High-Net-Worth Families
Complex wealth, competing priorities, and decisions that need to fit together. Jared brings the structure and the follow-through.
About your advisor
Jared Gagne, CFP®
Wealth Advisor
Jared Gagne, CFP®, is a Wealth Advisor at Claro Advisors who helps high-net-worth individuals and families bring structure and simplicity to complex financial lives. Many of his clients are executives and professionals navigating high-stakes decisions — equity compensation, concentrated stock positions, tax strategy, trust and estate planning, family gifting, philanthropy, and major life transitions — without the time or desire to manage every moving part.
Jared's goal is to coordinate that complexity, uncover blind spots and inefficiencies, and ensure each decision fits into a plan aligned with his clients' goals and values. His approach is grounded in honesty, transparency, and clear decision-making — he serves as a sounding board for life's pivotal moments and builds long-term relationships that go well beyond the portfolio.
Prior to joining Claro, Jared spent three years at Merrill Lynch advising clients on comprehensive wealth planning and tax-efficient investment strategy. Outside the office, he serves on the Emerging Leaders Council for Good Sports, supporting equitable access to youth athletics — and you'll find him at Fenway most summer nights.
WHO I WORK WITH
Complex lives need a clear plan
Equity & Stock Plans
RSUs, options, concentrated positions — Jared helps clients understand what they have and make tax-smart decisions before and after vesting.
Tax & Estate Strategy
Coordinating with CPAs, attorneys, and trust structures to make sure your plan is airtight — and evolving as your life does.
Major Life Transitions
Business sales, inheritance, divorce, retirement — when the stakes are highest, Jared helps clients think clearly and move deliberately.
Family Giving & Philanthropy
Whether it's a family foundation, a donor-advised fund, or a gifting strategy, Jared makes it intentional.
HOW WE WORK
What it looks like to work together.
01
Understand Your Full Picture
Before anything else, we get the full picture — your assets, liabilities, income, taxes, estate, and everything in between. Most clients are surprised by what's connected.
02
Identify What's Missing
Blind spots are expensive. We look for inefficiencies, missed opportunities, and decisions that don't connect to the bigger goal — and flag them before they cost you.
03
Build the Plan
We build a cohesive plan that ties your financial decisions together — investment strategy, tax efficiency, estate structure, and timeline — all aligned with what you actually want.
04
Put It in Motion
Implementation is where most plans fall apart. We stay on it — coordinating with CPAs, attorneys, and other advisors to make sure nothing gets lost in the handoffs.
05
Stay in It Together
Your life changes. Your plan should too. We review regularly, revisit assumptions, and make sure every decision still fits where you're headed.
COMMON QUESTIONS
FAQs
What types of clients do you work with?
I primarily work with high-net-worth individuals and families — executives, business owners, and professionals who have accumulated real complexity in their financial lives. Many are navigating equity compensation, significant investment portfolios, estate considerations, or major transitions. What they have in common: they want someone to coordinate the whole picture, not just manage one piece of it.
What does working with you actually look like?
We start with a comprehensive look at your full financial picture — everything from assets and cash flow to tax strategy, estate documents, and insurance. From there, we build a plan that connects the dots, identify what's missing or inefficient, and implement it with your other advisors (CPA, attorney, etc.) in the loop. Ongoing, we meet regularly to review and adjust as your life changes.
How do you charge for your services?
Claro Advisors is a fee-only, fiduciary RIA — which means we're compensated only by our clients, never by commissions or product sales. Our fees are based on assets under management, and that fee covers financial planning, investment management, and ongoing access to your advisor. Additional costs may apply, including custodial fees, fund-level expenses, or third-party manager fees, depending on your portfolio. I'll walk you through the full fee structure in our first conversation. Our full fee schedule is described in our Form ADV Part 2A, available at https://adviserinfo.sec.gov/firm/summary/160294 or upon request.
What makes your approach different?
Most of my clients come in having had their investments managed but looking for someone to connect the dots across their broader financial life. I think about the whole picture — tax strategy, estate, equity, giving — and I stay actively involved in making sure every decision fits together. That coordination is where we focus our energy — and where clients often find the most meaningful impact.
How do I get started?
The first step is a conversation — no prep work required on your end. We'll talk through where you are, what's keeping you up at night, and whether working together makes sense. If it does, we'll take it from there.
Important Disclosures
This microsite has been prepared by Jared Gagne, CFP®, a financial advisor with Claro Advisors Inc., an SEC-registered investment adviser (CRD No. 160294). The information presented is intended to describe Jared's background, services, and general approach to financial planning. It does not constitute investment advice, a solicitation, or an offer to buy or sell any security.
Registration with the SEC does not imply a certain level of skill or training.
Services and Scope: Claro Advisors provides investment management and financial planning services. References to tax planning describe general financial planning considerations only and do not constitute tax advice. References to estate planning describe financial planning considerations in connection with estate-related decisions and do not imply legal services. Clients should consult a qualified tax professional or attorney for tax return preparation, legal matters, or jurisdiction-specific guidance.
Investment Risk: All investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. There is no guarantee that any investment strategy or financial plan will achieve its objectives. Actual results will vary depending on individual circumstances.
Tax Outcomes: Tax strategies and tax-aware planning approaches are intended to seek opportunities to improve after-tax outcomes. Tax results are not guaranteed and will vary based on each client's individual tax situation, applicable law, and other factors outside the adviser's control. Clients should consult a tax professional regarding their specific circumstances.
Financial Planning: Financial planning and goal-based strategies are designed to help clients work toward their objectives. Engaging in planning does not guarantee any specific financial outcome. Results depend on many factors, including market conditions, individual behavior, and circumstances that cannot be predicted or controlled.
Fees and Expenses: Claro Advisors' advisory fee covers financial planning, investment management, and ongoing advisor access. Additional costs may apply, including custodial fees, fund-level expenses, or third-party manager fees, depending on your portfolio. Claro Advisors is a fee-only registered investment adviser. Compensation is based solely on fees paid by clients. Claro Advisors does not receive commissions or compensation from product sales. A full description of our fee schedule and compensation arrangements is available in our Form ADV Part 2A at https://adviserinfo.sec.gov/firm/summary/160294 or upon request.
Form ADV: Claro Advisors' Form ADV Part 2A and Part 2B, which describe our services, fees, conflicts of interest, and disciplinary history, are available upon request or at https://adviserinfo.sec.gov/firm/summary/160294. Prospective clients are encouraged to review these documents before engaging our services.
CFP® Designation: The CERTIFIED FINANCIAL PLANNER™ certification is granted by the CFP Board of Standards, Inc. to individuals who meet education, examination, experience, and ethics requirements. For more information, visit cfp.net.