Individual Services

We provide a full array of comprehensive personal and business financial services.  Feel free to contact us for a complimentary initial consultation or brief introductory conversation to determine how we might collaborate with you toward achieving your financial goals.


Planning Services

  • Financial Planning
  • Wealth Management
  • Retirement Income Planning
  • Estate Planning Strategies
  • Charitable Giving Strategies
  • Protection Planning (through life and disability insurance)
  • Legacy Planning

Investment Services

We begin by getting a clear understanding of your overall financial goals and your goals for each investment account.  We discuss your investment preferences and concerns, your attitudes toward risk and your time frame for the assets in each account.  To implement your various investment strategies, we'll work with you to build appropriately diversified portfolios, with access to the following:

  • Individual Stocks and Bonds*
  • Fee-based Managed Accounts
  • Mutual Funds and ETFs
  • Fee Based Financial Planning Services
  • IRAs, Roth IRAs
  • 529 Plans
  • Fixed and Variable Annuities
  • Alternative Investments: various REIT & Energy offerings

Insurance Services

We discuss with you your general attitudes toward risk, underline various risks and review the numerous options to manage and / or mitigate these forms of risk.  We will perform a full policy and beneficiary review, as well as the review of trusts that may own certain policies.  We can offer access to the following solutions:

  • Life Insurance
  • Disability Income Protection
  • Long-Term Care Insurance
  • Business Income Continuation, Succession and Estate Planning strategies

 

The information provided is not written or intended as specific tax or legal advice. Baystate Financial, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.