Top financial advisors in Worcester, MA
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
If you have a high income that might trigger Massachusetts' "Millionaire's tax," you need an advisor who understands how this surtax affects your overall tax picture. Without this expertise, you could miss opportunities to reduce your tax burden or mismanage income timing.
- Surtax impact analysis. Ask how they factor the additional tax on income over certain thresholds into your financial plan.
- Income timing strategies. Confirm whether they help you plan when to recognize income to minimize surtax exposure.
- Coordination with tax professionals. Ensure they work closely with your tax preparer to navigate state-specific tax rules effectively.
- Investment location decisions. Discuss how they choose which accounts to draw from first to optimize tax outcomes considering the surtax.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Michael H
ChFC®, Series 63, Series 65
Worcester, MA
Cutler Capital Management
Michael Hogan's 38 years of experience and ChFC® credential equip him to address complex tax implications like Massachusetts' Millionaire's tax for high-net-worth clients in Worcester. His firm, Cutler Capital Management, specializes in convertible securities and REITs, using fundamental and technical analysis with hedging strategies, and offers flat-fee financial planning, distinguishing him from advisors with different fee structures or investment focuses.
Experience: 39 years
Avg account: $2,259,628
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Robert O
Series 63, Series 65
Worcester, MA
Capitol Securities Management, Inc.
Robert Oftring's 43 years of experience and Series 63 and 65 credentials equip him to address complex tax implications like Massachusetts' Millionaire's tax for high-net-worth clients. Operating through Capitol Securities Management, he offers flat-fee financial planning and pension consulting, serving individuals and institutional clients, which distinguishes him with a broad service scope and a practical investment approach in Worcester, MA.
Experience: 44 years
Avg account: $437,788
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Brett K
Series 66
Worcester, MA
Capital Analysts
Brett Kubiak in Worcester, MA, is equipped to address tax implications for high-income clients, leveraging Capital Analysts' quantitative investment process and a large-firm environment. His expertise includes tax-loss harvesting and active portfolio management, with a fee structure of 0.15% AUM or $200 minimum annually, distinguishing him through a blend of sustainable investing and insurance product knowledge.
Experience: 4 years
Avg account: $540,083
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Kerri M
Series 66
Worcester, MA
Mass Mutual Investors Services
Kerri Melley in Worcester, MA, brings 21 years of experience and a Series 66 designation, making her well-equipped to address complex tax implications like Massachusetts' Millionaire's tax. Working at Mass Mutual Investors Services, a large firm offering comprehensive financial planning and asset management, she also specializes in estate planning and multi-generational wealth transfer, providing a broad perspective compared to advisors focused solely on surtax strategies.
Experience: 21 years
Avg account: $249,379
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Justin G
Series 65
Worcester, MA
New Harbor Financial Group, LLC
Justin Griffin in Worcester, MA, offers expertise in active portfolio management and options strategies, which can be valuable for managing income timing and investment location decisions related to Massachusetts' Millionaire's tax. His firm serves high-net-worth clients with discretionary and non-discretionary investment management, providing flexible fee options including flat fees and hourly rates, distinguishing him from advisors with more traditional fee structures.
Experience: 14 years
Avg account: $798,079
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