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Our Services

Without a plan, it is nearly impossible for you to set, pursue, and reach your goals. At Northeast Planning Associates, we believe everyone—regardless of their level of wealth—needs a financial plan that integrates all elements of their finances. Whether you are just getting started planning for retirement or have already built a nest egg, we can help you develop your own personalized roadmap designed to help you understand where you are today and what you need to do in the future to accomplish your goals. Working with a number of local credit union members, we can provide an initial financial plan for no charge.

Our services include:

Investment Management

We believe that a diversified and flexible investment portfolio tailored to your unique situation is essential for pursuing financial goals. Avoiding short-lived investment fads, we instead focus on market efficiency and sound economic philosophies. In creating a diversified* investment portfolio, we help you understand the balance between risk and reward. Depending on your needs and risk tolerance, your portfolio may include:

  • Stocks
  • Bonds
  • Mutual Funds
  • Exchange Traded Funds (ETFs)
  • Certificates of Deposit
  • Annuities
  • Alternative Investments

Retirement Planning

We specialize in retirement planning, as many of our clients are approaching or living in their Golden Years. Typically, clients planning for retirement are less focused on taking risks and more focused on managing and preserving their wealth and creating a predictable income stream that can last through retirement. With this in mind, we develop conservative strategies with a focus on risk management. We seek to identify opportunities for building a consistent income that will last through retirement and help you determine when you may be able to retire. We can also offer you advice and education on maximizing employee benefits, Social Security, 401(k) rollovers, and other complex financial elements of retirement.

Estate Planning

Beyond ensuring you have enough money to last through retirement, you likely also want to leave a legacy to your loved ones. The financial side of estate planning is often overlooked and can have a significant impact on your family. We can assist you in articulating your estate planning needs, and coordinate the work of other professionals who may be needed, including attorneys and CPAs.

College Planning

Many families and couples may want to help pay for their child or grandchild’s future college tuition. We can help you balance these needs with your retirement planning goals and evaluate educational plans, such as a 529 plan, that allow you to simultaneously save and plan for your retirement.

Cash Flow Analysis & Debt Management

Whether you are in the middle of your career or preparing to retire, it’s important to budget to ensure you have enough assets to last through retirement. We can develop debt management tactics designed to improve your cash flow, which may include refinancing, consolidation, or changes in tax withholding.


Risk management is an important element of a complete financial strategy. Without the right type of insurance to protect your assets, you could be leaving yourself vulnerable. With access to a wide array of products, we help you determine what type of coverage is appropriate for your circumstances, including life, long-term care, and disability insurance options.

*There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.