John Spoto


Sentry Financial Planning, LLC

President, CEO

John Spoto


Sentry Financial Planning, LLC

President, CEO

We work for you, not the financial institutions. We don’t sell financial or insurance products of any kind, nor do we accept or pay commissions or referral fees. We uphold a legal duty to put your interests first. - John Spoto, CFP®, MBA

John Spoto is an Andover, MA, and Danvers, MA financial advisor and investment manager. Sentry Financial Planning, LLC specializes in financial planning, investment management, and retirement planning to help clients work towards their financial goals at all stages of life. John Spoto is a fiduciary financial planner.

John Spoto is a Fee Only Financial planner with office locations in Andover and Danvers, MA. Prior to establishing his firm, John spent over 16 years running his own finance and equipment leasing company, providing financing solutions to medium sized companies.

Early in his career, he was balancing the demands of running a growing business and managing his own family's finances. Even with a background in finance, and access to high-priced professional advisors, his personal finances didn't get the attention they deserved. With no one to help coordinate the efforts of these specialists, he often received fragmented and contradictory advice. He believes that most people face these same challenges.

His goal in establishing Sentry Financial Planning is to simplify the challenges of managing his clients’ personal finances and to provide them with straightforward recommendations and assistance in implementing them.

He is a member of the Garrett Planning Network and the National Association of Personal Financial Advisors.

Whatever your age, whatever your stage in life, Sentry Financial Planning is here to help you. We work with people who believe the way to build and preserve financial security is through careful planning, saving and working with a trusted advisor. Sentry Financial Planning, is a Fee-Only financial and investment advisory firm . We do not work for any financial institution and do not accept any commissions or referral fees. We have no minimum income or net worth requirements. We offer the advice you need to make better financial decisions.

Many of our clients come to us with a good understanding of their financial goals. They expect us to listen and provide solutions to achieve those goals. What they find in us are trusted advisors, not high-pressure salespeople. We place a high value on giving you a good value. Before our relationship even begins, you’ll know exactly what will be delivered and what you will pay because we clearly describe our services and fees on our website and closely adhere to this structure

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Financial Planning
  • Retirement Planning
  • Investment Management

Ideal Clients

  • Managing a Career and Family
  • Approaching Retirement
  • Retirement

Working Together

  • Build a Financial Plan
  • Financial Plan Implementation
  • Annual Retainer Service

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    John Spoto is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    John Spoto is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • Garrett Planning Network - GPN
    John Spoto is a member of the Garrett Planning Network. Click here to learn more.

    Everyone needs competent, objective financial advice from time to time. The Garrett Planning Network has a nationwide membership with hundreds of independent, Fee-Only financial planners providing advice to people from all walks of life, without minimum account requirements, sales commissions, or long-term commitments. Our members proudly embrace their fiduciary duty, always placing their clients' best interests first.

Contact John Spoto

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Office Locations:

  • 2 Elm Square
    Suite 320
    Andover, MA 01810
  • 150A Andover Street
    Suite 1
    Danvers, MA 01923

Sentry Financial

Published on Sep 27, 2011

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