Financial Services

Jonathan P. Cormier, EA and Leonard D. Rea, EA, CFP® (Enrolled Agent, Certified Financial Planner™),  serving individuals and businesses in the Massachusetts area since 1986.

As a CFP® professional, my team and I can help you meet your goals through proper management of your finances. Life goals can include buying a home, saving for a child’s education, retirement and estate planning just to name a few.

Financial Services include:

Cash Management and Budgeting:

Planning cannot begin without effective control of cash and a workable budget.

Risk Management & Insurance:

Taking proactive steps to manage risk through prudent action and the use of insurance is essential to the financial plan as assets accumulate.

Income Tax Planning:

Keeping up with tax law changes and forming our plan to take advantage of those changes ensures that you avoid paying more than your fair share of tax.

Estate and Retirement PlanningEducation Planning:

Walking through the maze of newly created education deductions, credits, savings plans, and minor trust accounts is more complicated than ever. Determining the best combination of these options requires in-depth evaluation as there are income limitations and varying rules for each.

Retirement Planning: Individuals

The advantage of the tax deferred options available to you, as well as non-qualified plans can be evaluated for optimum after tax retirement results.

Business Clients: Pension Plan & Profit Sharing Plans:

Qualified retirement plans (e.g. defined-contribution or defined benefit plans, Keoghs, SEPs, SIMPLES…) can provide significant tax advantages for closely held businesses and self-employed individuals. We can assist you in evaluating the type of pension plan that will best serve the retirement needs of you and your employees.

Estate Planning:

Effective estate and gift planning facilitates the orderly transfer of assets to your beneficiaries, provides security for your surviving spouse, and can reduce or eliminate the tax due on the transfer of your business and other assets. For business owners, providing for business continuity and succession of ownership is essential. We can guide you through the complex process of getting your financial affairs in order.

We provide comprehensive financial planning encompassing all of the above areas or can focus on individual areas that may need attention.