Financial strategies must change in the face of changing market conditions, and we’re all seeking investment guidance to help us make the right choices for ourselves and our families – whether we’re building our nest egg or contemplating retirement.
Our hope is that one of the Financial Advisors in the following section can offer the advice you need for your unique situation.
“In the specialized field of wealth management it is essential for Financial Advisors to understand their clients’ family goals. We have always believed that without understanding a family’s specific goals it is impossible to create the right financial plan. Often times Financial Advisors are more interested in managing client’s money within their financial models, rather than understanding what the client really needs. For example, a family that has more money than they will ever need in their lifetime, which are now focused on the passage of wealth to future generations or on philanthropic planning, are going to have vastly different risk levels than a family who is in the wealth building stage of their lives. This is why it is important for us to understand where you are today, and where you want to be in the future. Managing money for people of substantial means is a very specialized field; it is about tax planning, estate planning, family structures, gifting, asset protection and multiple generation planning, and it is important to understand the family dynamic in order to create a financial plan that is customized in order to help meet the client’s needs. Managing the assets is only part of the process, but not all of it.” The Botta-McCarron Group at Morgan Stanley Smith Barney
As family wealth directors, we would like to invite you to a very individualized experience of global financial strength.
The Botta-McCarron Group utilizes the vast resources of a world-class financial organization to help meet the complex, and often, unique needs of families with wealth. As Financial Advisors, we and our team can help provide you with access to some of Morgan Stanley Smith Barney’s most specialized wealth advisory services such as family governance and dynamics, philanthropic services and aggregated reporting. Each Financial Advisor on our team is highly skilled in analyzing the complex opportunities and challenges you may face. Personal attention and global resources—the combination creates a high quality offering for our wealthiest clients and their families.
Making Life and Wealth Work Together Our goal is for you and future generations to enjoy your wealth without worry. Achieving that end begins with distinguished advisory capabilities, which are essential elements—indeed, prerequisites—for the work we do. As a customized strategy takes shape, our access to sophisticated resources and exclusive, tailored investment opportunities may help make sure your wealth is used to its full potential. The members of the Botta-McCarron Group bring a combined total of 60 years* of experience helping meet the needs of high-net-worth individuals, their families and businesses. Our consultative approach means we seek to understand your vision, your preferences and your unique circumstances before we formulate the wealth strategy that helps to meet your needs.
Bringing You Both Intellectual Strength and Outstanding Services Because we understand that significant wealth may cause a great deal of complexity, our goal is to bring balance to your financial life with close attention to detail. You may need institutional-caliber investment capabilities. You may also be looking for a new caretaker for a vacation home; someone to handle the consignment of your artwork; advice to help conduct business abroad; or a strategy that turns the value of your restricted stock into seed money for your daughter’s start-up firm. We look at these situations with well-trained eyes. Years of experience with some of the world’s wealthiest families have honed our ability to help anticipate opportunities and given us the wisdom to discern what makes the most sense for a given individual or group. With first-class capabilities all over the world we can execute a strategy suited to your needs, always with the goal of expanding the possibilities that your resources represent.
We invite you to be a member of our “club”, because that is how we view it. We are not for every family, but for those who feel our approach to wealth planning is the right fit for their needs. Chemistry is everything and we would like to start the journey of getting to know each other to see if there is a good fit.
Frank Botta, CFP®
Frank has been a Certified Financial Planner® since 2003, and is also a Family Wealth Director at Morgan Stanley Smith Barney, a designation earned by less than 1 percent of the 18,000 financial advisors at the firm. To view more information on Frank, Dan and the rest of the group please visit the Botta-McCarron group website at:
Frank has lived on the North Shore for the past 15 years with his wife Jean, son Drew and daughter Olivia. He is a member of Salem Country Club, coaches Nahant Youth Soccer and Nahant Little League and sits on the board. Also, Frank is involved with the MSPCA as well as other local charities.
Frank Botta, CFP®
Senior Vice President
Family Wealth Director
The Botta-McCarron Group at Morgan Stanley Smith Barney
125 High Street, 24th Floor, Boston, MA 02110
Hanson Financial Group offers comprehensive financial planning and investment management services with a focus on personal financial planning for retirees, and surviving and divorced partners. We work within our clients’ existing financial plans and work with other professional advisors clients may have to help navigate a clear path for their financial future.
At Hanson Financial Group, we carefully manage the size of our firm to ensure that we remain accessible to each and every client. We strive to be a lifelong preferred advisor by offering sound guidance and a high level of personal service. Our clients view us as a solutions provider, overseeing the many dimensions of their family’s financial affairs. As a result of their confidence in us, Hanson Financial Group was named one of Boston’s 2010 and 2011 FIVE STAR Wealth Managers*, a prestigious honor awarded to less than seven percent of wealth managers in the Boston area.
Hanson Financial Group is affiliated with Baystate Financial Services, one of New England’s oldest and largest privately owned financial services firms. For over a century, Baystate has provided professional asset management, insurance, estate planning, business succession strategies, employee benefits, retirement funding, long-term care insurance and education funding strategies. (www.baystatefinancial.com)
Heidi Hanson, President, Hanson Financial Group, is a CERTIFIED FINANCIAL PLANNER™ practitioner, an Investment Advisor Representative of Baystate Wealth Management, and a Registered Representative of New England Securities. A graduate of Providence College, she holds Series 7, 6, 63 and 65 securities registrations, as well as life and health insurance licenses. Heidi and her family live in Beverly, MA., where she is as member of the Essex County Estate Planning Council, the Financial Planning Association and the Association of Divorce Financial Planners.
Heidi L. Hanson, CFP®
Certified Financial Planner™
President, Hanson Financial Group
Thomas T. Riquier, CFP®, CLU, President of The Retirement Financial Center, is a CERTIFIED FINANCIAL PLANNER™ Professional and an Ed Slott Master Elite IRA Advisor Group™ member.
Tom constantly evaluates economic trends in order to recommend appropriate portfolio changes. In September 2008 – the worst economic year since the Depression of 1929-1939 – Tom made the tough recommendation to his clients to liquidate all securities. When he felt the market was nearing the bottom in early March 2009, Tom advised his clients to reenter the market by investing 40% of the portfolio. In June 2009, he followed with the remaining 60%. Tom believes “your financial success is not only determined by how much you make when the markets go up, it is also determined by how much you don’t lose when they go down.”
Tom has 40 years of experience in retirement income planning, finance, insurance, and pre-retirement planning. He understands the unique financial needs of seniors and is well-versed in IRA laws and rulings.
Tom’s financial planning objectives for his clients include: increasing investment income, decreasing tax liability, and protecting your money.
The Retirement Financial Center is a comprehensive financial services firm committed to helping our clients improve their long-term financial success. Tom and his team are dedicated to providing the sound guidance, education and expertise required in every phase of financial, tax, and retirement income planning.
Let us help maximize the growth of, and income from, your money so that you can retire or stay retired with confidence. Call 978-777-5000 for a no fee first appointment and a copy of our latest newsletter.
Celebrating 40 Years!
Thomas T. Riquier, CFP®, CLU
President of The Retirement Financial Center
The Retirement Financial Center
Financial planning is the process of organizing and allocating your financial resources to meet your life’s plan. It’s the business plan for your family that carefully targets each area of your life: …your home, your spouse, your children, your security, your lifestyle, your legacy and your imagination.
At Cornerstone Financial Partners LLC, we take the time to get it right. We understand every family is unique and the vision of your life is yours alone. We help people plan for more than market cycles, we help them plan for lifetimes.
While what we do is complex, what motivates us to do it is very simple: we want to help people. That desire is the foundation of our firm and the spirit that drives us every day.
We believe the business of financial planning is a business of professional experience and personal insight, of using collective wisdom to achieve individual aspirations. At the same time, we draw on the vast technological and informational resources of Raymond James, one of the nation’s leading financial services companies. The result is a visionary financial plan that is both comprehensive in scope and as distinctive as a fingerprint.
Carlie L. Dugan, Managing Partner of Cornerstone Financial Partners LLC, an Investment Advisor Representative and Registered Representative of Raymond James, recently launched the firm after 12 years of managing the Private Wealth Group at Danversbank. Along with her former teammate, Greg L. Miner, Vice President of Cornerstone Financial Partners LLC, an Investment Advisor Representative and Registered Representative of Raymond James; she has expanded the depth and breadth of services provided. Carlie recently became a member of the 2012 Raymond James Executive Council*, acknowledging an extremely high level of commitment to clients through personal service and professional integrity.
The Advisors at Cornerstone Financial Partners specialize in serving two core groups of clientele: Those individuals or families at or nearing retirement, or within 10 years of that stage in life; and those with emerging wealth who are just beginning to develop a life plan.
Getting ahead of the curve can make all the difference. Call us today for a confidential consultation.
Carlie L. Dugan
Branch Manager, RJFS
Cornerstone Financial Partners LLC
900 Cummings Center
Suite 307-T, Beverly, MA 01915
Well, it’s especially true in the world of financial planning. Finding an objective, independent advocate who places your interests first isn’t easy. Perhaps Freedman Financial is the solution for you.
For more than 43 years we’ve been delivering financial planning in what we believe to be the right way. The way you’d expect it to be delivered.
When you engage in a relationship with Freedman Financial, you can be certain that we will commit to understanding your complete financial picture before offering any recommendations or pieces of advice.
Unlike the traditional “financial advisor” approach of selling you a product first and asking questions later, we rely on a time-tested planning process that has allowed us to maintain a 95% retention rate with our clients over the past 20 years.
We are a firm dedicated to working with North Shore families, and individuals who recognize that the primary step in planning STARTS with helping you get your financial house in order.
By reviewing tax returns, estate documents, investment accounts, bank statements, benefits booklets and spending habits, we can help you craft a long-term plan that aligns with YOUR UNIQUE LIFESTYLE; not a cookie-cutter model that can be solved by answering a few items on a questionnaire.
If you’ve ever wondered if “real financial planning” could be delivered without feeling like you had to “buy something” first, now’s the time to learn how our nationally-recognized approach to independent, objective planning can deliver financial peace of mind to you and your family.
As Certified Financial Planner professionals, we are required under our code of ethics to deliver a “Client First” approach.
Since 1968, we have provided a no-fee initial consultation. This allows both you and our team the opportunity to determine whether your needs and our services are a proper fit. We would be delighted to send you our information package at no cost to you. In addition, we’d like to send you our newly published “Retirement Resource Booklet” as an added bonus. Please call us today to find out how we can help you and your family plan for the road ahead.
Marc S. Freedman, CFP®
Certified Financial Planner™
Marion B. Gilman, CFP®
Certified Financial Planner™
There is much uncertainty in the economic marketplace today. The economic downturn and new legislation have confused, derailed and often delayed the transition plans of many business owners. We help answer some important questions as you look into your future…
- What is the purpose of my money?
- What happens to my business if something happens to me?
- How do I maximize the value of my business as I move toward a transition?
- What is the current value of my business?
- Is it enough to maintain the integrity of my lifestyle after I transition from my business?
- When is the right time to transition?
- Do I have a plan?
Whether you are looking to sell your company or transition it to the next generation, holistic financial planning and wealth advisory should be applied before, during and after a transaction. By understanding your goals and objectives, we are able to develop strategies to help optimize value and reduce risk for your business. We have a variety of tools and services to help you implement the strategies that are right for you.
Business owners like you often find there is a gap between successfully running your business and reaching your personal goals. We focus on helping you bridge that gap. With our highly credentialed and successful advisors, strong skill set and deep experience in working with business owners, we can help you create value for your business, and empower that value to serve your personal aspirations. We have a variety of tools and services to help you implement the strategies that are right for you. Just as importantly as providing the right answers, we will ask the right questions, to clarify your objectives, and to show you how to reach them. We invite you to join the exclusive group of business owners who work with us to enrich their lives and those of their families, foundations and interests.
David Poulin, CIMA® CPWA®
Financial Advisor, Senior Vice President – Wealth Management
David Clayman, CMT®
Financial Advisor, Senior Vice President – Wealth Management
Joseph Verri, CRPS®
Financial Advisor, Vice President – Wealth Management
Kimberly Van Winkle
The Bay Colony Group at Morgan Stanley Smith Barney
950 Winter Street
Waltham, MA 02451
For 20 years, Enterprise Investment Advisors has provided comprehensive and unbiased financial planning and investment management to clients. Our team of investment and trust professionals manage more than $500 million in assets for individuals, families, non-profits, endowments, and foundations.
Our client-centric approach begins and ends at the same point: your unique needs. We begin by understanding your current position, your future goals and the objectives that must be included in a successful plan.
We know that your financial questions reflect the unique challenges you face. Enterprise Investment Advisors provides a local point of access to world-class investments and a team of expert advisors to answer your questions and design strategies to meet your individual goals.
After careful analysis, we match your objectives to practical actions, balancing ambitions with a clear assessment of risk. As we pursue that strategy, we continually communicate with you, one-on-one, to review your plan and assess our progress. At all times, our process is conducted under strict regulatory oversight; every action is monitored by our Portfolio Managers, Relationship Managers, Investment Committee, and reported directly to you. In addition to our investment management expertise, we can act as a trustee and provide full trust administration and trust accounting services as needed.
As a fee-based financial advisor, objective advice is the cornerstone of our business. Enterprise Investment Advisors is completely transparent to you. We are backed by the strength and stability of Enterprise Bank and, as a trust company, we are held to the highest fiduciary standards.
Let our skilled advisors help you work toward a secure financial future. Call today for a complimentary consultation.
Certified Financial Planner (CFP®)
Chartered Financial Consultant (ChFC)
Certified Trust & Financial Advisor (CTFA)
Accredited Estate Planner (AEP)
Enterprise Investment Advisors
Louis J. Beaulieu, ChFC, CTFA, AEP
8 High Street
Andover, MA 01810
No group felt the impact of the 2009 recession more than those nearing or just entering retirement. As the financial markets gradually show signs of recovery, new questions and challenges arise: Will you need to work longer than planned? Do you need to increase savings or adjust spending? What can you do now to better protect your assets and your lifestyle in retirement?
As an independent financial professional, I can help you find the answers you seek. I’ve focused my practice on understanding the unique challenges people face in preparing for retirement, and to provide personalized guidance that puts my clients’ goals first.
It’s important to understand that my approach doesn’t begin with answers or solutions. Instead, it begins with questions and a conversation that will help determine what is unique about you and your situation. Once we’ve determined your needs, preferences and goals, I will provide the analysis and research required to develop a strategy tailored to your individual needs that reflects your objectives and tolerance for risk.
Corneau Wealth Management
100 Cummings Center, Suite 110J
Beverly, MA 01915
Buying a home is exciting, scary, and one of the biggest financial commitments you will ever make. At NMTW Community Credit Union, we walk home buyers through the entire process. NMTW offers free pre-approvals, local decisions, and no points, no closing costs options for 1st time buyers. An NMTW home loan is a smart decision whether you’re in the process of searching for a new home or looking to save money by re-financing your current loan.
“Most lenders are competitive with their rates,” stated NMTW Community Credit Union Vice President of Home Financing Judy Dodier. “The NMTW difference is that we provide personalized service, portfolio loan options, and match home buyers to a loan that fits their needs and situation.”
In addition to mortgages, NMTW offers sound financial products and services, including savings and checking accounts, youth accounts, auto loans, credit cards, and free eServices. Membership is open to anyone who lives, works, or attends school in Middlesex or Essex counties.
NMTW Community Credit Union
110 Newbury St. (Rte 1 South)
Danvers, MA 01923
Additional Branches: Haverhill, Lowell, and Framingham