Learn how the Massachusetts SMART Plan sick and vacation payout works and whether deferring your lump-sum payout into the SMART Plan can help you manage taxes and strengthen your retirement strategy.

Massachusetts pensions no longer reduce Social Security in 2025, but your statement still misses key spousal, survivor, and filing strategy details. Here’s what to know.

If you’ve ever opened your tax return, saw you owed more than expected, and thought: “Wait — they already withheld taxes on my RSUs and bonus!” You’re not wrong. They did. Just… not enough. Every year, I see high earners engineers, managers, executives get blindsided by this. They’re careful savers, they max out retirement accounts, and they check their paystubs. Yet come April, they’re still writing a check to the IRS. Sometimes 6 figure checks. The reason? A hidden mismatch

When Will I Get My First Pension Check in Massachusetts? One of the biggest surprises and sometimes even a reason people delay retirement for state and town employees in Massachusetts is that your pension check doesn’t show up right away. In most cases, it takes 30 to 60 days or more after your official retirement date for your first payment to arrive. The delay happens because your employer has to send in your final payroll information before the Massachusetts Retirement S

Picture this: You’re approaching retirement. Over the years you’ve built up a few 401(k)s, an IRA or two, a brokerage account, maybe some life insurance, and perhaps a pension. Each account feels important, but when you try to put them together, it starts to feel like a puzzle with too many pieces.

If you're 2-7 years from retirement in Massachusetts or New Hampshire , a Roth conversion could be an excellent potential way to reduce...

How to support your kids without derailing your retirement.

As you approach retirement, the stakes can be high. You want to seek to ensure that your financial future is secure and that you can enjoy t

As you approach retirement, you may find yourself hearing advice from your 20-year-old children about how to invest. For many young...

When people think about retirement planning, their minds often jump to investments—stocks, bonds, and real estate. While these are crucial

If you're in your 50s or 60s, with children entering or exiting college, you may be wondering if you're financially on track for...

As the end of the year approaches, it’s crucial for Massachusetts and New Hampshire residents to review and maximize their retirement contri

As you approach retirement, typically within 2 to 7 years, the decisions you make regarding your financial planning may become...

As your children leave for college or start their careers, the transition to an empty nest is both an exciting and challenging time. This...

With the recent elimination in 2025 of New Hampshire’s Interest and Dividends Tax, residents of the Granite State now have a valuable...