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Services

We provide a full array of comprehensive Wealth Management Solutions. Feel free to contact us for a complimentary initial consultation or brief introductory conversation to determine how we might partner with you toward achieving your financial goals.

Financial & Estate Planning

We will work with you to design your personalized financial plan and to monitor your progress on an ongoing basis.  We collaborate, as desired, with family members, business partners and other financial professionals to ensure that all pieces come together in the most effective manner.  We work with you to implement your financial plan, recommending various strategies and a broad array of financial products for your consideration.

  • Fee Based Financial Planning
  • Retirement Investment Planning
  • Estate Preservation
  • College Planning
  • Business Succession Strategies
  • Tax-Reduction Strategies

Investment Management

We begin by getting a clear understanding of your overall financial goals and your goals for each investment account.  We discuss your investment preferences and concerns, your attitudes toward risk and your time frame for the assets in each account.  To implement your various investment strategies, we'll work with you to build appropriately diversified portfolios, with access to the following:

  • Fee Based Managed Accounts
    • Mutual Funds and ETFs
    • Socially responsible Investments
    • Individual Stocks and Bonds*
    • 529 Plans
    • Fixed and Variable Annuities
    • Alternatives Investments: various REIT offerings

    *General securities are available only on an unsolicited basis.

    Risk & Protection Services

    We discuss with you your general attitudes toward risk, underline various risks and review the various option to manage and / or mitigate various forms of risk.  We will perform a full policy and beneficiary review, as well as the review of trusts that may own certain policies.  We can offer access to the following solutions:

    • Life Insurance
    • Disability Income Protection
    • Fixed and Variable Annuities
    • Business Income Continuation, Succession and Estate Planning strategies
    • Long-Term Care Planning
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    Employee Group Benefit Plans

    We provide a consultative review of all your employee benefits, looking to ensure that any benefits offered are fulfilling their intended purpose and are the most cost-effective available.  We can propose solutions in the following areas:

    • Employer sponsored retirement plans
    • Group Insurance
      • Health and Dental Care
      • Life Insurance
      • Short Term and Long Term Disability Income coverage
      • Long Term Care insurance
    • Employer sponsored Retirement Plans:
      • 401(k) Plans: Safe-Harbor, Cross-Tested and New Comparability designs
      • 403(b) Plans
      • Profit Sharing Plans
      • SEP IRAs
      • SIMPLE Plans
      • Executive Deferred Compensation Plans
      • Cash Balance Plans:  integrated design with Defined Contribution Plans
    • College Funding Strategies

    Services for Physicians

    Thanks to our collaborative community, and our affiliation with Baystate, we are also able to offer Services for Physicians - PIAM, a program dedicated to assisting individual physicians and medical practices navigate the ever-shifting healthcare regulations represented by federal initiatives like Medicare and Medicaid, health care legislation reform, malpractice insurance providers, and a host of other challenges specific to the medical field.


    Disability and Special Needs

    We specialize in working with families dealing with the complexity of special needs dependents.  Our personal advisors will work with the person with a disability or other special need, their family members or caregiver in the following areas:

    • Understand the social, medical, and legal needs of the person with the disability or special need 
    • Review your financial picture
    • Learn about options that make sense for your situation
    • Ensure benefits such as Medicaid or Supplemental Security Income won't inadvertently be jeopardized
    • Maximize finances, and help maintain the lifestyle of the individual with special needs.