Business Details
23 Years
experience
Independent Financial Advisors in Belmont, MA
Founded in Massachusetts in January 2003, Moore Advisors (MFA) operates as an independent fiduciary and fee-only Registered Investment Advisor. Our firm prioritizes client interests through comprehensive financial planning, tax planning, investment management, and college planning services. We specialize in delivering personalized advice tailored to mid-career professionals, baby boomers, LGBTQ+ individuals, parents of college-bound students, and solopreneurs. As fiduciaries, we maintain strict ethical standards by avoiding product sales, commissions, or referral fees. Our team focuses on building long-term relationships through transparent communication, behavioral finance insights, and customized strategies aligned with clients' risk tolerance and life goals.With over two decades of experience, we combine technical expertise in tax-sensitive investing, estate planning coordination, and ESG-integrated portfolios to help clients achieve financial confidence. Our limited-term hourly engagements and wealth management solutions cater to clients with $500,000+ investable assets, emphasizing cost-effective institutional funds and proactive tax minimization strategies.
Services
Financial Planning
Tax Planning
Investment Management
College Planning
Wealth Management
Details
- Year established: 2003
Highlights and features
- We operate as independent fiduciaries with no product sales or commissions
- Our fee-only model ensures transparent, conflict-free financial advice
- Specialized expertise in college planning and tax-sensitive investing
- Personalized investment strategies with ESG integration capabilities
- Proven process for optimizing Social Security and minimizing taxes
Associations and certifications
- Registered Investment Advisor
Services
Financial Planning
Our comprehensive financial planning service creates customized roadmaps for achieving life goals. We analyze your complete financial picture to develop strategies for retirement preparation, tax optimization, and legacy planning. By focusing on your unique circumstances and risk tolerance, we help build confidence in financial decision-making through ongoing guidance and regular plan updates.
Tax Planning
We specialize in tax-sensitive investment strategies and proactive tax minimization planning. Our approach includes Roth conversion analysis, tax loss harvesting, and coordination with CPAs to implement strategies that reduce lifetime tax burdens. We focus on opportunities for retirees and pre-retirees to optimize Social Security benefits and manage required minimum distributions effectively.
Investment Management
Our investment management service builds diversified portfolios aligned with individual risk profiles and financial goals. We implement evidence-based strategies using low-cost institutional funds and ETFs while incorporating ESG principles when appropriate. Regular monitoring and rebalancing ensure portfolios remain aligned with market conditions and client objectives through changing economic environments.
College Planning
We provide specialized guidance for college-bound families, focusing on cost optimization and financial aid strategies. Our service includes merit scholarship analysis, financial aid appeal support, and multi-year cost projections. We help families navigate admissions processes while developing sustainable payment plans that balance educational goals with long-term financial health.
Wealth Management
Our wealth management service integrates financial planning, tax optimization, and investment management for clients with $500,000+ investable assets. This comprehensive approach addresses retirement income strategies, estate planning coordination, and behavioral finance challenges. We deliver ongoing support through regular meetings and market insights to maintain plan relevance across life's transitions.
People
Susan Moore
Founder & Chief Investment Officer
With over 20 years of experience, Susan leads investment strategy and portfolio management. She specializes in tax-efficient investing and behavioral finance, holding FINRA Series 65 certification. Susan focuses on creating evidence-based investment solutions for clients.
Donna Cournoyer
Senior Financial Planner
Donna provides comprehensive financial planning services with expertise in college funding strategies. She holds CFP certification and has specialized training in helping LGBTQ+ clients achieve financial security through personalized planning approaches.
Rob Kania
Wealth Advisor
Rob specializes in retirement income planning and tax optimization strategies. A CFA charterholder with 15+ years in wealth management, he helps clients navigate complex financial decisions while maintaining fiduciary standards.
Alex Kania
College Planning Specialist
Alex focuses exclusively on college planning services, helping families optimize education funding. With expertise in financial aid processes and merit scholarship strategies, he provides specialized guidance for parents of college-bound students.
Questions
What makes Moore Financial Advisors different from other firms?
We operate as independent fiduciaries with no product sales or commissions. Our fee-only model ensures unbiased advice focused solely on client interests.
What services do you offer for college planning?
We provide comprehensive college planning including merit scholarship analysis, financial aid optimization, and multi-year cost projections to help families make informed education decisions.
How are your investment management fees structured?
Our fees start at 1% of the first $1 million in assets under management, decreasing for larger portfolios. We provide detailed fee disclosures before any service implementation.
Do you work with clients outside Massachusetts?
While based in Belmont, MA, we serve clients nationwide through virtual meetings and digital collaboration tools for both ongoing and limited-term engagements.
What tax planning strategies do you specialize in?
We focus on tax-loss harvesting, Roth conversions, and Social Security optimization. Our approach coordinates with CPAs to implement strategies that reduce lifetime tax liabilities.
How do you incorporate ESG principles into portfolios?
We offer socially responsible investing options using funds that follow Environmental, Social, and Governance principles while maintaining diversified, risk-appropriate allocations.
