Business Details
28 Years
experience
Your Trusted Financial Partner in Westford, MA
Perennial Advisors Group was founded on a commitment to help individuals achieve financial success through fiduciary responsibility and personalized service. Our holistic approach integrates financial planning, investment management, and tax expertise to align clients' financial lives with their personal values. With decades of combined experience, our team of certified professionals provides tailored strategies for retirement, college planning, inheritance management, and life transitions.We prioritize transparency through fee-only advisory services and maintain ongoing relationships to adapt to evolving financial goals. Our expertise spans global financial systems, advanced tax planning, and sustainable investment strategies that reflect clients' risk tolerance and life objectives.
Services
Financial Planning
Investment Management
Retirement Planning
College Savings Strategies
Inheritance Management
Divorce Financial Planning
Family Wealth Planning
Estate Planning
Tax Optimization
Employer Retirement Plans
Details
- Year established: 1998
Highlights and features
- We offer free initial consultations with no obligation
- Our fee-only advisors operate under strict fiduciary standards
- We provide transparent pricing with no hidden fees
- Our team holds advanced certifications including CFP and EA designations
- We combine 25+ years of global financial expertise with local service focus
Associations and certifications
- Certified Financial Planner Board of Standards
- Internal Revenue Service (IRS)
Services
Financial Planning
Our comprehensive financial planning service creates customized roadmaps for clients' financial futures. We analyze net worth, cash flow, and goals to develop strategies that optimize tax efficiency and wealth growth. Through ongoing reviews and adjustments, we ensure plans evolve with clients' changing life circumstances and market conditions.
Investment Management
We design and maintain diversified investment portfolios aligned with clients' risk tolerance and financial objectives. Our evidence-based approach combines asset allocation, tax-efficient strategies, and regular rebalancing to maximize long-term growth potential while maintaining appropriate risk levels for each client's unique situation.
Retirement Planning
Our retirement planning service addresses both pre-retirement preparation and post-retirement income management. We help clients optimize retirement account contributions, develop sustainable withdrawal strategies, and coordinate employer retirement plans with overall financial objectives to ensure financial security throughout retirement years.
Tax Planning
We integrate tax planning into all aspects of financial management to minimize tax liabilities. Our services include tax-efficient investment strategies, withholding optimization, and coordination with clients' tax professionals to implement legal tax reduction techniques that enhance overall financial outcomes.
Estate Planning
Our estate planning service ensures clients' wishes are honored through proper documentation and asset distribution strategies. We collaborate with legal professionals to create comprehensive plans that address inheritance goals, minimize estate taxes, and provide for loved ones according to clients' specific wishes and family circumstances.
People
David Carpenter
Founder & Managing Partner
David founded the firm in 1998 after working in international accounting roles. He holds advanced degrees in taxation and financial planning from Bentley University and combines global financial expertise with personalized service to help clients achieve their goals.
Kelsey Brennan
Financial Advisor & Partner
A CERTIFIED FINANCIAL PLANNER and Enrolled Agent with 8+ years of experience, Kelsey specializes in retirement planning and tax-efficient strategies. She graduated from Bentley University and serves on the NAPFA regional board while providing personalized financial guidance to clients.
Tyler Dostie
Financial Advisor & Partner
Tyler joined the team after earning his finance degree and achieving CFP certification. He focuses on creating tailored financial plans that address clients' unique goals while providing ongoing support to help them make informed financial decisions throughout their lives.
Questions
What financial services do you specialize in?
We specialize in comprehensive financial planning, investment management, retirement planning, tax optimization, and estate planning services tailored to individual client needs.
How does your financial planning process work?
Our process begins with a free initial consultation, followed by detailed goal assessment, strategy development, and ongoing portfolio management to adapt to changing circumstances.
Are you fee-only financial advisors?
Yes, we operate as fee-only advisors with transparent pricing and no hidden fees or product commissions, maintaining strict fiduciary standards.
Do you work with clients outside Massachusetts?
While based in Westford, we work with clients nationwide through virtual meetings and digital document management systems for convenient remote advisory services.
What credentials do your advisors hold?
Our team includes Certified Financial Planners (CFP), Enrolled Agents (EA), and professionals with advanced degrees in taxation and financial planning from accredited institutions.
What makes your firm different from others?
We combine personalized service with evidence-based investment strategies and comprehensive tax planning, maintaining long-term client relationships to adapt strategies as life evolves.
Reviews (1)
Dana Brown
Dec 26, 2018
Report
Ken helped me out tremendously. When it was an area that he didn't cover he assisted with recommendations of someone that could help me. I highly recommend.
