Business Details
Your Trusted Partner for Comprehensive Financial Planning Solutions
We are an independent firm dedicated to providing comprehensive financial planning services. Our approach centers on creating personalized roadmaps to help clients achieve their long-term financial goals. As fiduciaries, we prioritize clients' best interests through integrated management of financial life components, including asset management, retirement planning, and investment advice. Our team combines Certified Financial Planners with tax preparation professionals to deliver holistic solutions. We emphasize third-party perspectives to avoid emotionally-driven decisions and maintain transparency in all client interactions.Our services are tailored to address cash flow, investment strategies, tax management, estate planning, and education savings. We operate under a fiduciary standard, ensuring ethical compliance and client-centric outcomes. Our investment philosophy focuses on asset allocation aligned with lifestyle goals rather than market indices. We collaborate with clients' existing tax professionals when needed and maintain rigorous internal investment committee oversight.
Services
Comprehensive Financial Planning
Investment Management
Tax Planning & Preparation
Retirement Planning
Wealth Transfer & Estate Planning
Asset Protection Strategies
Education Savings Planning
Highlights and features
- We operate under a fiduciary standard requiring us to act in your best interest
- Our team includes Certified Financial Planners and tax specialists
- We provide integrated financial life management beyond basic investment advice
- Our investment committee oversees all allocation decisions
- We maintain transparency through no-obligation initial consultations
Associations and certifications
- Registered Investment Advisor
Services
Comprehensive Financial Planning
We create integrated financial roadmaps addressing retirement, investments, tax strategies, and estate planning. Our approach considers all financial components to help clients achieve long-term goals. Services include cash flow analysis, asset allocation, and personalized strategy development.
Investment Management
Our fiduciary investment services align portfolios with lifestyle objectives rather than market benchmarks. We develop asset allocation strategies through in-house committee oversight, using the same investments for client portfolios as our own company retirement plan.
Tax Planning & Preparation
We offer personal and fiduciary tax preparation services for financial planning clients. Our team includes Certified Public Accountants who coordinate with existing tax professionals to ensure compliance while optimizing long-term tax strategies.
Wealth Transfer & Estate Planning
Our services address estate tax minimization, legacy planning, and beneficiary designation reviews. We help clients develop strategies that reflect their values while reducing administrative burdens for heirs through proper documentation.
Retirement Planning
We analyze savings adequacy, develop income strategies, and address concerns about longevity risk. Our planning considers Social Security optimization, fixed income sources, and lifestyle adjustments for post-retirement life.
People
Michael P. Kumph
Financial Planner
Certified Financial Planner with Master of Science in Personal Financial Planning. Specializes in creating customized financial strategies for clients in Andover, MA.
Robert C. Miller
Financial Planner
Certified Financial Planner and MBA holder with expertise in investment strategies and retirement planning for Newburyport, MA residents.
Louis C. Bonasera
Financial Planner
Certified Public Accountant with Personal Financial Specialist designation. Focuses on tax-efficient financial solutions for clients in Newburyport, MA.
Michael A. Dempsey
Financial Planner
Certified Financial Planner and Enrolled Agent with specialization in comprehensive financial strategies for Andover, MA clients.
Anna Larina
Financial Planner
Certified Financial Planner providing personalized financial solutions to clients in Andover, MA with focus on long-term wealth management.
Questions
What services do you offer?
We provide comprehensive financial planning, investment management, tax preparation, retirement planning, and estate planning services tailored to individual client needs.
Are you legally required to act in my best interest?
Yes, as a Registered Investment Advisor, we operate under a fiduciary standard requiring us to prioritize client interests in all recommendations.
How are you compensated for services?
Our fees are tailored to individual planning needs and discussed transparently during initial consultations with no obligation or cost for the first meeting.
Do you offer tax preparation services?
Yes, we provide personal and fiduciary tax preparation services exclusively for financial planning clients or coordinate with existing tax professionals.
Can I schedule appointments outside regular business hours?
Yes, we offer evening and weekend appointments by request at both our Andover and Newburyport office locations.
What makes your investment approach unique?
Our investment strategy focuses on lifestyle goals rather than market benchmarks, with allocation decisions made by our in-house investment committee.
