Ken Hoyt


Hoyt Wealth Management

Financial Advisor

Ken Hoyt


Hoyt Wealth Management

Financial Advisor

I provide tax-efficient retirement planning and investment management for diligent savers approaching retirement, already retired or receiving equity compensation. - Ken Hoyt, CFP®, EA

Fee-only financial advice for clients in Westford, MA and nationwide

Ken Hoyt is a Westford, MA fee-only financial planner. Hoyt Wealth Management provides comprehensive tax-efficient financial planning and investment management to help pre-retirees and professionals with equity compensation grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Ken Hoyt is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Ken Hoyt is a the founder and fee-only finanical planner at Hoyt Wealth Management located in Westford, MA.

I have been interested in finance since high school, from preparing my siblings' tax returns to following the stock market.  During high school, I worked in the family business, which my grandfather started many decades ago.

After graduating from college, I held several positions in investment accounting, and technology sales, eventually deciding that working directly with clients was my true calling. This led me to become a traditional financial advisor, but I quickly learned that most of these jobs were commissioned sales positions.   While this provided valuable experience, I came to realize that the sales-oriented culture did not align with my personality or my clients’ best interests.  Thus my 7 year hiatus from financial planning began, working as an account manager at IBM.

During my time at IBM, I launched Hoyt Wealth Management with the goal of helping clients achieve financial peace of mind. In 2017, it was time to go full-time with financial planning so I joined a local firm, where I advised clients for 2 ½ years until deciding to go solo in 2020.

I'm a Massachusetts native, growing up in Natick but living in Westford with my family since 2015.  When not working, I enjoy tennis, golf, hiking, cooking, road trips around New England, and attempting to grow things.

Ken Hoyt is a Member of the National Association of Personal Financial Advisors

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.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Hoyt Wealth Management offers personalized wealth management to align your finances with your life goals.

My goal is to understand what matters most to you and align your investments around that. As we partner together, you will always receive data-driven, conflict-free advice. I strive to help you find clarity with a tax-efficient plan that considers your entire financial situation—and that evolves just as you do.

I do not sell financial products to receive a commission, nor do I guide you and your family according to market hype. You will not receive a one-size-fits-all investment strategy that forgoes research and data, and you will never be treated as a number or just another client.

Let me help you retire early, minimize taxes, and never run out of money.

What Sets HWM Apart.

  • We specialize in tax-efficient investing and planning for professionals approaching retirement, or already retired
  • We understand the tax implications of equity compensation (ISOs, NSOs, RSUs, ESPPs)
  • Every recommendation will factor in your entire portfolio, your tax situation, and your financial plan
  • My only incentive is for my clients to be financially successful and as such, my only compensation is either a flat or asset-based fee , not from commissions.
  • HWM is approved to offer mutual funds from Dimensional Fund Advisors, the pioneer in evidence-based investing

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


  • Comprehensive Financial Planning
  • Tax- Efficient Investment Planning
  • Retirement Income Planning
  • Equity Compensation Optimization
  • College Education Planning

Ideal Clients

  • Professionals with Equity Compenstation
  • Near Retirees and Retirees
  • Business Owners and Executives
  • Sudden Money Situations

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Ken Hoyt 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)
    Ken Hoyt 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.

  • XY Planning Network
    Ken Hoyt is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

  • Enrolled Agent with the IRS (EA)
    Ken Hoyt is an Enrolled Agent (EA) with the IRS

    An enrolled agent is a federally authorized tax practitioner empowered by the U.S. Department of the Treasury to represent taxpayers before the Internal Revenue Service. Enrolled agent status is the highest credential awarded by the IRS.

  • Dimensional Funds
    Hoyt Wealth Management is an Approved Dimensional Funds Advisor

    Dimensional believes an advisor can work closely with you to understand your financial needs and provide a range of wealth management services, while encouraging the discipline essential to long-term investment success. Financial advisors who work with Dimensional operate independently from Dimensional and vary in the extent to which they use Dimensional funds.

Contact Ken Hoyt

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Office Locations:

  • 234 Littleton Road
    Westford, MA 01886

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