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Financial Planning Overview

Welcome to Village Wealth Management. Located in The Village Bank in Auburndale Massachusetts, Village Wealth Management is a full service financial services and investment management firm. Our practice is wholly owned by The Village Bank.

Village Wealth Management helps you simplify the demands of managing your wealth to enable you to devote more time to your personal endeavors. Under your guidance, our advisors clarify and organize your assets, sources of income, employee benefits, savings plans, investment strategy, insurance coverage, and estate preparation. Key to this process is the creation of a financial plan, which lays the foundation upon which you systematically build wealth over time to provide income for life, seeks to protect your assets, and to leave a desired legacy.

Though relevant for adults of all ages, this type of planning is crucial as one prepares for the great life transition into retirement. In our view, everyone over 50 should be engaged in financial planning.

A financial plan is 100% customized to your situation, and answers questions such as:

  • How much risk do I need to take to meet my goals?
  • When can I retire?
  • Are my dependents adequately covered if something happens to me?
  • Can we maintain our standard of living after retirement?
  • What is the impact of lower returns or higher inflation on my plan?
  • What is my expected tax liability?
  • How much can I spend?
  • Do I have a taxable estate?
    • If so what steps should I take to offset estate taxes?
  • Am I making the best use of my charitable contributions?

The planning process with the LPL Financial Advisors at Village Wealth Management usually takes 1-2 months, entailing these steps:

  1. Agreements
  2. Your gathering of documents
  3. Analysis
  4. Meeting to check facts, agree on assumptions, and decide on scenarios to be reviewed
  5. Preparation of Final Plan
  6. Presentation of Final Plan
  7. Termination of Agreement
  8. Agreement on schedule of updates (typically every two years)

Disclosures and Clarifications

The Advisors at Village Wealth Management provides both financial planning and investment management services through LPL Financial, the largest independent broker-dealer* in the U.S. Though we welcome new investment clients, your decision to engage us for financial planning services is separate from your decision whether to engage us for investment services.

If you may ask us for referrals to other professionals as a result of your plan (e.g. tax, legal or insurance representatives), we are happy to give names of reputable persons, but receive no compensation from them for doing so.

Document protection and e-mail

We will ask you for highly confidential documents in order to analyze your situation. We can either temporarily retain originals or make copies and return the originals to you quickly. Upon completion of the financial plan, we will take your instructions to either return all documents to you, shred them, or retain them in our secure files.

Never send confidential documents to us as attachments to e-mail, unless your e-mail is encrypted. Deliver documents to us by hand, encrypted e-mail, messenger, fax, US mail or overnight mail. We will do the same.

* As reported by Financial Planning Magazine, June 1996-2019, based on total revenue.