Personal and Business Financial Services
Our experienced professional financial advisors offer a wide range of services to meet your family or business objectives. It all starts with free consultation-a needs analysis. Our staff analyzes the information and prepares a proposal, a financial blueprint designed to help you achieve your goals.
- Fund retirement income program
- Minimize tax impacts
- Develop an estate analysis and long-range strategy
- Fund college education for kids
- Fund charitable works
- Provide for long term care needs
- Adopt a business continuation strategy
- Install and fund an executive benefit plan
- Implement an employee benefits plan
- Design and fund an employee pension plan
- 401k Retirement Income Plans
- Keogh Self-employed Pension Plan
- IRAs - Standard, Roth, Education
- SEP IRAs
- Employee Benefit Programs
- Mutual Funds
- Funding Endowments
- Funding Buy and Sell Agreements
- 529 College Savings Plan
For descriptions of insurance policy types visit www.iii.org.
Contact us for no-obligation Your Financial Plan interview, call 508-528-3310, Toll-Free 888-528-3310, or fax 508-528-3887.
- Blue Cross/Blue Shield
- First Colony Life
- Guardian Life
- Harvard Pilgrim
- New England Financial
- Principal Financial Group
- Tufts Health Plan
NOTICE: Securities and investment advisory services are offered by Kevin Demerritt, a registered representative and investment advisor representative of Tower Square Securities Inc. Member NASD/SIPC and a registered investment advisor. Keefe Insurance is a separate entity from Tower Square Securities, Inc.
Kevin Demerritt is licensed in the states of NH, NJ, and NY for the sales of insurance products, and is registered in the state of Massachusetts for the sale of insurance products.
Your family can make an upfront investment of up to $60,000 in a state-sponsored 529 Plan ("savings trust") with all the account's earnings tax-deferred until your child goes to college. At that point, the earnings are tax free if used for qualified educational expenses. If the child does not attend college, the account can be transferred to a brother or sister or other beneficiary. Parents can also get the money, if they need it, but the earnings will be subject to income tax and a 15% percent penalty. Ask about other important options available in a 529 Plan.
NOTICE: 529 Plans are established by states or eligible institutions under IRC Section 529 as "qualified tuition programs". There is no guarantee offered by the issuing municipality or any government agency. You should consider the potential benefits (if any) that your own state plan (if available) offers to residents prior to considering another state's plan. There may be tax benefits to plans offered by your resident state. Non-qualified withdrawals from a 529 plan are subject to a 10% Federal tax penalty and current income tax and may also be subject to state penalties. As with all tax-related decisions, please consult with your tax advisor. Please note that assets in a 529 Plan could impact the beneficiary's ability to qualify for grants and student loans. Annual asset charges for a 529 Plan may be higher than corresponding share classes of underlying mutual funds.