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Providing expert retirement & estate planning solutions
in the New England area for over 50 years.
“Most people do not plan to fail, they fail to plan.” – Benjamin Franklin
Providing expert retirement & estate planning solutions in the New England area for over 50 years.
“Most people do not plan to fail, they fail to plan.” – Benjamin Franklin
Providing expert retirement & estate planning solutions in the New England area
for over 50 years.
“Most people do not plan to fail, they fail to plan.” – Benjamin Franklin
Why Pessotti & Associates?
We are a business built on referrals.
Pessotti & Associates has been serving the citizens of New England for over 50 years. Our business has been largely built on word of mouth. Our hundreds of clients and tons of referrals make it easy to check us out! You may have already seen us at one of the many free financial education workshops we have held in the New England area throughout the years.
Our Services
We offer retirement & estate planning strategies that will best position you and your family for the future.
Professional referrals
We work in close association with many elder law, estate and tax attorneys to provide a comprehensive solution for our clients. We are happy to provide you with a referral upon request.
Document processing
We provide personalized service to clients in estate and retirement planning to ensure that your paperwork is in order, documents are processed accurately, contracts are signed correctly and estate planning strategies are implemented smoothly.
Expert advice when you need it
Expert advice is just a call or email away. We are always available to answer any questions you may have.
Plan review annually and upon request
The Annual Plan Review ensures your plan is current based on your goals and any changing circumstances of your life. A review of your plan can also be scheduled upon request.
Fixed and Fixed Indexed Annuities
Principle guarantees and protection. Lock in your gains each year. In addition, fixed and fixed indexed annuities are tax-deferred until withdrawals are made.
Lump Sum Rollover vs Annuity Payments
Protect your income from the nursing home.
Long Term Care Insurance
Ensure your estate is protected and that you receive the level and type of care you would want should long term care be needed.
Legal Services
Our attorneys provide discounted fees for items such as wills, trusts, durable power of attorney, HIPPA-compliant medical power of attorney, health care proxy and pour-over wills.
Employee Stock Ownership Plan (ESOP)
Rollover your ESOP to an IRA and lock in all of your gains. Principle protected.
Lifetime Income
Create an income that you cannot outlive. Your income will also increase based upon an annual Cost of Living adjustment
Social Security Planning
Social security planning – when should I collect? Break even analysis, file and suspend, maximizing spousal benefits. Our advanced social security program will provide you with detailed strategies that will maximize your lifetime benefits.
Long-Term-Care Needs
There are basically two approaches when considering your long-term care needs: self-insure or purchase long-term care insurance. Use this calculator to determine your potential long-term care needs and how long your current assets might last.
Permanent Life Insurance
Insurance coverage that never expires, combined with both a death benefit and a savings component. Enjoys a favorable tax treatment.
Roth Conversions
Tax-free income will go further in your retirement. Learn the ins and outs of converting your IRA to a Roth IRA. Protect your income from rising taxes.
Term Life Insurance
Competitive term rates 10, 15, 20, 30 year term with liberal conversion options.
Discount your Estate taxes 70-80%
Learn how inexpensive "Second-to-Die" Life Insurance is the cheapest way to pay federal estate taxes.
Charitable Remainder Trusts
Learn how to eliminate taxes on highly appreciated stocks and real estate. Achieve huge tax savings and increase lifetime income while benefiting your favorite charity.
Meet With Us
We are available to meet with you in person, over the phone, or via online meeting. If you like what you hear, we will schedule our next meeting with you and begin the Planning Phase. To make a move toward a better future, click the "Schedule A Meeting" button below.
1 - Free, No obligation consultation
2 - Planning Phase
3 - Plan Implementation
4 - Ongoing Planning & Review
1 - Free, No obligation consultation
We offer a free, no obligation 1 hour consultation in person, over the phone, or via an online meeting.
In this casual session, we will engage in a cursory review of your current financial life, discuss your goals and dreams, explore potential opportunities, define gaps and discuss general strategies—resulting in a mutual sense of what it may be like to work together. If you like what you hear, we will schedule our next meeting with you and begin the Planning Phase.
Prior to our meeting, we encourage you to:
- Take the time to jot down questions regarding your current situation and areas of potential concern.
- Bring account-specific statements, tax returns, and other documents that will assist our discussion.
- Gather your ideas regarding your future short-term and long-term retirement & estate planning goals.
2 - Planning Phase
Working with you, we perform an in-depth review of your current financial situation and develop a clearly written plan that aligns with your retirement & estate planning goals, objectives and risk tolerance. We review our recommendations with you in detail and answer any questions you might have.
Prior to beginning the planning phase, we ask that you provide:
- Any documents or statements relevant to the planning process
3 - Plan Implementation
Implementing the plan means putting the plan to work. We will take the steps necessary for the successful implementation of your retirement & estate plan, including the completion and filing of all needed documentation. We will then provide you with copies for your records.
4 - Ongoing Planning & Review
In addition to annual review meetings, we recommend reviewing and updating of your financial plan anytime your situation or goals change.
If you just need some quick advice on a pressing issue, we are available to answer your questions.
What to Expect
Hear what our clients say about us
We appreciate the kind words our exceptional clients have shared about our services.
Client references available upon request
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PESSOTTI & ASSOCIATES
NASHUA, NH 03062
Contact Steve
Steve Pessotti
President
steve@pessotti.com
617-834-3460
Contact George
George Pessotti
President Emeritus
george@pessotti.com
508-612-8101