Independent Financial Advisor In Concord and Carlisle

When you need an independent financial advisor in Concord, Carlisle, Acton, Sudbury, Lincoln, or Westford

For individuals, I develop your personalized portfolios, then review them once a year at a minimum. Next, I advise on rollovers from your employer’s retirement plan, including plans in which you may own company stock. I then design strategies for income planning during your retirement.

Access to Thousand of Mutual Funds, Exchange Traded Funds (ETFs), and Variable Annuities

I have all the tools individuals, companies, and nonprofits need for their wealth management and financial planning for retirement. Because I am independent, there are no requirements to use a specific tool. Therefore you benefit from advice and products tailored to your unique financial needs.

Experience

More than thirty years of experience financially advising individuals.

Wealth Management Services for Individuals

Financial planning for retirement, rollover IRAs, individual 403bs, and all non-retirement accounts
Life and disability insurance needs analysis and then product design, including term insurance, whole life, universal life, variable life, and disability insurance.
Risk tolerance analysis
fi360 proposal report – compare your current assets to a portfolio that is generated based on your risk tolerance
Tax-reducing strategies such as municipal bonds, annuities, net unrealized appreciation, and selling a specific stock

Services for Owners and Executives

Non-qualified deferred compensation
Net unrealized appreciation (NUA)
Key person insurance
Transfer for value life insurance rules
stock options

Please be sure to speak to your advisor to carefully consider the differences between a company retirement account and an IRA investment. These factors include changes to the availability of funds, withdrawals, fund expenses, fees, and IRA-required minimum distributions.

Read More: Should You Roll Over Your 401k to an IRA?

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