We believe two things separate us from other firms. The first is our staff, who continually work to provide with exceptional client service. The second is our focus on technology. We are constantly looking for ways to improve our process to make it better and faster for our clients. We believe that working as efficiently as possible helps to improve accuracy, efficiency, and allows us to keep the cost to the client at a minimum.
The majority of our clients are individuals and small business owners. We have extensive experience in helping our clients grow an idea into a thriving company. Our clients understand that while they may be great at what they do, they need professional help with the financial side of their business. We offer our expertise in all aspects of their business life cycle, from the initial startup through the preparation of their annual tax returns and financial statements.
Yes, we have staff members who specialize in each. When you schedule your initial consultation, simply explain a bit about your current situation and we will ensure that you are paired with the staff member best suited to your needs.
The process is simple: First you’ll need to decide if you’d rather come to our offices for an appointment, or whether you’d rather complete the process remotely. You can schedule your appointment online, simply provide us your information ahead of time, and the appointment is used to finalize the return and review your unique tax situation. We encourage you to ask questions, and we will gladly review any areas of interest. If you would rather complete your return remotely, you can provide us your information by mail, drop it off at our office, or utilize our secure web-portal to provide it electronically. We will prepare your return, and contact you by either phone or email to finalize it. We electronically file all of our returns, and clients can choose if they would like their copy of the return in either electronic or paper format. We encourage clients to use our electronic option since it is the greener option, and allows them to print additional copies anytime they are needed.
If you are interested in becoming a client, simply complete the “Free Initial Consultation” form located on each page of this website, or call our office at 781-233-4138. We would be happy to meet with you to discuss your needs and see if our services might be a good fit. We recommend bringing your prior year’s income tax return to our initial meeting, since it gives us a good idea of the complexity of your unique situation.
A few things set our firm apart from other financial planning firms. First and foremost is our background in taxation. Because all of our advisors are also Certified Public Accountants, you can be sure that we always consider the tax consequences of every decision that we make. This also allows you to have a single point of contact for your financial planning, investment management, and tax preparation needs. You will not need to worry whether your financial planner and accountant are properly working together in your best interest. Secondly is our team approach. All of our advisors are involved in the financial plan preparation and portfolio design for each of our clients. While you would have an advisor that is your primary point of contact, you would still be free to call with questions or concerns even if that advisor was not available. There would always be someone in the office who would be happy to answer any questions, or help you with whatever you might need. Finally, we believe that our clients themselves make us different. While many wealth management firms focus on recruiting “high-net-worth individuals” with many millions of dollars, we instead focus on those clients for whom we believe we can make a difference. We focus on clients that have between $350,000 and $3 million invested with us, and we believe that these are the clients who can most benefit from our services.
Our typical clients are individuals and small business owners with between $350,000 and $3 million of investable assets. While many wealth management firms focus on “high-net-worth individuals,” we instead focus on those clients for whom we believe we can make a difference. Our goal is to work with each of our clients to design a financial plan appropriate for them, and to manage their portfolio in line with that plan. Over time, we believe that we can help guide our clients toward the financial goals that they have set for themselves. Our clients realize that they have neither the time nor the desire to manage every aspect of their financial life, and are excited by the prospect of a long term relationship with a professional to help ease that burden. They are looking for a Certified Financial Planner™, and not for a product salesman.
Yes. While we do not have a minimum investment amount, we do have a minimum fee of $3,500 per year. This fee includes all of our services, from financial planning and investment management, to the preparation of your annual income tax return. Anyone who desires to gain control of their finances and better position themselves for a successful financial future can benefit from our services simply by paying this minimum fee.
No. We charge no up-front fees, and are only compensated by the monthly fee based on the size of your investment portfolio. Also, while some believe that their retirement accounts will be taxed if they are transferred, this is not the case. So long as the account that they are moved to is also a retirement account, there are no tax implications to this transfer.
The investments that we recommend depend upon each client’s financial situation. We typically favor no-load mutual funds and exchange traded funds for clients’ portfolios, since we believe that they provide greater diversification than can be achieved through individual stock selection.
Because the majority of our clients are retirement-minded, our approach to portfolio design is long-term oriented. We do not believe in trying to pick individual stocks, nor do we believe in trying to time the market. Instead, we have found that maintaining a diversified portfolio over time is the best path toward financial success.
We have no access to the funds in our client accounts, other than the ability decide how the account is invested, and to debit our monthly fee. Each account is held by Fidelity Investments, who act as custodian of your funds. We may request that funds from the account be distributed to you, but Fidelity Investments will not send checks made payable to anyone other than you, nor to any address other than yours without your signature. You can rest assured that you, and only you, have access to your funds.
Absolutely. We are licensed to sell insurance, and have an insurance specialist on staff. As part of the financial planning process we will look at your current insurance situation and advise you if any changes need to be made. You may then choose to have us help you with making these changes, or use an insurance provider of your own if you already have one. With respect to estate planning, we work very closely with a number of attorneys who offer solutions to this need. If you already have a qualified attorney, we would also be happy to work with them.