About Us

About Plain Talk Financial Planning

Plain Talk Financial Planning (PTFP) is an Investment Adviser principally located in the state of Massachusetts. We act in a fiduciary capacity for our clients, meaning we always put the needs of the client above all else.

We are a fee-only firm, meaning the only compensation we receive is from our clients for our services. PTFP does not accept compensation for the sale of securities or other investment products including asset-based sales charges or service fees from the sale of mutual funds.

You Deserve an Evidence-Based Philosophy

Decisions are driven entirely by evidence, research, and humility — not emotions nor speculation.

Portfolios are designed to focus on maximizing diversification, low fees, and limiting tax friction. In doing so, we lean on empirical insights to provide more reliable investor outcomes as we plan your future together.

You Deserve Radical Candor

Families don't hire PTFP to say the right things. They hire us to improve their expected outcomes.

The markets are noisy. Your financial plan, investments, and tax strategies must be thoughtfully integrated to effectively engineer success.

You're hiring us both as an architect and artist for your family — to design and harmonize the various factors of your financial life.

You Deserve Transparency & Fair Fees

Investors need to know what they are paying, both to advisors and to the funds that an advisor may select for clients. Fees are a critical input to your expected outcomes, and we make ours transparent and fair.

PTFP is a fee-only RIA. We do not receive commissions and are not compensated for placing you in any specific funds or strategies.

PTFP offers multiple, client-friendly options for advisory fees.

You Deserve to be an Investor

No matter who you are

Investing isn't only for the wealthy. That's why we don't have minimum account requirements.

We have a “30 minutes for anyone” policy — if someone is referred to the firm but doesn't want to be a client, or isn't a good fit, we will still try to leave them in a better place than before we met.

Please do not refer to us as a wealth management firm. We are a wealth management and wealth creation firm, and do not want anyone to be deterred from reaching out for help achieving their financial goals.

Bob Foster

Bob Foster, CFP®

Founder

978-992-8772

[email protected]

Bob is the Founder of Plain Talk Financial Planning, LLC. He lives in Amesbury, MA with his wife and has 3 adult children. He founded Plain Talk Financial Planning in 2025 to help people achieve their financial goals in a way that best suits their unique set of circumstances. He does this in a fiduciary capacity, meaning the needs and wants of the client always come first.

In 2020, Bob began his long time goal of becoming a CERTIFIED FINANCIAL PLANNER® professional. He completed the Boston University Financial Planning Certificate Program, then took and passed the CFP® exam. He has gained real-life experience through the Amplified Planning Externship program, Amplified Planning Core program, and Measure Twice Planning, as well as through working with the clients of Plain Talk Financial Planning.

Prior to working in the financial planning space, Bob received his B.S. in Electrical Engineering from Merrimack College and his M.S. in Telecommunications Engineering from the University of Colorado, and he enjoyed a career as an engineer at AT&T/Lucent/Nokia in a Customer Technical Support capacity for many years. In that role, Bob combined his technical expertise with a passion for helping customers and colleagues find solutions to complex technical issues. He enjoys utilizing his technical knowledge of financial planning techniques and a wealth of life experience serving his clients as a financial planner.

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Are You Ready?

Schedule a complimentary consultation to discuss how we can help you reach your financial goals.

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