Financial Planning

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What Do You Want to Accomplish?

We offer both in-person and virtual planning services including on-demand financial and investment advice depending on your specific planning needs and personal preferences.

Get More Savvy About Money

  • Eliminate credit card debt
  • Stop living paycheck to paycheck
  • Increase my income
  • Pay down student loans faster
  • Build or improve my credit
  • Create an emergency fund
  • Know where my money is going
  • Start saving for retirement
  • Make smarter investment choices
  • Calculate and build my net worth

Navigate a Life Transition

  • Prepare for retirement
  • Going through a divorce
  • Loss of job
  • Getting married
  • Starting a family
  • Death of a spouse
  • Caring for a family member
  • Starting a business
  • An unexpected windfall
  • Career change

Use My Money to Improve My Life

  • Stop trading my time for money
  • Turn my hobby into a living
  • Become more savvy about investing
  • Quality time with friends and family
  • Go back to school
  • Give more to the causes I care about
  • Save for a vacation home
  • Retire early or start a new career
  • Travel more
  • Create a passive income stream
See How We Can Help >>

What Makes Our Planning Process Different?

We focus on one outcome – helping you live the life that you want

We understand the real reason people hire us, and what makes us unique, is our firm’s singular focus on helping you live your best life by making smarter financial and investment choices, and learning how to use the latest tech tools, devices, and Apps, to maximize your time and financial resources.

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Manage Your Financial Life On The Go

Our secure online planning tool aggregates what you own and what you owe, all in one place, allowing you to see your complete financial picture from anywhere at anytime. All updated daily.

  • View your total assets, liabilities and net worth
  • Know where your money is going
  • Monitor the performance of your investments including your companies 401(k) plan
  • Track the progress towards achieving your financial goals
  • Work collaboratively in real-time with your Financial Planner

Complimentary Initial Consultation

Before engaging our services, we offer a complimentary, no-obligation initial consultation where we can chat about where you’re currently at, where you would like to be, and what might be keeping you up at night. We will give you our honest feedback regarding our ability to help you achieve your objectives and address the financial challenges you may be experiencing.
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Meet Some of Our Financial Planners

Catherine Utley, CFP®

Catherine is a Certified Financial Planner™ Practitioner who has extensive experience in helping individuals reach their financial goals. She is...

Steven C. Johnson, ChFC®

Steve is a Chartered Financial Consultant (ChFC) and a veteran of the investment and financial planning industries who began his career in 1989 with...

Katie E. Moore, CDFA®

Katie has over 10 years of experience in providing pre-and post retirement planning advice and investment guidance, and serves as the lead...

Herbert D. Kyles

Herbert began his career with AWM as a Client Relationship Manager and Investment Advisor Representative, after graduating from Framingham...

More About Our Financial Planners >>

Our Recent Articles on Financial Planning

Managing your money and making a solid financial plan isn't easy. Our team consistently publishes new articles to help you along your financial journey.

The Importance of Incorporating Your Retirement Accounts in Your Estate Plan

You know you need to do some estate planning to properly protect yourself, your assets, and your loved ones. But is your plan complete, or did you leave a few key assets out of those documents by mistake? Most people are unaware that retirement accounts are an important estate plan component. Fewer still understand the…

4 Steps to Buying Your First Home

Buying your first home is a big step. It’s probably one of the biggest assets you’ll ever purchase, and one of the largest debts you’ll ever carry. Yes, there is a lot of paperwork. Yes, there are a lot of details to work out during the home-buying process. But it doesn’t have to be overwhelming….

Low Average Retirement Savings By Age: What To Do About It

If you look at the average retirement savings by age, you might find them alarming. You may even come to the conclusion that Americans are facing a pretty dire situation. Just take a look at the median retirement savings of families by age, reported by CNBC: 44 to 49: $6,200 50 to 55: $8,000 56 to…

How Oracles Make Smart Contracts Work

“Oracle” has long described a person through whom a deity speaks, or a person known for giving wise or authoritative decisions or opinions. In the cryptoverse, oracles are code connecting a blockchain with the real world. They provide the data that smart contracts need in order to execute successfully.  Oracles are, ironically, an intermediary in…

4 Things to do to Ease Your Financial Worries

We all have them: financial worries that keep us up at night and leave us feeling uneasy about whether we’ll have enough money to do what we want. The things you might worry about most are the things that feel out of your control. Maybe you feel concerned about your job security, or you wish…

7 Tech Tips & Tools To Improve Your Life

Smartphones, 4G networks, and widely available wifi have put almost the entirety of human knowledge in our pockets. With all of this technology available at your fingertips, there are so many ways to utilize it within your daily life to make things easier. Here are a few quick tech tips to help you improve your…

How Web 3.0 & Blockchain Will Disrupt the Disruptors

Remember when companies like Google, Amazon, eBay, and Facebook were huge disruptors in their industries? They upended their competitors in online search, book sales, reselling, and social networking. Now, these Web 1.0 and Web 2.0 companies are on the verge of being disrupted themselves by the emergence of Web 3.0. The Evolution of the Web Web…

How to identify potentially fraudulent ICOs

The cryptocurrency market in its current state is mouthwatering to investors — and to scammers. Like a box of brownie mix, it promises fast returns with little effort. So many people think they could be the next to strike it rich that investors poured more than $6.3 billion into initial coin offerings (ICOs) in just…

Your Better Life is Waiting on You. Let’s Get Started.

Where would you like to begin?

Financial & Investing
Advice-On-Demand
Starting at $99
Ideal for those seeking financial guidance in a particular area
Sample advice topics:
  • 401(k) Investment Options
  • Improving Your Credit Score
  • College funding strategies
  • Insurance Coverage Review
  • Student Loan Debt
  • Goal Accumulation Planning
  • Creating a Workable Budget
  • Social Security Options
  • Estate Planning Review
  • Navigating a Life Change
What You Get:

(Depending on the complexity of the advice you’re seeking)

30-60 Minute Initial Consultation


Action Plan & Strategy Creation


30 -60 Minute Review of Financial Plan and Action Steps


30-Day Access to a Financial Planner by Email, Phone, Skype for the topic covered (Up to 30 Minutes)

Ongoing
Financial Guidance
Starting at $49 per month
Ideal for those serious about making better financial decisions & designing the life they want
Sample advice topics:
  • Plan Implementation
  • Navigating Life Changes
  • Major Purchase Decisions
  • Building & Improving Credit
  • Your Employee Benefits
  • 401(k) Investment Options
  • Estate Planning Questions
  • Insurance Questions
  • Budgeting & Cash Flow
  • Investing & Tax Questions
What You Get:

Ongoing Access to a Financial Planner by Phone, Email, Skype


Secure Planning Website & Financial Dashboard


On-Going Financial Coaching


Quarterly/Annual Plan Reviews (As applicable)


Accountability check-ins to help you stay on track (If requested)

Comprehensive
Financial Plan
Starting at $1,499
Ideal for those who want a holistic review and guidance regarding their complete financial life
What we can cover:
  • Lifestyle and Career Goals
  • Budgeting & Debt Mgmt
  • Cash Flow & Savings Goals
  • Credit Report Review
  • Retirement Planning
  • Income Tax Analysis
  • Estate Planning Strategies
  • Stock Option Planning
  • Insurance Coverage Review
  • Employee Benefits Review
What You Get:

Secure Planning Website & Financial Dashboard


Thorough review and analysis of your complete financial life


Personalized Financial Plan with Clear, Actionable Advice


60-90 Minute Review of Financial Plan & Action Steps


30-Day Email, Phone, Skype Financial Planner support in putting your plan into action (Up to 90 Minutes)

Schedule a Consultation >>

Eric C. Jansen, ChFC

Fun Facts About Me

When he is not researching the next great stock to add to client portfolios, you can find him travelling frequently with his family to Jackson Hole Wyoming.

Jay Willwerth, ChFC

Fun Facts About Me

Jay’s days are spent helping clients achieve their financial goals, followed by nights and weekends typically watching his daughters play competitive volleyball.

Steven C. Johnson, ChFC

Fun Facts About Me

Steve would tell you that one of the best parts of the day is spent talking to clients and relationships that result from it. When away from the office, he loves to travel the back roads of New England enjoying all the great sites that can be found off the beaten path.

Frederick M. Lane, ChFC, CASL

Fun Facts About Me

When not managing client portfolios, Fred can be found relaxing with family and friends.

Catherine Utley

Fun Facts About Me

Catherine M. Gareri

Fun Facts About Me

When not caring for her clients Cathy enjoys relaxing in her yard at home.

Katie E. Moore, CLTC

Fun Facts About Me

When Katie is not busy taking care of her clients, she spends her time being a mom to her two little ones, Owen and Isla.

Herbert Kyles

Fun Facts About Me

When Herbert isn't reviewing your portfolio or assisting you with your financial well-being you can probably find him relaxing with friends.

Hesper Duval

Fun Facts About Me

Loves spending time with 2 daughters and enjoys participating in 5k obstacle races throughout the year.

Donna Fournier

Fun Facts About Me

When not cheering for the Patriots Donna spends her free time travelling throughout the U.S. looking for new haunted places to explore. She loves wearing her cowboy hat and boots when travelling out west.

Anne Hawkins

Fun Facts About Me

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