Moore Financial Advisors, Ltd., provides financial planning and investment management services to help you reach your financial goals, such as a comfortable retirement, buying a home, or paying for a child’s education. This may mean developing a plan for how you will “get from here to there,” or providing professional investment management services, or both. We work with you to sort through complex financial issues. We manage your investments so that you can enjoy the peace of mind and confidence that you are taking the right actions to protect your future.
Investment Management: At Moore Financial Advisors, we help you determine the an investment strategy for your portfolio that is the best fit for your investment goals and objectives, investment time horizon, risk tolerance, tax situation, and cash flow considerations. Once we have developed an appropriate asset allocation strategy, we select appropriate investments to help align your portfolio with the strategy we’ve developed with you. The investments we propose for your portfolio may include mutual funds, exchange traded funds, or investment grade fixed income securities. These are selected from an intensive research process which emphasizes long term performance (especially the ability to maintain value in market downturns), low expenses, stable fund management, and fund managers committed to good stewardship of investors’ money. Moore Financial Advisors is a member of an exclusive consortium of leading investment advisors in the greater Boston & Cambridge areas who are committed to enhancing their professional skills through the free exchange of knowledge and experience.
Financial Planning: MFA works with individuals on many other questions about complex financial issues, such as planning for the education of children/grandchildren, tax planning, estate planning, evaluating the need for different types of insurance coverage, and selecting and establishing retirement plans for small business. Some of the specialized services we offer include:
· Retirement Planning: MFA works with individuals and couples who are retired or plan to retire in the next 10-20 years. Many people are worried about whether their savings will support the retirement they want. Many changes in recent years have cast a sobering light on the outlook for retirement. Reduced employment benefits, lifestyle changes, and the dramatic drop in the value of retirement savings for many people over the last few years are just some of the things that need to be considered in planning for a secure and comfortable retirement. MFA helps people achieve their retirement plans. We work with you to understand what you want your retirement to be like, to analyze what you need in order to support that retirement, and to develop a plan for what you can do to ensure you’ll have the retirement you desire.
· Divorce or Loss of Spouse/Partner: MFA specializes in working with individuals who are dealing with divorce or loss of a spouse/partner. Divorce or death of a life partner can disrupt a woman’s plans for the future, as well as her ability to manage the present, in many ways. We work with women going through this experience to help them understand the “new reality” of their financial situation and master their financial lives. For those still in the divorce process, or even considering this step, we provide pre-divorce consulting, including assistance with budgeting, preparing required financial information for the legal process, evaluating financial data, identifying tax considerations, and comparing settlement options. For those already divorced, we assist with planning for future goals, whether those goals include a comfortable retirement, educating children, or a change in lifestyle such as more travel. MFA’s services also include post-divorce financial recovery, budgeting, tax planning, and help with devising financial strategies and a clear financial direction, as well as managing investments.
· Nontraditional Families: MFA also works with nontraditional couples and families – same sex and heterosexual – to help secure the protections and benefits otherwise provided by marriage. There are over 1400 benefits of marriage not available to couples who cannot or choose not to marry. And even though some same sex couples may reside in a state which offers some or all of the benefits of marriage, those couples still do not have many of the benefits of marriage offered on the federal level, such as:
- Access to spousal benefits for most retirement plans, pensions, or Social Security
- Special provisions for a spouse as IRA beneficiary
- Ability to transfer assets to a spouse without gift/estate tax consequences
- Ability to file U.S. income tax as married filing jointly
- Access to immigration rights for foreign citizens married to US citizens
- COBRA protections
- Benefits of Federal Family & Medical Leave Act
We understand the unique needs of these individuals and couples. We help them make sense of the complex financial implications of their status as a couple or family, developing solutions which will provide them with the protections and benefits available to them.