Personal Financial Planning

At In The Money Retirement Planning, we help New England business owners and professionals bring clarity, structure, and confidence to their financial lives. Our approach goes beyond managing investments—we integrate every part of your financial picture into one clear strategy so you can make decisions with confidence and stay on track toward your goals.

What Is Personal Financial Planning?

Personal financial planning is more than a budget or investment account—it’s a comprehensive, ongoing process designed to give you control over your entire financial life.

We begin by understanding your current situation in detail:

Assets & Liabilities – What you own and what you owe
Income & Expenses – How money flows in and out
Goals & Priorities – What you want to achieve in the short and long term

From there, we work with you to create a strategic roadmap for reaching those goals—whether that means retiring on your terms, funding a child’s education, buying property, or creating a legacy.

Effective financial planning delivers:

Organization – Bringing order to your finances so nothing falls through the cracks
Peace of Mind – Knowing you have a plan and a partner to guide you
Better Decisions – Understanding the trade-offs before making big moves
Adaptability – Adjusting your plan as life changes
Confidence – Staying on track toward your version of success

Our Fiduciary, Client-First Approach

Choosing a financial advisor is one of the most important decisions you’ll make for your future. We’ve built our process to put your interests first—always.

Fiduciary Commitment – We are legally and ethically bound to act in your best interest. Our recommendations are objective, transparent, and free from commission-based conflicts.

Client-Centric Philosophy – We take the time to understand your values, priorities, and life circumstances before making any recommendations.

Specialized Experience – We have deep expertise working with business owners and professionals whose personal and business finances are interconnected.

Local Roots, Regional Reach – Based in New England, we understand the local economic and tax environment while serving clients throughout the region.

Integrated Financial Planning Services

Your finances are interconnected—changes in one area can ripple through the rest. That’s why our planning integrates every element into a single, cohesive strategy.

Retirement Planning
We design a plan that ensures you have the income you need to maintain your lifestyle, with tax-efficient strategies to make your assets last.

Investment Management
We build and manage portfolios aligned with your goals, risk tolerance, and timeline—integrating them into your broader plan, not treating them as a stand-alone service.

Cash Flow & Budgeting
We analyze how money moves through your life, helping you optimize savings, reduce waste, and align spending with your priorities.

Risk Management
We review your insurance and protection strategies—life, disability, liability, and more—to safeguard your income and assets.

Family Governance & Legacy Planning
We facilitate structured family discussions to align values, prepare heirs, and create intentional strategies for passing on wealth and responsibility.

Our Personal Financial Planning Process

Step 1: Discovery Call
A complimentary 30-minute conversation to learn about your goals and challenges, and for you to get a feel for how we work.

Step 2: Deep Dive & Strategy Development
We gather detailed information about your finances, values, and objectives, then design a personalized strategy to align your money with your life goals.

Step 3: Implementation & Ongoing Partnership
We put your plan into action and meet regularly to review progress, make adjustments, and help you adapt as life and markets change.

Clarity, Confidence, and Control Start Here

Whether you’re a business owner preparing for retirement, a professional navigating career transitions, or a family wanting to secure your financial future, we can help you bring every part of your finances into focus.

📞 Schedule your complimentary consultation today and take the first step toward a clearer, more confident financial future.

If you’d like, I can now create a short, high-impact homepage version of this and the other service pages we’ve rewritten, so your main pages stay concise for visitors but link to these more detailed versions for SEO and deeper engagement. Do you want me to prepare that set next?

SCHEDULE A CALL