Business Details
44 Years
experience
Your Trusted Partner for Comprehensive Financial Planning Solutions
Since 1982, Squam Lakes Financial Advisors has provided comprehensive, fee-only financial advice tailored to clients at every life stage. Our independent, unbiased approach prioritizes client needs through personalized financial roadmaps addressing retirement, estate planning, and business succession. With over 35 years of experience, we serve individuals and businesses in New Hampshire, Vermont, Maine, and Northern Massachusetts, integrating expertise from our affiliations with NAPFA and the National Association of Estate Planning Councils. Our fiduciary commitment ensures transparent, conflict-free guidance, focusing on long-term client relationships built on trust and measurable outcomes. 
Services
Financial Planning
Estate Planning
Retirement Planning
Succession Planning
Cash Flow Management
Details
- Year established: 1982
Highlights and features
- 35+ years of experience in fee-only financial planning
- Act as fiduciaries with no product commissions or conflicts of interest
- Personalized financial roadmaps for retirement, estate, and business succession
- Recognized expertise in tax-efficient and estate planning strategies
- Active community involvement and local market knowledge
Associations and certifications
- Accredited Estate Planner (AEP)
- National Association of Personal Financial Advisors (NAPFA)
What people say
Superior service
Independent and unbiased
Comprehensive planning
Recognized expertise
Trustworthy advisors
Services
Financial Planning
Our comprehensive financial planning service creates tailored strategies to achieve long-term goals. We analyze cash flow, investments, and risk management to build sustainable plans for retirement, education funding, and wealth preservation. With a focus on tax efficiency and client education, we provide actionable recommendations aligned with individual priorities and life stages.
Estate Planning
Estate planning ensures your assets transfer smoothly to heirs while minimizing tax liabilities. We coordinate with legal professionals to draft wills, trusts, and advanced directives. Our Accredited Estate Planner (AEP) designation guarantees expertise in complex strategies like credit shelter trusts and business succession frameworks tailored to family and business owner needs.
Retirement Planning
Our retirement planning service evaluates current financial status to develop sustainable income strategies. We optimize Social Security benefits, pension options, and investment withdrawals while addressing healthcare costs and longevity risks. Regular portfolio reviews ensure alignment with evolving market conditions and personal circumstances.
Succession Planning
Succession planning prepares businesses for ownership transfer through structured buy-sell agreements and valuation strategies. We collaborate with accountants and attorneys to create liquidity solutions using life insurance and internal cash flow, ensuring operational continuity during leadership changes while protecting stakeholder interests.
Cash Flow Management
Cash flow management services categorize fixed and variable expenses to optimize spending patterns. We identify savings opportunities while maintaining quality of life, balancing debt reduction with investment contributions. This foundational service supports all financial planning objectives through regular monitoring and adjustment.
People
Robert E. Maloney
Managing Member
Founder of Squam Lakes Financial Advisors since 1982, Robert brings 35+ years of experience in retirement and comprehensive financial planning. A NAPFA founding member and Accredited Estate Planner, he has received national recognition for service to the financial planning community and specializes in tax-efficient strategies for high-net-worth clients.
Questions
What does 'fee-only financial advisor' mean?
Fee-only advisors receive compensation solely from client fees, eliminating conflicts of interest from product commissions. This ensures objective recommendations aligned with your financial goals.
What services do you offer?
We specialize in financial planning, estate planning, retirement strategies, and business succession planning tailored to individual and corporate client needs.
Which areas do you serve?
Based in Holderness, NH, we serve clients throughout New Hampshire, Vermont, Maine, and Northern Massachusetts (Boston area).
What is an Accredited Estate Planner (AEP)?
AEP professionals meet rigorous education and experience requirements, demonstrating expertise in complex estate planning strategies and documentation.
How do you prepare clients for retirement?
We analyze cash flow, optimize Social Security benefits, and create sustainable withdrawal strategies while addressing healthcare costs and longevity risks.
