Government Employees’ Retirement Systems (Federal/State and Municipal):

For employees who pay into a retirement pension system, there are many factors to consider to ensure a well-funded retirement. As a team, we specialize in helping pre-retirees understand ALL sources of potential income that directly affects their entire family, including spouses and children. Using a software package to illustrate different income streams, we help our clients understand ways to maximize their pension benefits as part of their whole financial picture, when to claim social security benefits, how to minimize taxation and when to take certain incomes. We encourage our clients to use their pensions as a tool to plan their income, but also to make sure they are diversifying into other asset classes that can help both taxation, liquidity and protection against inflation.  Our goal is to help people plan for an enjoyable retirement and while considering that the cost of living for many fixed incomes may not keep up with true cost of living, especially with extended life expectancies well past retirement page.

With the recent passage of the Social Security Fairness Act of 2025, the previous policies of the WEP (Windfall Elimination Provision) and GPO (Government Pension Offset) have been eliminated. Our team specializes in this topic and is featured regularly at industry events on this topic. Every pension eligible household will have a different experience based on the age of household members as well years paying into Social Security, Pension Systems or a combination of both. We offer initial complimentary consultation to help you discover what resources you will need to claim all benefits to which you are entitled.

The main pension systems we consult on are the FERS (Federal Employee Retirement System), BRS (Blended Retirement System- Military), the Massachusetts State Pension, and MTRS. These are the main Pension systems we see regularly, and we do work with others are well that have similar calculations. Please feel welcome to reach out to book an initial conversation. Our goal is for you to feel empowered, knowing what claiming options you have for your family to make the best decisions moving forward.

Medical / Dental Practices & Privately Owned Professional Services Businesses:

For many professional services businesses that are privately owned, the owners are highly educated in their respective fields such as Medical, Dentistry, Engineering and Law firms, to name a few. The knowledge gained to be able to offer Health, Wellness and Legal Services did not come overnight. You have committed to your craft and have spent years in advanced education at some of the world's top universities to practice in your field and create a vision for your firm.

You have taken risks in life and invested both money and years into a very high opportunity cost for potential future success. You have taken further risks by being entrepreneurial and although you have created amazing opportunities, the day-to-day of running a business with scale and profitability has led to complexities. We help restore your most precious commodity: time. We help privately held professional businesses in a number of ways by designing accumulation strategies with a focus on tax efficiency, liquidity, and asset protection. We plan out some of these strategies from 1 to 10 years +, so you have a roadmap of how to achieve your definition of success. Services include the following:

Design of a 401k, SIMPLE IRA or other qualified plan to allow both you and employees to save for retirement

Full integration into payroll systems that you already use without additional costs

Review of Advanced Savings Strategies such a Defined Benefit Design, Cash Balance Plans, 412(i) vs 412(e) (3) Plans

Non-Qualified Deferred Compensation

COLI (corporate owned life insurance)

Voluntary Benefits that allow owners to offer group protection at little or no cost to the company that allow flexibility in offering and can be used to attract, retain and reward employees.

Business Succession and Transition Strategies- Continuity of Ownership Planning

Funding of Buy-Sell agreements to protect the equity and value of your business.

Please feel welcome to book a complimentary and confidential meeting to discuss your vision and concerns for making sure all of your years of investment are rewarded for your commitment to your craft.