Retirement Planning & Wealth Management in Greater Boston
Helping you improve your financial outlook now and in the future.
When Boston Independence Group designs financial strategies, we utilize whatever combination of strategies and products makes sense for your particular set of goals and objectives. That includes forming strategic partnerships with tax professionals and attorneys who can advise you on specific aspects of your financial strategy.
Retirement Planning & Wealth Management in Greater Boston
Helping you improve your financial outlook now and in the future.
When Boston Independence Group designs financial strategies, we utilize whatever combination of strategies and products makes sense for your particular set of goals and objectives. That includes forming strategic partnerships with tax professionals and attorneys who can advise you on specific aspects of your financial strategy.
Retirement Planning & Wealth Management in Greater Boston
Helping you improve your financial outlook now and in the future.
When Boston Independence Group designs financial strategies, we utilize whatever combination of strategies and products makes sense for your particular set of goals and objectives. That includes forming strategic partnerships with tax professionals and attorneys who can advise you on specific aspects of your financial strategy.
What We Have To Offer
We offer a variety of holistic wealth management, investment and retirement planning services in the greater Boston, MA area. When we take on a new client, we make sure to leave no stone unturned by developing a comprehensive retirement plan that covers retirement concerns and risks.
Click or tap below to learn more about some of our most popular financial services.
Investment & Wealth Management
Investment & Wealth Management
A disciplined investment strategy is an ongoing process that involves balancing your portfolio to address risk and return objectives, tax implications and a myriad of other factors. Risk management is mission critical. It is our job to ensure the ongoing liquidity and the preservation of your assets – through market cycles – with a level of risk you’re comfortable with.
A disciplined investment strategy is an ongoing process that involves balancing your portfolio to address risk and return objectives, tax implications and a myriad of other factors. Risk management is mission critical. It is our job to ensure the ongoing liquidity and the preservation of your assets – through market cycles – with a level of risk you’re comfortable with.
A disciplined investment strategy is an ongoing process that involves balancing your portfolio to address risk and return objectives, tax implications and a myriad of other factors. Risk management is mission critical. It is our job to ensure the ongoing liquidity and the preservation of your assets – through market cycles – with a level of risk you’re comfortable with.
Retirement Tax Strategy & Minimization
Retirement Tax Strategy & Minimization
Retirement Tax Strategy & Minimization
The need for a tax strategy is quite possibly the most important topic to consider in your retirement planning. The tax laws are constantly changing, and as they do, so does your strategy. We can help you chart those waters and develop a tax minimization plan for you throughout your retirement years to ensure you keep as much of your money as possible.
The need for a tax strategy is quite possibly the most important topic to consider in your retirement planning. The tax laws are constantly changing, and as they do, so does your strategy. We can help you chart those waters and develop a tax minimization plan for you throughout your retirement years to ensure you keep as much of your money as possible.
Roth IRA Conversions
Roth IRA Conversions
A Roth IRA Conversion is a powerful retirement tax planning tool. If you think taxes will go up in the future, this strategy can be used to avoid higher tax rates by locking in historically low tax rates now. Roth IRA conversions can be a great retirement tax strategy, but they aren't right for everyone. We'll take a comprehensive look at your entire situation to determine if this strategy is right for you.
A Roth IRA Conversion is a powerful retirement tax planning tool. If you think taxes will go up in the future, this strategy can be used to avoid higher tax rates by locking in historically low tax rates now. Roth IRA conversions can be a great retirement tax strategy, but they aren't right for everyone. We'll take a comprehensive look at your entire situation to determine if this strategy is right for you.
Social Security Timing & Optimization
Social Security Timing & Optimization
Social Security Timing & Optimization will help you achieve three important goals for retirement with Social Security: Eliminate the need to work longer than planned, avoid running out of money in retirement, and ensure you are using all available Social Security claiming strategies to your benefit. We will determine when is the best time to take Social Security benefits given all possible claiming options; what is known as the break even analysis. We will also identify opportunities to maximize benefits through enhanced claiming strategies including taking spousal benefits where applicable, and increasing eligible income through tax planning strategies.
Social Security Timing & Optimization will help you achieve three important goals for retirement with Social Security: Eliminate the need to work longer than planned, avoid running out of money in retirement, and ensure you are using all available Social Security claiming strategies to your benefit. We will determine when is the best time to take Social Security benefits given all possible claiming options; what is known as the break even analysis. We will also identify opportunities to maximize benefits through enhanced claiming strategies including taking spousal benefits where applicable, and increasing eligible income through tax planning strategies.
Retirement Income Planning
Retirement Income Planning
A retirement income plan can include Social Security, defined benefit plans, defined contribution plans, the assets you've accumulated through your 401k or IRA, the pension benefits you may have earned over the course of your work history, savings outside of tax-advantaged retirement accounts, annuities, and income you may receive from other investments. With so much to factor in it's important to have professional advice. Our financial advisors are trained to help you prepare for retirement by identifying what income sources will be available to you during retirement and then help you structure a portfolio that can provide you with guaranteed monthly or quarterly distributions for life.
A retirement income plan can include Social Security, defined benefit plans, defined contribution plans, the assets you've accumulated through your 401k or IRA, the defined benefit pension benefits you may have earned over the course of your work history, savings outside of tax-advantaged retirement accounts, annuities, and income you may receive from other investments. With so much to factor in it's important to have professional advice. Our financial advisors are trained to help you prepare for retirement by identifying what income sources will be available to you during retirement and then help you structure a portfolio that can provide you with guaranteed monthly or quarterly distributions for life.
Legacy & Estate Planning
Legacy & Estate Planning
A proper estate plan can help your loved ones move on easily once you're no longer with them. We'll work with you to develop a plan to pass on your assets and legacy your way. We can help your heirs avoid probate and unnecessary tax consequences, make sure you have up to date wills and medical directives, and even make charitable contributions to the organizations you value most. Let us put our experience to work for you.
A proper estate plan can help your loved ones move on easily once you're no longer with them. We'll work with you to develop a plan to pass on your assets and legacy your way. We can help your heirs avoid probate and unnecessary tax consequences, make sure you have up to date wills and medical directives, and even make charitable contributions to the organizations you value most. Let us put our experience to work for you.
Long-Term Care Planning
Long-Term Care Planning
Long-term care and rising health care premiums can be a potentially devastating expense for retirees. Let us assist you in evaluating your short and long-term care coverage and help you develop a holistic approach to ensure that no matter what life throws your way, you'll be ready for it and your assets will be protected.
Long-term care and rising health care premiums can be a potentially devastating expense for retirees. Let us assist you in evaluating your short and long-term care coverage and help you develop a holistic approach to ensure that no matter what life throws your way, you'll be ready for it and your assets will be protected.
401(k) & 403(b) Rollovers
401(k) & 403(b) Rollovers
The transition from working to retirement involves a number of important decisions. Don't leave your retirement plan behind. First, know what investment options you have with a 401(k). Then, decide upon a rollover strategy. You'll want to review this information from time to time—we can help you stay on track for retirement.
The transition from working to retirement involves a number of important decisions. Don't leave your retirement plan behind. First, know what investment options you have with a 401(k). Then, decide upon a rollover strategy. You'll want to review this information from time to time—we can help you stay on track for retirement.
Insurance Strategies
Insurance Strategies
Life is short, it is precious and fragile. Everyone needs financial protection to make sure that they can take care of their loved ones. We help our clients at every phase of life from the very young to the elderly, from those who are starting a business to those who want to protect what they have worked so hard for, and everything in between. Don't wait until a tragedy strikes. Be prepared!
Life is short, it is precious and fragile. Everyone needs financial protection to make sure that they can take care of their loved ones. We help our clients at every phase of life from the very young to the elderly, from those who are starting a business to those who want to protect what they have worked so hard for, and everything in between. Don't wait until a tragedy strikes. Be prepared!
Are you ready to take the next step on your financial journey?
Are you ready to take the next step on your financial journey?
Schedule a time to meet so we can discuss how we can help navigate you through the planning process.
ATTENTION RETIREES
QUIZ: What's your #1 "Retirement Mistake?"
Take this FREE QUIZ to identify which of the five (5) areas of retirement is potentially your biggest "Retirement Gap” right now - and get a no-cost, customized report with your results and suggested next steps.
Let’s talk!
Boston Independence Group
182 Turnpike Road, Suite 227, Westborough, MA 01581
Advisory Services offered through Change Path, LLC an Investment Adviser. Boston Independence Group and Change Path, LLC are not affiliated.
Licensed Insurance Professional. Respond and learn how insurance and annuities can positively impact your retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency. ARE-10581 | XXXXX – 2021/X/X
Let’s talk!
Boston Independence Group
45 Lyman Street, Suite 17, Westborough, MA 01581
Advisory Services offered through CreativeOne Wealth, LLC an Investment Adviser. Boston Independence Group and CreativeOne Wealth, LLC are not affiliated.
Licensed Insurance Professional. Respond and learn how insurance and annuities can positively impact your retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency.
Let’s talk!
You can also find us here:
Boston Independence Group
45 Lyman Street, Suite 17, Westborough, MA 01581
Advisory Services offered through CreativeOne Wealth, LLC an Investment Adviser. Boston Independence Group and CreativeOne Wealth, LLC are not affiliated.
Licensed Insurance Professional. We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.
Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss in a period of declining values. Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company. ARE-10581 21506 - 2021/11/2