Are you confident you can maintain your lifestyle during retirement?

Clients We Serve

Serving clients in historic Concord Massachusetts and beyond, including fifteen states and three countries. We work with a broad range of clients both virtually and in person to facilitate their journey to financial independence.

 

 

Life Transitions

Life is far from predictable, so we provide clients  with thoughtful recommendations to bring  certainty in times of change like selling a business, retirement, inheritance, divorce, or the loss of a  spouse.

 

Executives & Entrepreneurs

Business leaders have unique needs from diversifying concentrated stock to retirement  planning to advanced tax requirements, and more. Integrated financial planning helps them meet their objectives and build a path forward.

 

Late Career & Retirees

Retirement is one of the largest savings goals of your life. It’s important to have a comprehensive  plan that takes your cash flow, investments, health, taxes, and lifestyle needs into account. Our team can help prepare you for that transition and create a plan that enhances your life.

 

Trust & Inheritance

Your legacy should embody your vision and values. We can help you develop a comprehensive plan that takes your needs into account  whether that be establishing the right trust,  building an inheritance plan or donating to charity.

How Can We Help You?

We can work together in one of two ways

 

Financial Planning

Project‐based planning for a one‐time fee and a defined timeframe that could answer the  following questions. Can you maintain lifestyle in retirement? Are you ready to retire?

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Master Planning

Ongoing financial planning and investment management services.

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Our financial planning-centric approach puts you at the center of the relationship. During the planning process, we consider each of your objectives as part of a bigger, interrelated picture and then partner with you to build a plan to achieve what matters most to you.

 

 

 

Estate Planning

 

Education Funding

 

Cash Flow Projections

 

Retirement Planning

 

Portfolio Risk & Return Assessment

 

Risk Management

 

Tax Planning

 

As fiduciary advisors, we are obligated to put your interests ahead of our own. We are fee-only advisors meaning the only compensation we receive is from our clients. We do not receive commissions based on products or referrals.

Disciplined Investment Strategy via Master Planning

Monument’s philosophy is that investing can be simplified and made straightforward. By ignoring the noise and focusing on key investment concepts, we help our clients become informed investors.

 

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Welcome to The Monument Group Companies

We offer an integrated suite of services through our affiliated firms listed below including wealth management, estate planning, trust administration, and tax services. Whether you work with our in‐house team or bring in outside professionals, you can have confidence that the financial plan we build together will be implemented according to the plan.

 

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Blogs

Lee McGowan |
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After a historic campaign, Donald Trump has won the 2024 presidential election and Republicans have won control of the Senate. For half the country, this is a cause for celebration, while for the other half, this is a disappointing result that will require time to process. This reflects the divisions in our country on both social and economic matters that we hope will heal in time.
Lee McGowan |
Well, it finally happened. After months of will-they-or-won’t-they speculation, the Federal Reserve cut interest rates in September. And it was a relatively big one: The half-percentage-point decrease was the biggest the Fed has made since its emergency rate reductions in March 2020 at the onset of the pandemic. Before that, the country hadn’t seen a half a point decrease since the global financial crisis in 2008.
As we begin the final quarter of the year, financial markets and the economy have defied the expectations of many investors. Rather than falling into recession, the economy has grown steadily, albeit at a slower pace, and inflation rates have fallen toward the Fed’s target. As a result, the macroeconomic environment has shifted to a monetary easing cycle, propelling the S&P 500 and Dow Jones Industrial Average to new all-time highs and boosting bond returns. The first three quarters of the year are a reminder that it’s often best to focus on the longer-term trends rather than events in the rearview mirror.