As the most joyous season of the year draws near, I offer you my sincerest wishes for an enjoyable holiday. Season’s greetings to you and to those near and dear to you, as well as best wishes for a happy, healthy, and prosperous new year. May the years which lie ahead bring satisfaction and happiness in all aspects of your life.

It is indeed with gratitude that I look back upon the past year and thank you for your support and trust in allowing me to serve you or be a valued resource to those you know.

I hope you continue to enjoy receiving my e-newsletter. It is intended to enhance and complement the personalized service that you may already receive from me. The e-newsletter’s main objective is to ensure, regardless of busy work schedules and travel plans, that each of my clients, friends, family, and business colleagues receive some timely advice on a regular basis.

I also hope it will stimulate your thinking on issues related to your personal finances by providing you with food for thought on a variety of financial topics. Please feel free to call or e-mail me with any questions or comments, especially if you want to explore a specific topic for your personal situation.

Financial Planning -- Through meticulous fact-finding, we analyze your current planning and develop strategies to help you achieve your long-term goals.

Retirement Planning -- We can either design a retirement plan for your company or help you maximize a plan that you participate in.

Estate Planning -- Through the use of the latest estate planning techniques, we can help you develop an effective estate plan, which considers wills, trusts, insurance, and other vehicles to help minimize your estate taxation.

Personal Insurance -- We assist clients in evaluating coverage to protect their wealth including life, health, disability, homeowners, and automobile.

Tax Planning -- We can help you develop strategies designed to reduce your tax burden.

In uncertain times, do you ever wonder what to do next or whom to trust for objective answers?

I’m not simply talking about heart-stopping headlines. I’m talking about the whole range of life events that may keep you up at night and may hit you in your wallet:

 Going through a divorce
 Paying for college tuition
 Protecting your assets and income
 Dealing with elder care
 Changing jobs or being laid off

 Handling a sudden windfall
 Figuring out a way to retire
 Buying or selling a home
 Evaluating reverse mortgage options
 Investing in a business venture

Any of them could have very important financial implications for you and your family. They might affect your financial condition, your needs, your plans -- or your family’s future.

In an increasingly more complex financial world, it can be overwhelming to take on these challenges without help.

You don’t have to go it alone in tackling these issues. What I offer in my fee-only practice is objective advice on an as-needed basis to help you address these types of questions and more. What clients receive is peace of mind knowing that there is a road map in place to handle the ups and downs along the road.

As a board-certified financial planner I can offer customized guidance and objective advice to help map out a course for dealing with challenging times and issues like these.

If you’re at all concerned about yourself and your family’s future, give me a call. Or if you know of someone experiencing a life changing event and in need of some independent, objective advice, please pass this along. We’ll arrange a time to chat over the phone and determine if there is a mutually agreeable way to work together for improving your financial security.

There’s no need to gamble with your future. Start getting on track by calling me directly at 978-388-0020 or 978-621-8268 or sending an email to steve@focus-capital.com.

My highest priority is getting you where you want to be. If it's an important goal for you, then it's important to me to help get you there. Whether you need a road map for retirement investing or want an answer to a specific financial challenge, I am available.

My goal is to provide the peace of mind that comes with knowing you have entrusted your financial future to a team of experienced professionals that cares about making your dreams a reality - regardless of the size of your portfolio.

I work with retirees, busy professionals and growing families who are motivated to achieve financial success or need help with the challenges that result from a life changing event.

For more than 18 years I have been involved in helping individuals and organizations tackle complex financial issues through a progressive career in mortgage banking. For the last ten years I have focused my practice on all aspects of retirement and investment planning and have published articles on a variety of financial planning issues.

I am a CHARTERED RETIREMENT PLANNING COUNSELOR(sm) and CERTIFIED FINANCIAL PLANNER™ Professional. I earned a Master of Science degree in Finance from Bentley College and an undergraduate honors degree from the University of Massachusetts.

Based on my credentials, education, and fee only practices I also hold a five-star quality rating from the Paladin Registry, earned by fewer than 3% of planners in the country.

I am never too busy to help you or someone you know and care about.