Paul Joyce, Financial Advisor, Commonwealth Financial Group

Thinking about passing your business down to your children? Consider these key tips: explore tax-efficient gifting strategies, consult with a financial planner for optimal succession planning, and ensure your estate plan is up-to-date. Proper preparation can make the transition smoother and more beneficial for everyone involved.

What are the odds you will become too sick or injured to work for an extended period of time? They may surprise you. Let’s make sure you’re protected.

Perception is not reality When it comes to disability income insurance your perception is not reality.

While trends may seem worth chasing, the route to success is defined as time in the market, rather than timing the market. Let’s go over your retirement plan make sure your goals are future-proof.

Having the confidence and skill to control your own money is true financial empowerment. Take charge. We can help.

Do you know the difference between a revocable and irrevocable trust? Understanding these options can help you make the best choices for your estate plan.

Let’s connect and see what else you can do to maximize your financial goals.

Your retirement savings needs to last as long as you. Let’s talk about a strategy to
help secure your future.

Annuities aren’t just for people turning 65. No matter where you are in your retirement planning process, let’s talk about how a variable annuity can help you grow your assets.

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Small business owners: Don’t overlook the importance of diversification in your overall plan. Your business is a crucial piece of your portfolio, but it also represents a significant risk. You can balance this by targeting low-risk investments elsewhere to help safeguard your financial future.

Market volatility can make us uncomfortable. Let’s make sure you have things in perspective with a well-diversified portfolio.

Clarify what your legacy means to you. Let’s explore your investment options.

Personal financial planning impacts your business. What’s your plan and how can we help?

Knowledge is now at everyone’s fingertips. As a business owner, not taking advantage of this opportunity will leave your business stagnant and less competitive. These seven benefits highlight why continuous learning is essential for growth and success.

Let’s discuss your goals and look at your investment opportunities.

Let’s talk about ways to protect your family from financial hardship.

While employee-sponsored benefits can help you plan ahead for retirement and protect your income in certain situations, they may not be enough. Let's discuss strategies to help you reach your financial goals.

Transitioning family wealth starts with knowledge. How can I help you and your family with financial education to leave a multi-generational legacy?

Annuities are commonly used for income, but they can do far more, especially if retirement isn’t an immediate goal. Let’s chat about how a variable annuity can help grow your assets.

Everyone has a net worth. Calculating yours can be a valuable benchmark in plans to
reach your financial goals. Learn more.

Why it's so important to determine your net worth | MassMutual Your net worth is a critical decision-making tool. This article covers how to determine yours and how to use it as a benchmark against future financial goals.

Business owners often delay updating their buy/sell agreements due to uncertainty about where to begin. Our reputable process will help you create a comprehensive business continuation plan that seamlessly aligns with your personal and estate planning goals.

Take the proactive step today – reach out to learn more about our refined process and help ensure your buy/sell agreement is current and strategically aligned with your evolving business needs and aspirations.

You may get the urge to make a move when the market unexpectedly changes, but the best course may be to do nothing. Let’s talk through your plan and make sure it’s built to go the distance.

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You own a home and have a sizeable nest egg. Let's put a plan in place to help you preserve your wealth and provide for the transfer of assets to the next generation.

You can’t predict where life will take you, but you can take steps towards securing your family’s financial future. Let’s discuss how life insurance can help protect your loved ones today.

The best solutions for you, and only you, must include your attitudes toward debt, your feelings about risk, and the value you place on your financial goals. There’s no single right answer, only the one that’s right for you.

Scaling back or adjusting your role in your business to prioritize family doesn't necessitate halting your savings for the future. Let's assess your personal and business plans to ensure they align strategically with your evolving goals.

Join Doug as he shares his story about how not having Disability Income Insurance has taken a financial and emotional toll.

Doug's Story Learn how not having disability income insurance affected Doug when he became disabled.

Nearly half of all Americans feel they aren’t where they need to be when it comes to retirement planning. Let’s connect and build guaranteed lifetime income into your plan to help strengthen the road to your goals.

MassMutual Consumer Spending & Saving Index: In Pursuit of Happiness, Younger Generations Prioritize Money over Marriage - MassMutual Contradictorily, they feel behind in saving enough to retire at an ideal age (60-69) - MassMutual

It’s never too early to invest for long term growth. Let’s create a plan that grows with you.