Barry Zimmerman - The Bulfinch Group

We assist you in the design and implementation of programs to ensure that your wealth is passed along to family or others, without being negatively impacted by estate or inheritance taxes. This service enables you to plan your personal estate to help ensure maximum distribution and conservation to future generations.

Having the ability to retire comfortably and free from financial pressures remains the main issue for our clients - both business owners and employees. It is critical that the retirement plan be properly designed, implemented, communicated and administered. Retirement plans are dynamic, changing as client's businesses and tax laws change. They demand continued and careful analysis, IRS compliance review and plan administration. The appropriateness of a "qualified" or "non-qualified" plan for any individual is determined based on the individual's existing financial condition, as well as on his or her goals and dreams.

College Funding

We will work with you to tell you if your current savings strategy will cover your child's college expenses. Do you dream of your child or grandchild going to college? Higher education comes with a high price tag, but it's an expense you can meet through proper financial planning. Let us help you calculate college costs, evaluate funding options and create an education strategy tailored to your goals.

Options may include:

State-sponsored college savings plans (529s)
Education Savings Accounts
Traditional and Roth IRAs
Custodial accounts (UGMA/UTMA)
Education Trusts

top of page

Will/Trust Analysis

Wills and Trusts are just tools in the larger process of " estate planning ." There is an unfortunate, widespread misconception that this topic is a subject of interest only to the wealthy. In fact, an estate plan provides the legal mechanism for disposing of property upon death in a way that recognizes your wishes and the needs of your survivors, while minimizing taxes. For many it involves, even more importantly, planning for the handling of affairs in case of disability, and the deeply personal medical choices to be made as life nears its end. Estate planning is not just for rich people. Trusts can play an important role in providing order to your financial affairs, assisting with your tax planning, simplifying your estate settlement and providing guidance for your family and other heirs.

Asset management helps our clients enhance their wealth by attempting to maximize after tax return with a reasonable level of risk. We work closely with you to design and manage a strategy that complements your specific investment objectives. Your asset allocation can consist of quality money market funds, well researched equities, and investment quality fixed income obligations. We partner with experienced portfolio managers with a commitment to after tax strategies across all appropriate asset classes.

Insurance is an important part of a complete financial plan. It protects your heirs in the event of your death, and it can be self completing in the event of disability. We can help you determine what type of coverage is best for you. We can provide access to insurance products, including term life, whole life, universal life, variable life, survivorship, single premium, long-term care and long-term disability insurance. As you build relationships and share financial information with us, we are in a unique position to provide guidance and determine which insurance products are best for you.

There's a good chance that you may need to pay for nursing home, assisted living or home health care one day. Long-term care involves helping you with the most intimate aspects of your life, like what and where you'll eat and your personal hygiene. Unfortunately, this kind of care is expensive. You probably shouldn't assume that Uncle Sam will help. Medicare does not cover most long-term care costs. Medicaid benefits are only available to you when you've depleted all of your assets. We will help you protect yourself against long-term care expenses with the appropriate coverage.

Statistics show that Americans who reach age 65 face a 40%¹ lifetime risk of needing some form of long term care.