Planning Tools for College, Taxes and More

Financial planning is like life:  A Journey, not a Destination.

These resources are here to provide useful guides and maps along the way.

These are just tools.  A hammer and chisel are just tools.  But handled well and in the hands of a craftsman, they can create masterpieces.

If you need help crafting your personal masterpiece, we welcome being a part of your team.

Useful Guides from the Financial Planning Association:

>>>   Starting Your Financial Plan

>>>   Kids and Money:  A Parent's Guide

>>>   Budgeting in the Real World

>>>   Retirement Realities: Planning for the Next Half of the Game

 

 

 

 

 

 

Do You Know if You're on Track?

Find out and get a Free Quick Start Roadmap and Personal Dashboard Tool

 

A First Step Towards Helping You Pursue Your Goals Starts with a Clear View of Where You Are and Where You Want to Be.

In 5 minutes you can complete our simple 3-step process.

  1. Tell us a little about your financial goals and current situation.
  2. Tweak your settings to see how small changes can improve your financial future
  3. Review your Starter Roadmap and personalized Dashboard designed to help you get on track and get ahead

GET STARTED >

Still not Sure?

Check Out This Short Video >

 

CPAs, Attorneys, Business Consultants and Realtors®  Click Here to Get a Video Overview of How This Value-Added Tool Works and Helps Your Clients

 

Avoiding Financial Scams:

How to Protect Yourself and Your Wallet

CFP Board is proud to announce the release of its latest publication, “CFP Board’s Consumer Guide to Financial Self-Defense.”


This new brochure, from CFP Board’s Consumer Advocate, Eleanor Blayney, CFP®, shares important tips to help the public:

•    Identify common “red flags” that signal an unethical or unqualified financial advisor,
 
•    Learn what they can do to protect themselves,
 
•    Take the steps required to select a qualified financial advisor, and
 
•    Feel empowered when making financial decisions with the help of an advisor.

Filled with unfortunate real-life anecdotes of consumers who experienced abuse at the hands of disreputable financial advisors – including many stories shared with CFP Board by CFP® professionals who assisted these consumers in recovering from the effects of that abuse – the Guide highlights the high standards of competency and ethics upheld by advisors who hold CFP® certification.


The Guide is available online at: www.CFP.net/financialselfdefense/

 

 Financial Education Resources

Sometimes all you need is a resource to get quick answers to your questions.

These links may provide you with the answers to some of your questions.

If you don't see what you're looking for here, then please call us directly at 978-388-0020 or 617-398-7494 (Boston) or 978-621-8268 (cell) or send an email to one of our board-certified financial professionals.

CLICK HERE >> Vanguard Research: Stock Market Volatility: Extraordinary or Ordinary - A Perspective - a White Paper from Vanguard Research on Investing in Volatile Times

CLICK HERE >> 10 Fundmentals of Investing - a Presentation About the Tried-and-True Concepts That All Investors Need to Know

  • The Value of Having a Plan
  • Understanding the Impact of Inflation on Future Wealth
  • The Impact of Taxes on Investing Strategies
  • The "Rule of 72"
  • The Advantages of Diversification and the Role of Equities
  • Controlling What You Can - The Impact of Investor Emotions

  
CLICK HERE >> Reinventing Your Retirement - a Presentation About Your Options and Steps to Take to Get Back On Track

  • Will I be able to afford to retire?
  • How do I get back on track?
  • Where's my "bailout"?


This presentation was first presented to the SalemWorks agency for workers in transition. The principles here will help anyone get back on track.

Some of the items covered include:

  • 10 Tips for Good Fiscal Health
  • The Fundamentals of Investing: Controlling What You Can
  • Understanding Retirement Distributions, IRA Rollovers and Taxes
  • The Impact of Investor Behavior on Investing Success
  • Estate Planning Basics - No Such Thing as a "Simple" Will but It's a Start
  • College Funding Options and the Impact on Retirement Planning

 

CLICK HERE  >> Protecting Wealth in Retirement: Tipping the Scales in Your Favor - a Presentation on Medicaid, Asset Transfers and What You Need to Know to be Prepared

  • What you need to know for Medicaid benefits asset preservation
  • New lookback and transfer rules
  • Kinds of investments, insurance and annuities that work
  • Partnership programs between certain states and long-term care insurance
  • Income and the Minimum Monthly Maintenance Allowance (MMMA)
  • Exempt transfers to siblings or caregivers

 

CLICK HERE  >>  Turning Your Real Estate Business Into Your Retirement Paycheck - a Presentation for Real Estate Investors with Options on Creating Passive Income

  • ABCs of Retirement Plans: Integrating a Simplified Employee Pension (SEP), Savings Incentive Match Plan for Employee (SIMPLE) or 401(k) with Profit Sharing into Your Real Estate Business
  • Passive Income Options with REITs and TICs
  • Sell and Exchange to Defer Taxes and Diversify Investments
  • The Power of Self-Directed IRAs
  • Diversifying Income Sources with Inflation Hedges Like TIPS, MLPs, REITs and Dividend-Paying Stocks

 

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