Financial Planning

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What Do You Want to Accomplish?

We offer both in-person and virtual planning services including on-demand financial and investment advice depending on your specific planning needs and personal preferences.

Get More Savvy About Money

  • Eliminate credit card debt
  • Stop living paycheck to paycheck
  • Increase my income
  • Pay down student loans faster
  • Build or improve my credit
  • Create an emergency fund
  • Know where my money is going
  • Start saving for retirement
  • Make smarter investment choices
  • Calculate and build my net worth

Navigate a Life Transition

  • Prepare for retirement
  • Going through a divorce
  • Loss of job
  • Getting married
  • Starting a family
  • Death of a spouse
  • Caring for a family member
  • Starting a business
  • An unexpected windfall
  • Career change

Use My Money to Improve My Life

  • Stop trading my time for money
  • Turn my hobby into a living
  • Become more savvy about investing
  • Quality time with friends and family
  • Go back to school
  • Give more to the causes I care about
  • Save for a vacation home
  • Retire early or start a new career
  • Travel more
  • Create a passive income stream
See How We Can Help >>

What Makes Our Planning Process Different?

We focus on one outcome – helping you live the life that you want

We understand the real reason people hire us, and what makes us unique, is our firm’s singular focus on helping you live your best life by making smarter financial and investment choices, and learning how to use the latest tech tools, devices, and Apps, to maximize your time and financial resources.

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Manage Your Financial Life On The Go

Our secure online planning tool aggregates what you own and what you owe, all in one place, allowing you to see your complete financial picture from anywhere at anytime. All updated daily.

  • View your total assets, liabilities and net worth
  • Know where your money is going
  • Monitor the performance of your investments including your companies 401(k) plan
  • Track the progress towards achieving your financial goals
  • Work collaboratively in real-time with your Financial Planner

Complimentary Initial Consultation

Before engaging our services, we offer a complimentary, no-obligation initial consultation where we can chat about where you’re currently at, where you would like to be, and what might be keeping you up at night. We will give you our honest feedback regarding our ability to help you achieve your objectives and address the financial challenges you may be experiencing.
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Meet Some of Our Financial Planners

Steven C. Johnson, ChFC®

Steve is a Chartered Financial Consultant, designee (ChFC) and a veteran of the investment and financial planning industries who began his career...

Katie E. Moore, CDFA®

As Chairperson of the Finivi Women and Wealth advisory team, Katie’s financial philosophy is deeply rooted in the idea of empowerment and education…

Jay Willwerth, ChFC®

With a background in accounting and finance, Jay has been providing his knowledge and expertise in financial planning and wealth management for...

More About Our Financial Planners >>

Our Recent Articles on Financial Planning

Managing your money and making a solid financial plan isn't easy. Our team consistently publishes new articles to help you along your financial journey.
best-crowdfunding-sites-for-small-businesses

6 Best Crowdfunding Sites for Small Business

If you’re ready to start or grow your small business, where will the money come from? Whether you’re beginning your journey as a small business owner or are looking for money to expand, crowdfunding might be the answer. Combining social media and the right platform, it can help you raise funds through friends, family, customers,…

Tokenized Art: A New Alternative Investment?

Tokenized Art: A New Alternative Investment?

Have you ever wanted to invest in art? Were you deterred by the high cost to buy a single piece, by not knowing what to invest in, or by concerns about how to store or display it properly to preserve its value? These are key reasons why many people haven’t invested in art, but art…

Questions to Ask If You’re Filing for Social Security in 2019

Questions to Ask If You’re Filing for Social Security in 2019

If you’re approaching retirement age or planning to file for Social Security in 2019, there are some changes to the program that you need to know. Understanding how you can qualify, when you should file, and what benefits to expect can help make you make a more informed claiming decision, and better prepare you in…

When Your Spouse Doesn’t Want a Divorce

Getting a divorce is one action that quarreling spouses might agree. However, there are possible situations when you want to sever the tie, but your spouse insists on staying married. What can you do if your partner won’t give you a divorce? First of all, no one can force you to stay married. Your spouse…

Top 3 Concerns UMass Memorial Healthcare Employees Have About Retirement

After 30 years or so helping dozens of UMass Memorial Healthcare employees better understand their retirement options, I thought I would share the three most common concerns I hear from many of them and hopefully by doing so, if you have these same or similar concerns, you will get a better understanding of how to…

Three Estate Planning Strategies to Take Advantage of Low Cryptocurrency Valuations

Bitcoin’s value has ranged from less than a penny to nearly $20,000 since its inception a little over ten years ago now. Within the last year alone, bitcoin’s value has fallen from $11,000 to a low of around $3,500. Many other digital currencies and tokens, which are referred to as “ALT coins” have seen their…

How Are Bitcoin and Crypto Taxed?

How Are Bitcoin and Crypto Taxed?

One of the cypherpunks’ original goals when developing digital money was to operate outside of government control, but the Internal Revenue Service has put a big damper on that possibility as we will discuss below. People who hold crypto largely for ideological reasons can still take a chance on evading taxes, and they may succeed….

What Questions Should I Ask at a Divorce Consultation?

You’re savvy enough to know that you need an attorney to counsel you about your divorce. The first step is selecting a divorce professional. If your divorced friends were satisfied with their legal representation, you could ask them for their lawyer’s contact details. Keep in mind that each case is unique. Just because your friend…

Your Better Life is Waiting on You. Let’s Get Started.

Where would you like to begin?

Financial & Investing
Advice-On-Demand
Starting at $99
Ideal for those seeking financial guidance in a particular area
Sample advice topics:
  • 401(k) Investment Options
  • Improving Your Credit Score
  • College funding strategies
  • Insurance Coverage Review
  • Student Loan Debt
  • Goal Accumulation Planning
  • Creating a Workable Budget
  • Social Security Options
  • Estate Planning Review
  • Navigating a Life Change
What You Get:

(Depending on the complexity of the advice you’re seeking)

30-60 Minute Initial Consultation


Action Plan & Strategy Creation


30 -60 Minute Review of Financial Plan and Action Steps


30-Day Access to a Financial Planner by Email, Phone, Skype for the topic covered (Up to 30 Minutes)

Ongoing
Financial Guidance
Starting at $49 per month
Ideal for those serious about making better financial decisions & designing the life they want
Sample advice topics:
  • Plan Implementation
  • Navigating Life Changes
  • Major Purchase Decisions
  • Building & Improving Credit
  • Your Employee Benefits
  • 401(k) Investment Options
  • Estate Planning Questions
  • Insurance Questions
  • Budgeting & Cash Flow
  • Investing & Tax Questions
What You Get:

Ongoing Access to a Financial Planner by Phone, Email, Skype


Secure Planning Website & Financial Dashboard


On-Going Financial Coaching


Quarterly/Annual Plan Reviews (As applicable)


Accountability check-ins to help you stay on track (If requested)

Comprehensive
Financial Plan
Starting at $1,499
Ideal for those who want a holistic review and guidance regarding their complete financial life
What we can cover:
  • Lifestyle and Career Goals
  • Budgeting & Debt Mgmt
  • Cash Flow & Savings Goals
  • Credit Report Review
  • Retirement Planning
  • Income Tax Analysis
  • Estate Planning Strategies
  • Stock Option Planning
  • Insurance Coverage Review
  • Employee Benefits Review
What You Get:

Secure Planning Website & Financial Dashboard


Thorough review and analysis of your complete financial life


Personalized Financial Plan with Clear, Actionable Advice


60-90 Minute Review of Financial Plan & Action Steps


30-Day Email, Phone, Skype Financial Planner support in putting your plan into action (Up to 90 Minutes)

Schedule a Consultation >>

Eric C. Jansen, ChFC

Fun Facts About Me

When he is not researching the next great stock to add to client portfolios, you can find him travelling frequently with his family to Jackson Hole Wyoming.

Steven C. Johnson, ChFC

Fun Facts About Me

Steve would tell you that one of the best parts of the day is spent talking to clients and relationships that result from it. When away from the office, he loves to travel the back roads of New England enjoying all the great sites that can be found off the beaten path.

Frederick M. Lane, ChFC, CASL

Fun Facts About Me

When not managing client portfolios, Fred can be found relaxing with family and friends.

Catherine Utley

Fun Facts About Me

Catherine M. Gareri

Fun Facts About Me

When not caring for her clients Cathy enjoys relaxing in her yard at home.

Katie E. Moore, CLTC

Fun Facts About Me

When Katie is not busy taking care of her clients, she spends her time being a mom to her two little ones, Owen and Isla.

Herbert Kyles

Fun Facts About Me

When Herbert isn't reviewing your portfolio or assisting you with your financial well-being you can probably find him relaxing with friends.

Hesper Duval

Fun Facts About Me

Loves spending time with 2 daughters and enjoys participating in 5k obstacle races throughout the year.

Donna Fournier

Fun Facts About Me

When not cheering for the Patriots Donna spends her free time travelling throughout the U.S. looking for new haunted places to explore. She loves wearing her cowboy hat and boots when travelling out west.

Anne Whitney

Fun Facts About Me

Steve Taylor

Fun Facts About Me

Sarah Kupec

 

Cathy Hession

Fun Facts About Me

When away from the office, Cathy enjoys working out and participating in the 26.2 mile Jimmy Fund Marathon Walk each September.

Kieran Lavery

Matthew Cleary

In his free time, Matt likes to hike, camp and travel with his wife Gina.

Justin Giuliano

When not helping clients, Justin enjoys spending time with his wife and family while settling into his new home.

Nicole LeGuern

In Nicole’s spare time, she enjoys outdoor activities with her four kids such as sports, hiking, boating and fishing. She also loves to volunteer her time in helping organizations fundraise such as the American Diabetes Association.

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