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?

Over 50 years of retirement & estate planning experience

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. 

Businessman in suit holding pink piggy bank with both hands

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.

Employee Stock Ownership Plan (ESOP)

Rollover your ESOP to an IRA and lock in all of your gains. Principle protected.

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.

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.

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.

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.

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.

Discount your Estate taxes 70-80%

Learn how inexpensive "Second-to-Die" Life Insurance is the cheapest way to pay federal estate taxes.

Meet with us!

Sometimes just getting started is the hardest part. We make that easy with a free, NO-obligation consultation.

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.

What to expect

We offer a free, no obligation 1 hour consultation in person, over the phone, or via 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.

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.

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. or contracts.

 

In addition to annual review meetings, we recommend review 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 always available anytime you have a question. 

Attend one of our "Advanced Retired Planning" Workshops

We partner with the non-profit organization “SOFA”  to present free, educational seminars that explore the area of “Advanced Retirement Planning Strategies”. If you are between the ages of 50-80, this is critical information you should not miss.

Hear what our clients say about us

We’re grateful for the kind words our exceptional clients have shared about our services. 

Client references are available upon request

Hear what our clients say about us

We’re grateful for the kind words our exceptional clients have shared about our services. 

Client references available upon request

Featured video blogs & articles

The ABC's of Mass Estate Tax

Oct 8, 2021

Lorem ipsum dolor sit amet, consectetur adipisicing elitsed do eiusmod tempor incididunt ut labore et dolore magna aliqua

Step Up In Basis

June 21, 2021

Lorem ipsum dolor sit amet, consectetur adipisicing elitsed do eiusmod tempor incididunt ut labore et dolore magna aliqua

Secure Act IRA Changes

Aug 5, 2021

Lorem ipsum dolor sit amet, consectetur adipisicing elitsed do eiusmod tempor incididunt ut labore et dolore magna aliqua

Subscribe to Our Newsletter

Insights, strategies and tools to help you prepare for life’s big moments and a better future.



Your Weekly Retirement & Estate Planning Tip!

Invest in the Right type of Insurance

Investing in insurance plans is the best way to protect yourself from unplanned financial damages and losses. Insurance protects your family from financial issues and problems even when you are no more. For instance, buying a funeral insurance plan can help your family to pay for funeral costs without bearing a financial burden. And life insurance can replace your income after your death. Similarly, you can buy disability insurance to protect your ability of income-earning in case of a serious or permanent disability. So, assess your insurance needs and buy the right insurance plans for greater financial protection and peace of mind.

Feel free to contact us using the form below if you have any questions or need assistance  with your retirement & estate planning needs.