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Providing services: Financial Advisory, Financial Planning, Insurance, Loans, Retirement Planning, Wealth Management, Financial Reporting, Budgeting
Summary: Dave is a seasoned investment and wealth management leader with over 30 years of experience in investment management, private banking, and financial planning. In his career, Dave has served as a portfolio manager and advisor to individuals, families and institutions and thoroughly enjoys helping people meet their goals. He has managed investment teams and wealth management firms. Dave leverages his holistic and unique experience, expertise in asset allocation, portfolio management, risk management, and market analysis, as well as his CFA and CFP credentials, to help clients achieve their financial goals and objectives. He leads by doing and fostering a culture of collaboration, innovation, and excellence within his organization, driving growth and client satisfaction. Dave is passionate about serving his community and mentoring the next generation of wealth managers.
Providing services: Management Consulting, Strategic Planning, Leadership Development, Financial Advisory, Financial Planning, Change Management, Diversity & Inclusion, Negotiation, Public Speaking
Summary: MBA candidate at Harvard Business School. Highly interested in the health and biotech industry, transformation, growth, strategy, psychology, and socioeconomics. I like to tickle brains.
Providing services: Change Management, Negotiation, Business Consulting, Management Consulting, Marketing Consulting, Project Management, Financial Advisory, Backup & Recovery Systems, Computer Networking, Cybersecurity
Summary: I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. Please contact me to help you fully analyze your needs and recommend appropriate solutions. Neither New York Life Insurance Company, nor its agents, provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. I am not licensed in all jurisdictions. Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success. 10 New England Business Center Dr. Suite 205, Andover, MA 01810 My Commonwealth of Massachusetts Insurance license number is 21010776
Providing services: Financial Advisory, Financial Planning, Retirement Planning, Loans
Providing services: Financial Advisory, Business Consulting, Financial Analysis, Wealth Management, Retirement Planning, Financial Planning, Personal Tax Planning, Executive Coaching, Project Management, Financial Consulting
Summary: Lauris Lambergs is Co-founder and Chief Investment Officer of Renaissance Wealth Advisors, LLC, an independent advisory firm. Lauris has 25+ years of global professional experience in institutional investing, business management and family facilitation. By recognizing that each client has a unique family logic in considering and making complex financial decisions, Lauris is better able to partner with families to create and sustain long-term financial well-being. Lauris has developed particular expertise working with Cross-Border Families, clients with financial roots in both the US and elsewhere across the globe. While based in Boston, Lauris has been fortunate to travel extensively, having so far visited all 50 US states and 42 countries across 6 continents. This extensive time spent abroad – living, working and studying – has built upon a deep-seated passion to learn and experience new languages and cultures through travel, reading and study. When outside the office, Lauris plays competitive soccer, enjoys classic alternative 80’s music and, thanks in large part to the endless patience of his wife, has somehow learned to appreciate Impressionist art and good red wine.
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Providing services: Business Consulting, Financial Consulting, Financial Advisory, Management Consulting
Providing services: Business Consulting, Financial Planning, Financial Analysis, Financial Advisory, Insurance, Retirement Planning, Wealth Management
Summary: Committed and driven professional with over 15 years of progressive global experience – leading projects, growing customer relationships and managing stakeholders – in energy, banking, financial services consulting and business research with highly selective employers. Structured and logical thinker with distinctive problem solving and analytical skills combined with the ability to see “big picture” without losing detail. Perceptive and adaptive communicator with first-rate interpersonal skills and experience working with individuals at all levels from 6 continents. Interested in professionally and intellectually stimulating high-growth career opportunities that involve strategic thinking, decision making, multicultural team environment, global client interactions, business development, performance improvement and management and new business challenges. Specialities: Project Management • Team Management • Client Relationship Management • Corporate Strategy • Structured, Logical and Strategic thinking • Problem Solving and Analytical Ability • Strong Research and Report Writing Skills • Interpersonal and Communication Skills • Quantitative Ability – Modeling, Statistics, and Analytics skills
Providing services: Financial Analysis, Financial Planning, Financial Advisory, Insurance
Summary: -New Grad from Master of Mathematical Finance and Financial Technology program, Questrom school of Business, Boston University. -Interested in programming, stochastic and financial theories. -Optimistic, cheerful and studious graduate student. -Find more on 'www.zyxue3.wordpress.com'
Providing services: Management Consulting, Marketing Consulting, Career Development Coaching, Change Management, Executive Coaching, Leadership Development, Team Building, Financial Advisory, Financial Planning, IT Consulting
Whether you're a twenty-something who's looking to develop a long-term investment strategy, a successful professional planning for your retirement, or a senior who wants to create a lasting legacy with your estate, the right financial advisor can help you achieve your financial goals.
Boston's top financial advisors have the specialized skills, experience, and up-to-date industry knowledge it takes to help you make the most of your financial resources.
Financial advisors are professionals who work to help their clients create wealth through strategic investing, debt management, budgeting, and estate planning. They may also sell investment products such as mutual funds, stocks, bonds, and securities, as well as insurance and investment certificates. Some financial advisors provide general services, while others focus on a particular specialty, such as estate planning, retirement planning, or investment planning.
Top financial advisors have a combination of academic and professional training, as well as hands-on experience working in finances, economics, or accounting.
Most financial advisors have a minimum of a Bachelor's degree from an accredited college or university, and that degree is generally in the field of finance, business, or marketing. While an undergrad degree is considered to be the entry-level qualifications for financial advisors, it's becoming increasingly common to find a financial advisor who holds a graduate degree such as a Master's in Business Administration (MBA).
In order to work as a financial advisor, candidates need to successfully pass the General Securities Representative exam. Also referred to as the Series 7, this rigorous exam covers basic investment principles, ethics, and regulations regarding financial advice and investments.
Financial advisors are also generally required to hold a Series 63 license, better known as the Uniform Securities Agent State license. This credential allows licensees to work in multiple states, and it's mandatory in Massachusetts. The Series 63 exam covers the basic principles of state securities regulations, and in order to pass, candidates must achieve a score of 72% or greater.
Other credentials commonly held by independent financial advisors include the Certified Financial Planner, or CFP, certification. Administered by the Certified Financial Planner Board of Standards, this credential is the first non-health related certification program to earn third-party accreditation through the National Commission for Certifying Agencies (NCCA).
If you're like most people, you have a basic idea of what you should do with your money, but you're likely a bit unclear as to the specific steps you can take to reduce your tax burden, protect what you already own, and put your money to work for you and your loved ones.
In Boston, you can find a financial advisor who focuses on providing general financial advice and guidance. Also referred to as financial planners, these professionals can answer questions you might have related to finances and major life events such as paying for college, buying a home, getting married, and starting a family.
Seniors aged 65 and older currently make up 16.9% of the U.S. population, and that number is projected to grow to 22% by the year 2050.
According to John Csiszar, a financial expert who writes for GOBankingrates.com, Americans will need at least $53,691 per year to live comfortably, and that's in Mississippi, the least-expensive state for retirees. Seniors who plan on retiring in Florida should plan on spending a minimum of $62,883 annually, while retiring in the Big Apple costs close to $99,000 per year. Hawaii tops the list of the most-expensive retirement destinations at $125,259 per year. Massachusetts falls toward the more costly side of the spectrum at $82,217.
Regardless of your current age, you might want to find a financial advisor who can review your current investments and set you up on a financial plan that ensures you have the money you need to enjoy a comfortable retirement.
Investment planning is the process of determining your investment goals, and pursuing those goals by investing money in order to reach your financial objectives.
Investment planning can involve short and long-term financial goals. It considers factors such as your risk tolerance, taxation implications, your current and projected income, and when you plan on retiring.
In the hands of an experienced financial advisor, you can develop a customized investment plan tailored to the unique needs and preferences of yourself and your family.
Whether your family has amassed wealth through a family-owned Boston business, you've built up considerable equity in your Cape Cod vacation home, or you simply want to ensure the next generation can enjoy the same financial advantages you have had, a financial advisor can help you navigate the complexities of trust and estate planning.
Boston's top financial advisors know how to structure your assets and liabilities in a way that's as tax-efficient as possible, and that can make a tremendous difference when it comes to transferring wealth to your loved ones, your favorite charitable organization, or even a trust that you've established.
The estate planning process often involves working with multiple professionals including your lawyer and a tax planner, although if you find a financial advisor who's also a licensed accountant you may be able to forgo sourcing a tax planner.
Some of the trust and estate planning strategies that a financial advisor may employ include:
As the old adage goes, there are no bad questions, and that's especially true when it comes to talking with a financial advisor. That said, it can be a good idea to come up with a list of questions before you meet with your advisor, and if possible, you might want to forward those questions in advance of your meeting so they have a chance to prepare the information you need.
Some of the most common questions to ask a financial advisor are:
No. While many top financial advisors focus their practice on working with clients who already have considerable financial assets, financial advisors aren't just for the wealthy.
In Boston, you don't need a six-figure portfolio or a big trust fund to enlist the services of an independent financial advisor. In fact, financial planning services that are fee-based rather than asset-based are often geared toward clients who don't have the income or assets needed to justify the costs that come with comprehensive portfolio management services.
For example, there's a growing trend towards financial advisors offering low-cost in-person and virtual consultations for clients who aren't yet ready to retain a full-service financial advisor. During these consultations, the independent financial advisor will review your financial situation, answer any questions you have for them, and prepare a list of actionable steps you can take towards achieving your short- and long-term financial goals.
Financial advisor fees are based on the services they provide, which can include providing tax-planning advice, helping clients organize their estates, and placing market trades on behalf of their clients.
Advisors may work on a transaction-based fee structure, which means clients pay a commission or 'load' to make market trades or buy financial products sold by the advisor. Another common fee structure used by financial advisors is asset-based, whereby clients are charged a percentage of the value of the assets managed by their advisor.
Some Boston financial advisors also work on a flat fee or hourly basis, similar to how an accountant or lawyer bills for their services.
While there's no state rules around the use of the term financial advisor, there are clear rules and regulations around the use of the title investment advisor.
In Massachusetts, anyone who works as an investment advisor with less than $100 million in assets under management (AUM), with five or more Massachusetts-based clients, or who actively solicits financial investment clients in the state must be a Registered Investment Advisor (RIA).
As with any financial services professional, clients need to do their due diligence before signing on with a financial advisor, purchasing any financial investment products, or following tax and estate planning advice.
Yes. Many top financial advisors are well-versed in charitable gifting. These advisors can counsel you on the best ways to support your favorite cause, whether that's by establishing a private foundation, setting up charitable bequests or charitable remainder trusts, or gifting an asset such as bonds or a piece of real estate. A financial advisor can also help you navigate the tax laws regarding charitable donations so you can give the maximum possible amount to your cause.
Yes. Financial advisors work with business owners to establish comprehensive, financially sound succession plans that protect the equity you've built up in your company while reducing the tax burden for your successors. This can involve buy-sell agreements, estate freezes, and the use of life insurance to generate funds to cover any tax liabilities triggered by the transfer of ownership.
Financial advisors work with clients of all ages. In fact, the sooner you establish a relationship with a trusted financial advisor, the sooner you'll be able to make the most of your income and investments. A financial planner can help you establish financial goals at every stage in life, and working with an advisor early on gives you the time you need to build wealth, plan for your retirement, and set your family up for financial success.