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Peabody Financial Planners

Peabody financial planners can offer professional assistance and advice with a wide variety of services. Certified Massachusetts financial advisors can hep you creating a budget, choose investments and even plan your retirement. One of the most important, yet sometimes overlooked services that financial planners can offer Peabody residents is estate planning. While estate planning might sound like something that only very wealthy MA residents need, it is actually something that everyone with loved ones should consider. Estate planning refers to the process of designating your finances to your dependents, family and other entities in the event of your death or a situation that leaves you incapacitated. These aren't things many people like to think of, but they are important to protecting your family. Estate planning includes creating a will, determining how to distribute your funds to minimize taxes, and ensuring that your wishes are met after you pass away.

Many tasks related to estate planning, including designating a power of attorney for medical reasons, should be handled with the help of a Massachusetts attorney who specializes in the field. A Peabody financial planner can assist you with the individual decisions you make regarding the distribution of your assets, including the repayment your debts, taking care of trusts for your dependents and handling your investments. Making arrangements for your loved ones after you're gone can be difficult, but creating a living will can give you the peace of mind that your family is protected and that your assets will be distributed according to your desires.

Financial Assistance for Estate Planning

When it comes to preparing your estate for the future, a Peabody financial planner can help you make many important decisions, such as naming beneficiaries for your IRA or 401k account, as well as helping you determine what will happen to your retirement savings in the event of your death. With the help of a Peabody financial planner, you can limit estate taxes by naming charities you wish to support and establishing annual gifting both during and after your lifetime. A Peabody financial planner can help you realize the greatest tax savings available to you, minimizing financial stress for your loved ones while maximizing the assets that will be left for them. As estate taxes near 40 percent, the expertise of a certified personal finance advisor can be well worth the expense.

One of the most important tasks that Peabody financial planners can assist you with is creating your living will. A will is important for MA residents of all incomes and backgrounds. Creating one can save your family the expense and legal hassles that come with being unprepared in the face of an unexpected tragedy. A Peabody financial planner can help you organize and analyze your assets so you can better understand how you would like to divide them in the event of your death. A Massachusetts attorney should help you create your will in addition to your Peabody financial advisor.

Choosing a Personal Finance Planner

Peabody financial planners can help you with many aspects of your personal finances, not just estate planning. When researching personal finance planners, there are many aspects that you should consider. The first question you should ask prospective financial planners is whether or not they are certified by the state of Massachusetts. Look for the "CFP" suffix after their title. If advisors are certified with MA, you can search online to see if any complaints have been made against them. Investigating planners online is a great way to compare advisors in Peabody and surrounding areas to find the perfect one for you. Look for reviews and references that can help you determine the overall reputation of different planners and to determine which ones have the areas of expertise that you need.

Another factor to consider when researching personal finance planners in Peabody is whether or not you would like to work with a large, corporate firm or a smaller Peabody company, perhaps even a single personal consultant. Large firms offer structure and consistency, while small companies or single advisors offer individualized attention and, often, a stronger personal relationship. Weighing these factors and deciding ahead of time what you want out of a personal finance advisor can help you determine the kind of company with which you would like to work.

Estate planning is an ongoing process that can change with your long-term goals, relationships and desires. Working with a trusted financial advisor in Peabody can allow you to make adjustments as your priorities change. Beyond estate planning, Peabody financial planners can help you with all aspects of your personal finances, from developing a budget that allows you to reach your long-term goals to creating a retirement strategy that lets you enjoy your golden years in comfort.

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Financial Planners in Peabody

Bill Hayes, CFP
Bill Hayes, CFP
374 Court Street
Plymouth, MA 02043

Fredric Weldon, CFA
Fredric Weldon, CFA
550 Cochituate Road
East Wing, Floor 4, Suite 25
Framingham, MA 01701

Joseph Skees, CFP, Managing Partner
Joseph Skees, CFP, Managing Partner
767 Islington Street
Unit 1D
Portsmouth, NH 03801

This website provides information related to the subjects covered. Before making any financial or legal decisions, a professional should be consulted.