Where You Stand Today
We organize a complete balance sheet and cash-flow picture: every account, income source, debt, policy and document. Then we identify your strengths, challenges, opportunities and threats in plain English.
Financial Planning · Northborough, MA
Comprehensive Financial Planning for Worcester County Families
Retirement, taxes, investments, insurance and estate planning shouldn't live in separate folders. We bring every moving piece together into one clear, written game plan, and we stay with you as life changes.
CFP® · ChFC® · IRS Enrolled Agent (EA) · AEP® · Fiduciary Team
One Plan, Not a Pile of Accounts
Most families we meet have done a lot of things right. They saved diligently, bought a home, raised a family, maybe built a practice or climbed the ranks at a hospital or company. Along the way, the financial picture got complicated. A 401(k) from one job, a 403(b) from another, an IRA, a brokerage account, a pension estimate, life insurance through work, estate documents from years ago. Each piece made sense when it was added. Nobody has looked at how they fit together.
That is what financial planning is for. Not a sales presentation, and not a thick binder that sits on a shelf. A clear picture of where you stand, what you want your money to do, and the practical steps to get there, in the right order.
The starting point does not have to be perfect. We are not here to judge past decisions. We are here to help organize the pieces so the next decisions become clearer.
The Full Picture
What a ClearPath Financial Plan Covers
Every plan starts with your goals and works backward through cash flow, taxes, investments, insurance and estate planning. Nothing is looked at in isolation, because one decision almost always affects another.
Where You Want to Go
Retiring at a certain age, helping children, traveling while you are healthy, leaving a legacy. We turn those goals into numbers and model whether your resources can support them under conservative assumptions.
How to Get There
A prioritized action list, not a vague set of recommendations. Which accounts to consolidate, which beneficiaries to update, when to consider a Roth conversion, what to raise with your CPA or attorney, and in what order.
Planning at One Table
A Team That Covers the Whole Plan
Financial plans fall apart at the seams, where the investment advice doesn't account for taxes, or the estate documents don't match the beneficiary forms. ClearPath is built to close those gaps.
Our team pairs CERTIFIED FINANCIAL PLANNER® professionals with an IRS Enrolled Agent and an Accredited Estate Planner®, so retirement income, tax strategy and estate coordination are handled together, by people who talk to each other. We also coordinate directly with your CPA, estate attorney and insurance professionals, so everyone is working from the same playbook.
We are fiduciaries, obligated to act in your best interest. Our planning is designed around your goals, not around selling a product.
Who We Help
Who Comprehensive Planning Is For
Our comprehensive planning work tends to fit families in one of these situations.
Within a Few Years of Retirement (Or Already Retired)
Retirement is close or already here, and you want to know whether you are on track, what could derail you, and what to do now to keep your options open.
Medical Professionals and Executives
High income, complex benefits, equity compensation or practice ownership, and very little time to coordinate it all. You want a team that understands the details and keeps the plan moving.
Families Navigating a Transition
An inheritance, a business sale, a divorce, the loss of a spouse, or a move. Big moments call for a pause and a plan before irreversible decisions are made.
Busy Couples Who Want One Coordinated Plan
You have been managing things yourselves, or with several professionals who never talk to each other. You want a single team to organize the pieces and a clear, shared understanding of the plan.
What We Do
Our Financial Planning Services
Your plan is built around the areas that matter most to your situation. For most families, that includes some combination of these.
Cash Flow and Retirement Projections
Year-by-year projections of income, spending, taxes and portfolio withdrawals, stress-tested with “what-if” scenarios so you can see how the plan holds up if markets, health or timing change.
Tax Strategy Coordination
Multi-year tax projections, Roth conversion analysis, withdrawal sequencing and Medicare premium planning, coordinated with your CPA.
Investment Planning
A portfolio built around the jobs your money needs to do, with allocation, diversification and concentration risk managed as part of the plan.
Equity Compensation and Concentrated Stock
RSUs, stock options, ESPPs and employer stock analyzed for tax impact and risk, with a phased strategy that fits your broader plan.
Insurance and Risk Review
Life, disability, long-term care, umbrella and employer coverage reviewed for gaps and overlap. We identify the risk first, then coordinate with qualified insurance professionals where appropriate.
Estate and Family Planning
Beneficiary and titling reviews, Massachusetts estate tax projections, family support decisions and coordination with your estate attorney.
What Working Together Looks Like
How Our Planning Process Works
Planning is not a one-time event. The first plan gives you a roadmap, and we keep it current as your life, the markets and the tax rules change.
01
Start With a Conversation
We begin with what is top of mind, then gather the moving pieces: statements, tax returns, benefits information and estate documents. It does not need to be organized. That is our job.
02
Build Your Written Plan
Our team builds your plan, including a clear summary of where you stand, projections under conservative assumptions, and a prioritized action list. We walk through it together until it makes sense.
03
Implement and Keep It Current
We help put the plan into action, coordinating with your CPA and attorney, then meet regularly to review progress and adjust when life changes. You always know what is next.
Free Resource
Download the Retirement Readiness Checklist
A practical checklist for the years around retirement, covering income, taxes, investments, Social Security, Medicare and estate coordination. Use it to organize your questions before we meet.
Educational resource only. Not a substitute for personalized tax, legal or investment advice.
Explore Our Services
Every Piece Connects
Financial planning ties everything together. Explore how we approach each part of the plan in more depth.
Your Planning Partners
Proudly Serving Families Throughout Central Massachusetts & MetroWest
Ryan M. Kittredge, CFP®, ChFC®, EA
President
Leads retirement income, tax and investment strategy.
Molly A. Brown, CFP®, AEP®
Partner
Brings structure to planning models, estate coordination and implementation.
Kelly Stadtherr
Client Service Associate
Asks the clarifying questions and keeps every task organized.
Carol Stato
Executive Assistant
Keeps scheduling, workflows and office logistics running smoothly so every meeting is productive.
Trusted Guidance
Trusted by Professionals and Families Across Massachusetts
Clients share their experiences on our Google Business profile.
CFP® Professional · Fiduciary Advisor · LPL Financial · Private Advisor Group
Listen: Financial Planning on the ClearPath Podcast
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Signs your plan may need a fresh look as life and markets change.
Retirement Planning Tips and Common Pitfalls
Practical lessons from years of retirement planning conversations.
How Life and Disability Insurance Plays a Role in Approaching Retirement
Where insurance fits in the plan, and when coverage needs change.
Common Questions
Financial Planning Questions We Hear Most
What does a comprehensive financial plan include?
A ClearPath plan typically includes a complete balance sheet, cash-flow and retirement projections, tax strategy, investment recommendations, an insurance review, and estate and beneficiary coordination, all tied to your goals. Most importantly, it includes a prioritized action list so you know what to do next and in what order.
What is the difference between a financial planner and a financial advisor?
The terms are often used interchangeably. What matters more is the advisor's credentials, whether they act as a fiduciary, and whether they look at your whole financial picture or just your investments. A CERTIFIED FINANCIAL PLANNER® professional has completed rigorous education, examination and experience requirements and commits to ongoing continuing education.
Is ClearPath a fiduciary?
Yes. As fiduciaries, we are obligated to act in our clients' best interest. Our planning is designed around your goals, not around selling a particular product.
When should I start working with a financial planner?
There is no wrong time, but many of the most valuable planning decisions happen in the five to ten years before retirement, when choices about savings, taxes, Social Security and investments start to have deadlines attached. Starting earlier leaves more room to plan.
Do you coordinate with my CPA and estate attorney?
Yes, and we think it makes a real difference. We share projections, proposed strategies and beneficiary information with your other professionals so decisions are made together, before year-end or before documents are signed, rather than after the fact.
How often will we meet?
After your initial plan is built, we meet regularly to review progress, and more often around big decisions like retirement dates, Social Security elections or a Roth conversion. We also stay in touch between meetings whenever something changes in your life.
Who is a good fit for ClearPath's financial planning?
We typically work with pre-retirees and retirees across Worcester County, Central Massachusetts and MetroWest with $2 million to $10 million in net worth who want their retirement, tax, investment and estate planning coordinated in one place. If you are outside that range, we are glad to point you toward a trusted resource.
Fiduciary · Local · Planning-First
Ready to See the Whole Picture?
Bring the accounts, the statements and the questions you have been putting off. We will help you organize the moving pieces and build a clear path forward.
The opinions voiced on this page are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Investing involves risk, including possible loss of principal. Individual tax matters should be discussed with your tax professional. ClearPath Financial Partners does not provide legal advice.
Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Private Advisor Group, a registered investment advisor. Private Advisor Group and ClearPath Financial Partners are separate entities from LPL Financial.