in the retirement "red zone." The retirement “red zone” is characterized as the five years leading up to and following the decision to stop working full time. I have found clients appreciate working with an advisor that can directly relate to this exciting, but also scary, season of life.
My three decades of investment management and insurance experience, includes more than 23 years at one of Boston's preeminent institutional asset managers working with some of the country’s largest public and private pension plans, endowments, and foundations.
In 2007, I earned the Chartered Financial Consultant® (ChFC®) designation from The American College of Financial Services. Pursuit of the ChFC® broadened my expertise beyond investments and insurance to include the areas of taxes, estate planning, charitable gifting, and retirement planning. I am also a member of the Financial Planning Association (FPA).
I take great pride in and am grateful for the opportunity to offer clients access to personalized, unbiased financial advice to make informed decisions with confidence. If you are ready to take the first step to get your financial house in order, or just in need of a check- up without high pressure sales pitches, let’s connect!
Professional Designations
- Chartered Financial Consultant (ChFC)
Affiliations
-
Advice Only Network
- Fee Only Network
- Financial Planning Association
- Garrett Planning Network
- Fee Only Network
Primary Location
17 Paradise Road, Vinnin Square Plaza, Ste 1099 - Salem, MA 01970
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Advice-Only
- Fee Only
- Flat Fee
- Hourly Rate
- One-time Financial Plan
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a complimentary conversation. We’ll discuss what led you to reach out to a financial planner at this time, set expectations, and clarify whether an advice-only firm like ours aligns with your unique needs and objectives. Thank you and look forward to meeting!About Plan For It Financial, LLC
Plan For It Financial was founded on the belief that a goal without a plan is just a wish. The credit for this assertion belongs to the author Antoine de Saint-Exupéry which he shared in his 1943 classic the The Little Prince. Some 80 years later, we couldn't agree more.With that belief in mind, we are dedicated to guiding individuals and families through the process of defining, creating, and executing financial plans unique to their specific goals and circumstances.
Guiding Principles:
✔️ Plan For It Financial is an advice-only financial planning firm. You can expect comprehensive financial advice and education without the precondition of managing your investments.
✔️ Plan For It Financial is a fee-only firm. You will always know what you are paying, in the form of a flat fee, and there are no asset minimum threshold requirements.
✔️ Plan For It Financial acts as a fiduciary to its clients and is legally and ethically required to always act in your best interest.
Who We Serve:
• Mid-Career (Age: 40+)
• Nearing Retirement (Age: 50+)
• Newly Retired
Education
Salem State University, Bachelor of Arts, English
Hobbies and Interests
- Family
- Golf
- Sports
- Tennis
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Corporate Executives
- DIY Investors
- Dual Income Family
- Entrepreneurs
- Families
- Gen X
- Individuals
- Living in Retirement
To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.
Write a Review
By clicking submit, you acknowledge this review is based on your own experience and reflects your genuine opinion. You also agree to our review policy, privacy policy, and terms and conditions, and give this financial advisor permission to publicly display your review on their website.
Recommending Chris Lazzaro
✅ Wealthtender Certified Advisor Review™
Jun 12, 2025
I recently began working with Chris and was very pleased. His responses were prompt and he was extremely helpful in a variety of ways. Most importantly, Chris appears to be very knowledgeable in his financial advice.
Relationship to Financial Advisor: Client as of Jun 12, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Just the Advice and Assistance We Needed
✅ Wealthtender Certified Advisor Review™
Jun 2, 2025
My husband and I have always managed our finances ourselves. As we approached change of life circumstances, we wanted to find a financial planner who was experienced, easy to work with, and would provide a plan that considered our personal needs at the right level of involvement. We found that in Chris, who easily explained options, made himself available on convenient Zoom calls, and didn't try to sell us things we didn't need. We were looking for sound advice and confirmation of decisions for near- and long-term. We now have a plan we can manage ourselves, with a professional partner whom we can call upon when needed. His project-based model worked very well for us, and we'd recommend him to others seeking a fee-only approach.
Relationship to Financial Advisor: Client as of Jun 2, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Transformational Financial Guidance
✅ Wealthtender Certified Advisor Review™
Jun 2, 2025
Although I decided to manage my portfolio, the transition to full retirement drove me to search for a second opinion on this challenging phase. Chris delivered with flying colors, quickly grasping my situation's peculiarities with a well-researched and viable plan for full retirement. I feel fortunate to have his unsurpassed financial acumen and detailed knowledge of my unique course; he is a critical asset in smoothing my journey toward retirement.
Relationship to Financial Advisor: Client as of Jun 2, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Highly Recommend
✅ Wealthtender Certified Advisor Review™
May 30, 2025
I worked with Chris for almost twenty years at one of Boston's leading investment management firms where Chris was universally respected, liked and trusted by colleagues and clients alike. When Chris left to start his own firm, I promptly reached out to him for independent financial planning advice and I’m very happy I did. His advice to me is always thoughtful, thorough and professional yet also easy to understand and implement. His fee structure is simple and fairly priced, especially compared to firms that charge a percentage of assets under management. In short, I feel extremely fortunate to have Chris by my side when it comes to my financial planning. I highly recommend Chris to anyone seeking independent advice about their own financial situation.
Relationship to Financial Advisor: Client as of May 30, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
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