John H. Konetzny

John H. Konetzny


The Practical Planner, LLC


Contact Me

Fee-Only Financial Planner With Offices in Groton, MA and Maynard, MA and Serving Clients Nationwide


  • Fee-Only Financial Planning
  • Financial Review
  • Hourly Fee Consultations
  • Retirement Planning
  • Investment Management
  • Tax Planning
  • Estate Planning
  • Insurance Services
  • College Education Planning
  • 401(k) and IRAs
  • Business Planning
  • Employee Benefits


Our Other NAPFA Members

Visit Us

274 Main Street
Groton, MA 01450

9 Marlboro Street
Maynard, MA 01754

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

John Konetzny is a Fee-Only Financial Planner serving the areas of Maynard, MA, Groton, MA, Dunstable, MA, Westford, MA, Harvard, MA, Acton, MA, Littleton, MA and Concord, MA. The Practical Planner, LLC specializes in providing objective financial planning to help clients build, manage, grow, and protect their assets through life's transitions.

John Konetzny is a Certified Financial Planner™, an Enrolled Agent with the Internal Revenue Service and an advisor at The Practical Planner, LLC. He received his degree in Economics from the Isenberg School of Management at the University of Massachusetts Amherst.

Prior to joining The Practical Planner, LLC, John spent six years at Fidelity Investments working with high net worth individuals and families constructing comprehensive financial, investment and retirement plans. John brings a wealth of knowledge to The Practical Planner in employer sponsored benefits, including Stock Option and Executive Retirement Plans. During John’s tenure at Fidelity, he attained his Series 7, Series 63, Series 66, and his Life, Health and Variable Annuity Insurance License. John is a member of the Alliance of Comprehensive Planners (ACP), the National Association of Personal Financial Advisors (NAPFA) and the Fee-Only Network. As a NAPFA- Registered financial advisor, he is required to meet the most stringent continuing educational requirements in the industry. 

After becoming a Certified Financial Planner™, John realized how much more he could help clients when product sales were off the table. He discovered how much he values transparency in financial planning, a value he believes you can truly only have as a Fee-Only financial planner. John believes having a trusted professional helping to make the best decisions in life will lead to financial freedom. 

John resides in the quintessential New England town of Groton, Massachusetts with his wife Elizabeth. He serves as a member of the Groton Economic Development Committee, the Groton Business Association and as an Eagle Scout, continues to stay active with the Boy Scouts in Groton. In his spare time, John enjoys cycling and running through the picturesque country roads in the area, visiting new cities throughout the U.S. and spending time with his nieces and nephews


The Practical Planner, LLC is an independent, Fee-Only financial planning firm that provides comprehensive, tax-focused financial advice and wealth management.

As Fee-Only Certified Financial Planners™, clients pay directly for our professional advice and are not sold products. 

As a Registered Investment Advisor, we are among a select group of advisory firms authorized to access funds offered by Dimensional Fund Advisors (DFA), and we use DFA funds extensively along with Exchange Traded Funds (ETFs), index funds, and other select low-cost investment vehicles.

As Enrolled Agents, we understand tax laws and consider tax implications of any decision that is made. We work with our clients throughout the year to lawfully minimize their tax bill and ensure they avoid the mistake of overpaying taxes.