Yellow Dog Financial
Flat-fee financial planning from Bolton, Massachusetts
Our new website is on the way.
A full site with articles, planning guides and a newsletter launches in early 2027. In the meantime, here’s what you need to know.
What I do
I’m Bill Nickles. I’m a fee-only, fiduciary financial planner, and I work with a small number of households in the Nashoba Valley and beyond. My work centers on two areas:
Retirement income planning. It answers the question everyone approaching retirement asks: How much can I reasonably spend? From there it covers when to claim Social Security, Roth conversions, required minimum distributions, Medicare IRMAA surcharges, and which accounts to draw from first. Getting these decisions right can add up to tens of thousands of dollars over a retirement.
Equity compensation. For people with RSUs, stock options or an ESPP, I help with when to exercise, when to sell, how to manage the tax bill, and how to keep one company’s stock from taking over your finances.
Most of my clients are in their 40s to 60s, are in their peak earning years or close to retirement, and want a clear plan with someone to keep it on track.
How I’m paid
I charge a flat fee. I don’t charge a percentage of your assets and I don’t take commissions. You’ll know exactly what you’re paying and what you get for it, and my advice isn’t tied to selling you a product or growing your account balance.
Let’s talk
The first step is a free, no-pressure introductory call to see whether we’re a good fit.
Bill Nickles
508-472-0279
bnickles@ydfinancial.com
Bolton, MA