Retirement Planning

No matter what your vision of retirement is, we'll help you get there.

Learn More ▾

Retirement Planning at Finivi

In the past, you worked, you saved, you retired -- and, in that world, providing linear retirement planning solutions for that straightforward path was sufficient. We know that this isn’t the world we live in anymore, as the very concept of retirement is being re-defined, and so has our approach to traditional retirement planning.

What's your definition of retirement?

Whether you’re planning a more traditional retirement, semi-retirement, early retirement, a series of mini rolling retirements, or are thinking of taking a sabbatical, you came to the right place. Our financial advisors will help you design your ideal life by helping you maximize the financial resources you have while planning for any unforeseen challenges life might throw your way.

Our fee-based, in-person, or virtual retirement planning services provide you with unbiased guidance and actionable advice in all areas of planning and investing for whatever your version of retirement may be.

See How We Can Help >>

Retirement Planning Process

Define Your Retirement Vision and Lifestyle

  • Explore your desired timeline & lifestyle
  • Estimate the cost of living your preferred life
  • Review “what if” scenarios

Examine Your Current Financial Situation

  • Review your financial and other assets
  • Evaluate income sources & liabilities
  • Review current investment strategies, risk management, and tax status

Create Actionable Financial & Investing Strategies

  • Properly link your savings and investment strategies to your income and lifestyle goals
  • Develop a step by step guide with checkpoints to get you to where you want to be

Monitor and Update Your Plan

  • Provide ongoing guidance and coaching to help you stay on track
  • Monitor and adjust your financial plan, income and investment strategies as your life evolves and circumstances change

Learn More >>

Our retirement planning services also include (1) Helping you determine at what age can you realistically retire with your desired lifestyle, (2) Social Security claiming strategies, (3) Planning for post-retirement healthcare costs, (4) Creating the income you need to live the lifestyle you want, (5) Survivor income options and (6) How to appropriately invest your retirement plan assets.

Social Security Retirement Income

Your Social Security retirement benefits are primarily determined by how much you earned while working and when you ultimately elect to begin receiving benefits. However, there are many other nuances that should be considered before making your election that could make a substantial difference in your lifetime benefits.

Social Security Claiming Strategies Review

Whether you are married, single, divorced or widowed, and are thinking of retiring this year, next year or in a few years, a Social Security Claiming Strategies Review can help you better understand what benefits you are eligible for, the claiming options available to you, and the right time and manner to file that maximizes your Social Security income and best fits your needs.

Here is what’s included:

A customized report that will help answer these key claiming questions:

  • What will my benefits be under various claiming scenarios?
  • What are the pros and cons of delaying my benefits filing?
  • How do cost-of-living adjustments impact my benefits?
  • How do Medicare premiums impact my Social Security payments?
  • How would continuing to work after claiming impact my benefits?
  • Will my benefits be subject to income taxes?
  • How do I maximize survivor benefits available for my spouse?

A 30-Minute telephone or video conference with a financial planner

  • Review your claiming strategies report and answer your questions
  • Discuss the five key factors you need to consider before claiming
  • Discuss strategies to reduce or eliminate taxes on your benefits
  • Review the benefit claiming process
  • Discuss your action steps moving forward

Depending on your individual needs, your review may also cover:

  • How divorce impacts spousal benefits
  • What to do if your spouse or former spouse dies
  • How remarriage affects your survivor benefits from a former spouse

Learn More >>

Schedule a Consultation >>

Post-Retirement Planning

Learn how your spending patterns, investment decisions, plans for managing unforeseen healthcare costs, and the way you're drawing income from your retirement assets can have a significant impact on your retirement lifestyle and how long your retirement funds may last. Get the answers you need to make smarter post retirement planning choices along with actionable advice on how to maintain, or even improve your retirement lifestyle.

Here is what you will learn:

How can I generate the income I need to maintain the lifestyle I desire?

  • How do Required Minimum Distributions (RMDs) work?
  • How much can I safely withdraw from my retirement plans each year?
  • How do I prioritize which assets to utilize in my distribution plans?
  • What impact will different withdrawal amounts and investment returns have on my ability to generate a lifetime income?

How can I generate the income I need to maintain the lifestyle I desire?

  • Am I taking more risk than necessary with my retirement funds?
  • How should I invest my retirement assets to best achieve my income and lifestyle goals?
  • Am I paying too much in investment management fees?
  • How do I handle that annuity I purchased from my broker?
  • How are my retirement funds performing?

What happens if I pre-decease my spouse or if I lose my health?

  • How should I plan for potential unforeseen healthcare costs?
  • Will my spouse have enough income if I predecease him/her?
  • How can I protect my retirement funds and other assets if I (or my spouse) need some form of long-term health care?

How can I reduce or eliminate taxes on my Social Security benefits?

  • Review your claiming strategies report and answer your questions
  • Discuss the five key factors you need to consider before claiming
  • Discuss strategies to reduce or eliminate taxes on your benefits
  • Review the benefit claiming process
  • Discuss your action steps moving forward

Learn More >>

Our Recent Articles on Retirement Planning

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…

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…

Creating a Financial Wellness Program for Your Employees

How many times do you think about your finances in a day? A study by the American Psychological Association reports 62% of respondents say money is their most common source of stress. And that stress spreads into your business, impacting productivity, physical health, and the ability to focus. Adding a program for financial wellness support…

How to Retire in 20 Years or Less

Have you ever thought about how many more years you have to work? For someone in their mid-20s, you could have a long way to go considering the official retirement age is 65. That’s forty more years of working in a job you may not love, or forty more years of being obligated to show…

The Freelancer’s Guide to Saving For Retirement

As a freelancer, you have full and total control over your work. You decide what you do, where you do it, and how you get things done. The freedom and autonomy are attract many workers to self-employment in the first place. But if you already freelance, you know this line of work doesn’t come without a…

When Your Biggest Financial Goal Gets Real: What to Think About Before You Retire

When you were in your 20s and 30s, retirement seemed like a distant dream. But now that you’re in your 40s or 50? It sure looks a lot closer, and it’s fast approaching. To make your retirement the best experience possible – and to enjoy the lifestyle you want once you step out of your…

Are Mini-Retirements Right For You?

With pensions dying out and the responsibility to save enough in your working years to pay for decades of life without a paycheck squarely on workers’ shoulders, the traditional idea of retirement may no longer be realistic for most. That might not be a bad thing, though. Working full-time until 65 or 70 years old, then…

The Importance of Incorporating Your Retirement Accounts in Your Estate Plan

You know you need to do some estate planning to properly protect yourself, your assets, and your loved ones. But is your plan complete, or did you leave a few key assets out of those documents by mistake? Most people are unaware that retirement accounts are an important estate plan component. Fewer still understand the…

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.

  • Hometown: Townsend, MA
  • Birth Month & Year: December, 1967
  • Favorite Hobby: Playing Hockey
  • Favorite Food: Chicken Caesar Salad
  • Can't be interrupted when: Watching the Bruins
  • Hidden Talent: Cooking – Makes a great Thanksgiving turkey
  • Something on bucket list: Travel to Italy and Greece
  • Family Pet: Max – our Pomeranian

Frederick M. Lane, ChFC, CASL

Fun Facts About Me

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

  • Hometown: Nutley, NJ
  • Birth Month & Year: July, 1954
  • Favorite Hobby: Dog Walking
  • Favorite Food: Italian
  • Can't be interrupted when: Listening to Pink Floyd
  • Hidden Talent: Landscaping
  • Something on bucket list: Space Flight - Tourism
  • Family Pet: None

Catherine Utley

Fun Facts About Me

  • Hometown: Huntington Beach, CA
  • Birth Month & Year: February 1977
  • Favorite Hobby: Anything that gets me outdoors exploring nature
  • Favorite Food: Anything Mexican
  • Can't be interrupted when: Drinking first cup of coffee for the day
  • Hidden Talent: Putting together complicated puzzles
  • Something on bucket list: Over the water bungalow in Fiji
  • Family Pet: Currently between pets. Previous owner of 2 adorable pugs

Catherine M. Gareri

Fun Facts About Me

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

  • Hometown: Bellingham, MA
  • Birth Month & Year: July, 1957
  • Favorite Hobby: Cooking and Entertaining
  • Favorite Food: Steak at the Capital Grille
  • Can't be interrupted when: It's family time
  • Hidden Talent: Dog Whisperer
  • Something on bucket list: Spending a couple months on the Almalfi Coast
  • Family Pet: In Between Mastiffs now so a little blue fish “Willy”

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.

  • Hometown: Modesto, CA
  • Birth Month & Year: September, 1982
  • Favorite Hobby: Swimming
  • Favorite Food: Mexican Food
  • Can't be interrupted when: I'm cooking
  • Hidden Talent: Climbed Yosemite's Half Dome, twice - no fear :)
  • Something on bucket list: See the Northern Lights and Potty Train my 2 year old
  • Family Pet: Caddy and Sierra – our two cats

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.

  • Hometown: Overland Park, KS
  • Birth Month & Year: November, 1989
  • Favorite Hobby: Hockey, Golf & Cooking
  • Favorite Food: Chipotle
  • Can't be interrupted when: Studying
  • Hidden Talent: Fluent in French
  • Something on bucket list: Demolition Derby
  • Family Pet: None

Hesper Duval

Fun Facts About Me

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

  • Hometown: Charlton, MA
  • Birth Month & Year: October, 1981
  • Favorite Hobby: Running
  • Favorite Food: Cheesecake
  • Can't be interrupted when: Reading a good book
  • Hidden Talent: Interior Design and furniture restoration
  • Something on bucket list: To travel cross-country in an RV
  • Family Pet: Charlie and Nora, both black labs from the same litter

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.

  • Hometown: Swansea, MA
  • Birth Month & Year: February, 1961
  • Favorite Hobby: Exploring haunted locations
  • Favorite Food: Pizza
  • Can't be interrupted when: Eating my pizza
  • Hidden Talent: Rollerblading
  • Something on bucket list: Travel to Australia
  • Family Pet:  Had a pet skunk

Anne Whitney

Fun Facts About Me

  • Hometown: Jaffrey, NH
  • Birth Month & Year: September 1988
  • Favorite Hobby: Drawing and painting
  • Favorite Food: Anything spicy!
  • Can't be interrupted when: Reading a good book
  • Hidden Talent: Expert calligrapher
  • Something on bucket list: Go to San Diego Comic Con
  • Family Pet: Most recently, a rescued beagle named Max

Steve Taylor

Fun Facts About Me

  • Hometown: Franklin, MA
  • Birth Month & Year: May 1975
  • Favorite Hobby: Golf
  • Favorite Food: Pizza
  • Can’t be interrupted when: Spending time with my family
  • Hidden Talent: Juggling
  • Something on bucket list: Play golf at Pebble Beach
  • Family Pet: none

Sarah Kupec


  • Hometown: Wyckoff, NJ
  • Birth Month & Year: November, 1992
  • Favorite Hobby: Hiking
  • Favorite Food: Chipotle
  • Can't be interrupted when: Watching LSU football. Geaux Tigers!
  • Hidden Talent: Chalkboard art
  • Something on bucket list: Travel to Germany
  • Family Pet: Max, a 14-year-old Westie

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.

  • Hometown: Hanover, MA
  • Birth Month & Year: May, 1964
  • Favorite Hobby: Travel & hiking
  • Favorite Food: Danny's Homemade Sauce
  • Can't be interrupted when: Watching Katie ride
  • Hidden Talent: Equestrian photographer
  • Something on bucket list: Spend a month in Monterosso Al Mare w my family
  • Family Pet: Sassy, our Australian terrier

Kieran Lavery

  • Hometown: Bedford, NH
  • Birth Month & Year: November, 1989
  • Favorite Hobby: Playing tennis and softball
  • Favorite Food: Tex-Mex
  • Can't be interrupted when: Watching college basketball
  • Hidden Talent: Can solve a Rubik's cube in under 2 minutes
  • Something on bucket list: Attend Oktoberfest

Matthew Cleary

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

  • Hometown: Farmington, Maine
  • Birth Month & Year: March 1986
  • Favorite Hobby: Hiking
  • Favorite Food: Lasagna
  • Can't be interrupted when: Watching the Celtics
  • Hidden Talent: Water skiing
  • Something on bucket list: Traveling to Greece
  • Family Pet: Aspiring British Bulldog owner

Justin Giuliano

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

  • Hometown: Wethersfield, CT
  • Birth Month & Year: July 1988
  • Favorite Hobby: Exploring new destinations with my wife
  • Favorite Food: Frutti di Mare
  • Can’t be interrupted when: Grilling
  • Hidden Talent: A unique inability to sit still
  • Something on bucket list: Traveling to Europe

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.

  • Hometown: Shrewsbury, MA
  • Birth Month & Year: February,1983
  • Favorite Hobby: Fishing
  • Favorite Food: New Haven style Pizza
  • Can't be interrupted when: Cooking
  • Hidden Talent: Can change a tire in under 5 minutes
  • Something on bucket list: Visit Hawaii and Bora Bora
  • Family Pet: Petey, Our old man Chihuahua

Rana Choubah

When Rana is not helping clients with their financial needs, she spends her time with her family traveling, hiking and running.

  • Hometown: Beirut, Lebanon
  • Birth Month & Year: October 1967
  • Favorite Hobby: Running
  • Favorite Food: Pizza
  • Can't be interrupted when: Reading a good book
  • Hidden Talent: Construction and home repair
  • Something on bucket list: Complete a triathlon
  • Family Pet: Two sweet cats, Macy and Maya

Jaclyn Stickney

  • Hometown: Lunenburg MA
  • Birth Month & Year:  October,  1978
  • Favorite Hobby: Hiking & Camping
  • Favorite Food: steak & ice cream
  • Can't be interrupted when: reading 
  • Hidden Talent: fiddling with cars
  • Something on bucket list: African Safari
  • Family Pet: None

Danielle Drew

When Danielle does not have her head in a book studying to expanding her financial planning knowledge, she enjoys anything active and outdoors, including the beach and hiking.  

  • Hometown: Dennis, MA
  • Birth Month & Year: November, 1985
  • Favorite Hobby: Working out, concerts, and exploring wineries
  • Favorite Food: Lobster pot pie, cheeseburgers, BBQ, the list goes on...
  • Can't be interrupted when: Working out 
  • Hidden Talent: Country line dancing
  • Something on bucket list: To hike the 48, 4000 footers of New Hampshire
  • Family Pet: none, hopefully a big dog someday

John "JP" Bisceglia

JP loves spending time with his niece and enjoys weekend trips to the cape during the summer.

  • Hometown: Shrewsbury, MA
  • Birth Month & Year: October 13th 1993
  • Favorite Hobby: Fishing with friends and family
  • Favorite Food: Pasta Alleluia
  • Can't be interrupted when: Hiking Wachusett Mountain with the pup
  • Hidden Talent: Navigating and driving boats
  • Something on bucket list: Helicopter snowboarding in Japan.
  • Family Pet: Alaskan companion noble dog

Where Should We Send Them?

Join our mailing list to receive the latest news and updates from our team.

You have successfully subscribed.