Salario de Analista Financiero en Massachusetts (2026)
El salario promedio de un Analista Financiero en Massachusetts es de $128,000/año. Después de impuestos, tu sueldo neto estimado es de $92,574/año ($7,715/mes).
Desglose del Sueldo Neto
| Categoría | Cantidad |
|---|---|
Sueldo Neto Anual | $92,574 |
Sueldo Neto Mensual | $7,715 |
Sueldo Neto Quincenal | $3,561 |
Sueldo Neto por Hora basado en 2,080 hrs/año | $45/hr |
Impuesto Federal | $19,454 |
Impuesto Estatal | $6,180 |
Impuestos FICA | $9,792 |
Tasa Efectiva de Impuesto impuestos totales ÷ salario bruto | 27.68% |
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Rangos de Salario de Analista Financiero en Massachusetts
No todas las Analista Financieros ganan lo mismo — ni de cerca
Massachusetts's financial analyst market is one of the deepest in the country, anchored by Boston's status as the capital of US asset management. Fidelity Investments HQ Boston ($4.5T+ AUM, the world's largest mutual fund company by retail assets), State Street Corporation HQ Boston ($40T+ in assets under custody, second-largest investor servicer globally), Wellington Management (private partnership, $1.4T+ AUM), Investment Management, Putnam Investments, BNY Mellon Boston operations. Add the substantial Cambridge biotech corporate finance ecosystem (Moderna, Vertex Pharmaceuticals, Biogen, Sanofi Genzyme), the Boston PE / VC market (Bain Capital HQ Boston, Summit Partners, TA Associates), plus Hartford-adjacent insurance industry corporate finance, and you have one of the strongest finance markets in the world.
Asset Management Analyst (Senior)
$150,000–$280,000+
Fidelity, State Street, Wellington, MFS · pension/equity research/portfolio mgmt
Hedge Fund Analyst
$150,000–$400,000+
Bridgewater (CT-adjacent), Bain Capital Public Equity, Adage Capital
Biotech Corporate Finance (Senior)
$140,000–$260,000+
Moderna, Vertex, Biogen, Sanofi Genzyme · Cambridge biotech specialty
PE Associate
$130,000–$240,000
Bain Capital, Summit Partners, TA Associates, Audax · strong Boston PE
IB Analyst (Boston)
$110,000–$170,000
Goldman Boston, Morgan Stanley Boston, JPMorgan Boston · same scale as NYC
Portfolio Manager / Equity Research
$200,000–$1,000,000+
Senior PMs at Fidelity, Wellington, MFS · book-of-business comp
FP&A Analyst (Senior)
$110,000–$190,000
Tech FP&A at Wayfair, HubSpot, DraftKings, biotech finance
Insurance Industry Analyst
$95,000–$165,000
Liberty Mutual HQ Boston, MassMutual Springfield, Hartford-adjacent
Wealth Management Analyst
$85,000–$160,000
Boston HNW · Fidelity, Goldman PWM, MS Wealth Management
Junior / New Grad Analyst
$80,000–$120,000
First role; Harvard, MIT, BU, BC pipeline · highly competitive
Vale la pena saber: The Boston asset management ecosystem is genuinely unique to Massachusetts. Fidelity Investments alone employs over 70,000 globally, with Boston as the corporate headquarters. State Street Corporation provides custody and administration services for $40T+ in assets globally. Wellington Management is a private partnership (employee-owned) with one of the most respected investment cultures in the asset management industry. The combination supports analyst career paths in equity research, portfolio management, fund administration, and asset servicing that exist almost nowhere else in the world. Cambridge biotech corporate finance — Moderna, Vertex, Biogen, Sanofi Genzyme — adds a distinct second pillar that combines tech-FP&A skills with biotech industry knowledge.
Massachusetts finance — asset management capital, Cambridge biotech, and the 4% Millionaire's Tax
#1
Boston is the capital of US asset management ($4.5T+ at Fidelity alone)
5% + 4%
MA flat tax + Millionaire's Tax surtax on income above $1M
$1M+
top portfolio manager comp at Fidelity / Wellington / MFS in good fund years
Boston's asset management concentration is genuinely unmatched globally except by NYC and London. Fidelity Investments (Boston HQ + Smithfield RI tech operations) is the world's largest mutual fund company by retail assets. State Street Corporation provides custody for nearly half of all US institutional assets. Wellington Management is widely considered one of the most respected investment management firms globally — partner-track senior analysts at Wellington can build careers with portfolio management responsibility for $5B-$50B+ funds.
Cambridge biotech corporate finance is the distinctive second pillar of MA finance. Moderna (Cambridge HQ, post-COVID tech-finance integration), Vertex Pharmaceuticals (Boston Seaport HQ, $40B+ market cap), Biogen (Cambridge HQ), Sanofi Genzyme (Cambridge), Takeda (Cambridge US HQ), Alnylam Pharmaceuticals — all maintain substantial corporate finance teams. Senior biotech corporate finance analysts combine tech-FP&A skills with deep biotech industry knowledge, particularly around clinical trial economics, FDA approval timelines, and patent / exclusivity windows.
Massachusetts's flat 5% state income tax is reasonable on most of the spectrum, but the 4% Millionaire's Tax surtax (Question 1, passed November 2022, effective tax year 2023) is the shift that affects high-earning finance professionals materially. The surtax applies to taxable income above $1,000,000 — meaning senior portfolio managers at Fidelity / Wellington, hedge fund senior analysts in good fund years, and PE partners face a combined 9% MA state rate above $1M. For a senior PM clearing $1.5M in good years, the surtax adds ~$20,000 in MA state tax annually beyond the flat 5%.
Cost of living is the caveat for Boston finance analysts. Boston metro housing — particularly in good suburbs (Newton, Wellesley, Brookline, Lexington) — is among the most expensive in the country. Single-family homes routinely exceed $1.5M-$2M in finance-favorite neighborhoods. The take-home math for staff and early-career analysts is meaningfully tighter than gross numbers suggest.
Massachusetts for financial analysts — when asset management depth justifies the cost
Boston finance practice culture is shaped by the asset management + biotech corporate finance integration. Even non-asset-management analysts often work cross-functionally with Fidelity / Wellington / State Street talent — the city's investment professional networks are dense and self-reinforcing. The professional culture is genuinely intellectual and research-driven in ways that distinguish Boston finance from NYC's deal culture.
Cost of living is the caveat. Boston housing in good suburbs (Newton, Wellesley, Brookline, Lexington, Lincoln, Concord) is among the most expensive in the country. A senior analyst earning $300,000 lives meaningfully tighter in Boston than the same comp would support in Houston, Atlanta, or Chicago. The compensation premium is real but cost-of-living absorbs most of it for staff and early-career analysts.
The smaller Massachusetts finance markets (Springfield insurance industry — MassMutual HQ Springfield, Worcester corporate finance) operate on different economics. Lower comp ceilings but materially lower cost of living, slower-paced practice, and meaningful primary insurance industry depth. UMass Memorial in Worcester is the major non-Boston anchor.
How Massachusetts taxes work for financial analysts (and the 4% Millionaire's Tax that hits portfolio managers)
Massachusetts's flat 5% state income tax is reasonable on most of the spectrum but the 4% Millionaire's Tax surtax (Question 1, effective tax year 2023) is the shift that affects high-earning finance professionals materially. The surtax applies to taxable income above $1,000,000 — meaning senior portfolio managers at Fidelity / Wellington, hedge fund senior analysts in good fund years, PE partners with carry crystallization years, and biotech corporate executives with stock vesting years face a combined 9% MA state rate above $1M. For a senior portfolio manager clearing $1.5M in good years, the surtax adds ~$20,000 in MA state tax annually beyond the flat 5%.
Surtax timing strategy is genuinely important for senior MA finance analysts. The $1M threshold is not indexed for inflation — meaning more analysts cross it each year as comp grows. Surtax planning typically means: (1) deferring large capital gains events across multiple tax years (PE carry distributions, concentration sales at biotech), (2) maximizing pre-tax retirement contributions to reduce taxable income below $1M when possible, (3) considering charitable bunching (donor-advised fund) to push deductions into surtax years, (4) for partners at PE / asset management firms considering carry timing carefully. Some MA senior portfolio managers with $1M+ years and $700K average years can defer $300K-$500K of taxable income via DB pension + cash-balance plan + DAF contributions.
Carry tax planning at Boston PE / hedge funds: confirm 3-year fund holding requirement to preserve treatment on carry distributions. MA conforms to federal LTCG vs ordinary income at federal level but applies the same 5% (or 9% with surtax) to both — no MA preferential capital gains rate. The LTCG advantage is purely federal — but at $1M+ comp, the surtax becomes the dominant MA tax planning consideration.
Fidelity and major asset management employer plans are unusually favorable due to industry compensation structures. Fidelity employees can contribute to a 401(k) + employee stock purchase plan + DB pension (Fidelity is private and supports DB pension). Wellington Management (private partnership) compensation includes profit-sharing + equity-style compensation for partners that follows specific tax rules. State Street Corporation (publicly traded) offers + 401(k) + . The industry's deep familiarity with retirement plan administration means asset management employer plans tend to be well-structured for tax efficiency.
NH commuter strategy works only for non-wage income. New Hampshire has 0% income tax on wages but does tax interest + dividends (5% in 2024, phasing out by 2027). For MA-employed analysts, becoming an NH resident does NOT save tax on MA-employed wages — MA taxes the source income regardless of residence (similar to NY). The NH commuter strategy works for: analysts with substantial investment income (interest + dividends), analysts transitioning to retirement (NH has 0% on retirement withdrawals once IRA / distributions begin), and analysts with significant capital gains realization years.
- →Max ($24,500 in 2026) — pre-tax for federal AND MA. At ~37% federal + 5% MA = 42% combined marginal at senior analyst comp, every $1,000 deferred saves ~$420.
- →Backdoor Roth IRA ($7,500) — required at analyst income; Direct Roth phased out ~$146K single. Roth withdrawals avoid both federal + MA state tax in retirement.
- → at Fidelity / Wellington / State Street / biotech employers (when supported) — verify with HR. At $200K-$400K+ total comp, this can mean $30K-$45K/year of after-tax → Roth conversion.
- →Surtax timing strategy at $1M+: defer income across years (income smoothing), bunch charitable deductions (DAF) into surtax years, time PE carry distributions and biotech concentration sales carefully. Worth $5K-$30K annually for borderline filers.
- →Carry tax planning at Boston PE / HF: confirm 3-year fund holding requirement to preserve treatment on carry distributions. Worth ~10-15% tax savings vs ordinary income.
- →DB / cash-balance pension for partners at PE / asset management firms: combined with solo + profit-sharing, can shelter $200K-$300K+ annually pre-tax at $1M+ comp.
- →Late-career relocation math: NH (0% wage tax + 0% retirement income tax + low property tax) is the late-career play for MA finance analysts. NH residency 5-7 years before retirement saves $200K-$500K in lifetime state tax for analysts with $3M+ retirement accounts. Boston commute remains practical from southern NH (Salem, Nashua, Derry).
- →FL relocation for senior PE partners + portfolio managers with $5M+ net worth: similar advantages to NH but warm climate + no estate tax. Many senior MA finance professionals execute FL relocation 3-7 years before retirement.
Three Massachusetts financial analyst markets — what each one looks like
Massachusetts financial analyst geography is dominated by Boston Financial District / Seaport asset management, Cambridge biotech corporate finance, and the smaller Springfield insurance industry market.
Boston Financial District / Seaport (Fidelity / State Street / Wellington / Bain Capital)
Total comp: 1st-yr Asset Mgmt Analyst $130K-$170K · Senior Portfolio Analyst $250K-$400K · Senior PM $500K-$1M+ · Top PM $1M-$3M+Fidelity Investments HQ (Devonshire Street + Seaport District), State Street Corporation HQ (One Lincoln Street + Seaport), Wellington Management (Atlantic Wharf), Investment Management (111 Huntington Avenue), Putnam Investments (One Post Office Square), BNY Mellon Boston operations, Bain Capital HQ (200 Clarendon Street), Summit Partners, TA Associates. Plus Goldman Sachs Boston (One Beacon Street), Morgan Stanley Boston, JPMorgan Boston. The Boston Financial District + Seaport asset management concentration is genuinely unmatched globally except by NYC and London.
Boston finance analyst housing in Back Bay, Beacon Hill, Seaport, South End ranges $1M-$3M+ for premium condos. Many senior analysts move to North suburbs (Newton, Wellesley, Lexington) or South Shore (Hingham, Cohasset) for top-rated schools + family-stage living. Commuter rail + MBTA support most suburbs.
Cambridge / Biotech Corporate Finance (Moderna / Vertex / Biogen / Sanofi Genzyme)
Total comp: 1st-yr Strategic Finance $130K-$170K · Senior FP&A $190K-$280K · Senior Corporate Dev $290K-$440K · Director $400K-$600K+Moderna (Cambridge HQ, post-COVID tech-finance integration with new products + ongoing R&D pipeline), Vertex Pharmaceuticals (Boston Seaport HQ, $40B+ market cap, cystic fibrosis dominance + sickle cell expansion), Biogen (Cambridge HQ, neurology focus), Sanofi Genzyme (Cambridge, rare disease focus), Takeda US HQ (Cambridge), Alnylam Pharmaceuticals (Cambridge, RNAi specialty), Bluebird Bio, Editas Medicine. Plus the larger biotech ecosystem (smaller pre-clinical + clinical-stage companies) supporting consulting + advisory roles. Industry consultancy / scientific advisory board roles in Cambridge biotech add $50K-$300K+ annually for academically-active analysts.
Cambridge / Somerville / Watertown / Belmont / Arlington biotech finance analyst housing ranges $900K-$1.8M for SFR. Younger biotech finance analysts often live in Cambridge / Somerville for walkability to Cambridge biotech offices. Senior biotech corporate finance analysts move to Newton / Wellesley / Lexington for family-stage + top schools.
Springfield + Worcester (MassMutual + UMass Memorial + Western MA Insurance)
Total comp: Insurance Industry Senior Analyst $110K-$190K · Corporate FP&A $90K-$160K · Wealth Management $80K-$140KMassMutual Financial Group HQ Springfield (Massachusetts Mutual Life Insurance, $880B+ AUM via investment subsidiaries), Liberty Mutual Insurance HQ Boston (substantial Western MA operations), Hartford Financial Services Group adjacent (Hartford CT but employs Western MA residents), United Healthcare-Travelers adjacent. Western MA insurance industry corporate finance + investment management. Worcester smaller market — UMass Memorial corporate finance + smaller commercial banking.
Springfield / Northampton / Worcester housing dramatically more accessible than Boston metro — 4BR family homes at $400K-$700K. Western MA insurance industry analysts often have meaningful work-life balance + commute advantages vs Boston peers. Many senior insurance industry analysts maintain Boston second residence or commute via I-90 / Mass Pike to Hartford CT for cross-border consulting.
The Massachusetts financial analyst career arc — Harvard / MIT / Wharton to senior portfolio manager
MA financial analyst careers frequently begin with Harvard / MIT / Wharton MBA training (or Boston / Northeastern / Babson undergrad finance) followed by analyst program entry at top employers — Fidelity / State Street / Wellington asset management entry programs, Goldman Sachs Boston / Morgan Stanley Boston IB analyst program, Bain Capital / Summit Partners / TA Associates PE analyst, Cambridge biotech corporate finance entry. First-year analyst comp at MA top employers: asset management $130K-$170K total comp + bonus; IB analyst $130K-$170K total comp + bonus; biotech Strategic Finance $115K-$155K + equity. Most MA new analysts max immediately, complete Backdoor Roth, and accept the 5%+ surtax structure that emerges at higher comp.
Years 2-5 are the post-analyst-program build phase. Senior asset management analysts at Fidelity / State Street / Wellington earn $200K-$300K + bonus. PE associates at Bain Capital / Summit Partners / TA Associates earn $200K-$280K + carry beginning to vest. Biotech Strategic Finance senior analysts at Moderna / Vertex / Biogen earn $190K-$280K total comp + equity that often doubles total comp during good market cycles. The compounding + + Backdoor Roth contributions during this band can accumulate $400K-$700K in retirement assets by age 30. Careful surtax planning becomes relevant by year 4-5 for analysts approaching $1M+ years.
Years 5-15 are the peak earning band. Senior portfolio managers at Fidelity / Wellington with book-of-business responsibility for $5B-$50B+ funds clear $500K-$1M+ in good years; top performers exceed $3M-$5M. Senior PE Principals / VPs at Bain Capital / Summit Partners clear $500K-$1M+ with carry crystallization. Biotech corporate development VPs at Moderna / Vertex clear $400K-$800K. Senior Cambridge biotech industry consultants who maintain Fidelity / Wellington advisor roles clear $500K-$1.5M+ in good years. The 4% Millionaire's Tax surtax becomes a consideration at $1M+ years — many senior MA finance analysts time PE carry distributions, biotech concentration sales, and partnership profit-share to manage surtax exposure.
Late career (years 15+) brings the structural MA tax pressure most acutely. By age 50-60, established MA finance analysts typically have $5M-$50M+ in net worth (PE partners and senior PMs can clear $50M+ by age 50). The 4% Millionaire's Tax surtax + 5% flat tax + Boston cost-of-living + estate tax above $2M create pressure for late-career relocation. NH residency (0% wage tax, 0% retirement income tax, phase-out of interest+dividend tax by 2027) saves $300K-$700K in lifetime state tax for analysts with $3M+ retirement accounts. FL relocation (no income tax, no estate tax, no inheritance tax) is the late-career play for senior PE partners and senior PMs with $10M+ wealth — many senior MA finance professionals execute FL relocation 3-7 years before full retirement to capture both income tax and estate tax savings.
Where Massachusetts financial analysts actually live
Boston finance analysts cluster in Back Bay / Beacon Hill / Seaport / South End for younger analyst demographic + downtown commute. Senior analysts move to Newton / Wellesley / Lexington / Brookline (West suburbs) for top-rated schools + family-stage. Cambridge biotech finance analysts live in Cambridge / Somerville / Brookline.
Back Bay / Beacon Hill (Boston)
Premium urban · walking distance to Financial District · expensive · younger analyst
Newton
Classic senior analyst suburb · top-rated schools · diverse · Green Line access
Wellesley / Weston
Premium suburbs · top schools · expensive · commuter rail to Boston
Brookline
In-town option · close to Financial District + Cambridge biotech · Green Line · expensive
Lexington / Belmont
Top-rated schools · partner-track family · 25 min to Boston · expensive
Cambridge / Somerville
Younger biotech finance demographic · close to Cambridge offices · Red Line · expensive
Newton is the classic Boston senior finance analyst suburb — diverse Newton Public Schools system, mature residential character, multiple Green Line + commuter rail access. Wellesley and Lexington are higher-priced alternatives with similarly strong school systems. Brookline is the in-town premium option for analysts prioritizing walkability over square footage.
¿Es la decisión correcta?
Massachusetts for financial analysts — when asset management depth and Cambridge biotech matter
A tu favor
- +Boston is the capital of US asset management ($4.5T+ at Fidelity alone)
- +State Street + Wellington + MFS create unparalleled asset management depth
- +Cambridge biotech corporate finance is distinctive
- +Bain Capital + Summit Partners + TA Associates strong PE depth
- +Harvard / MIT / Wharton talent pipeline creates exceptional local hiring
- +Boston cultural depth, walkability, and historical character are genuine quality-of-life assets
Vale la pena saber antes de firmar
- −MA 5% flat tax plus 4% Millionaire's Tax surtax adds meaningfully for senior analysts
- −Boston metro housing among the most expensive in the country
- −Cost of living absorbs significant portion of comp premium for staff/early-career
- −Top hedge fund / PE comp ceilings trail NYC at the very top
- −Winter (December–March) is genuinely difficult — meaningful lifestyle factor
- −Smaller venture capital ecosystem than Bay Area
Mercado Laboral en Massachusetts
Massachusetts tiene demanda activa de Analista Financieros.
Perspectivas de crecimiento: 8% growth through 2032 (faster than average)
Puestos relacionados:
Costo de Vida en Massachusetts
Massachusetts tiene un costo de vida variado según la región.
💰 Sueldo neto mensual: $7,715
🏠 Renta típica: $1,600/mo
📊 Después de renta: $6,115/mo
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