One person, start to finish
You work with Paul directly, not a call center.
How we work
How We Work
No jargon and no surprises. Here's exactly what happens when you work with Paul, from the first conversation to the years that follow.
What is the process of working with Paul?
Working with Paul follows five steps: a no-cost first conversation, a discovery meeting to gather your details, a written retirement income plan, putting that plan into action, and regular reviews to keep it on track. You decide at each step whether to keep going.
Five steps
- 1
Coffee & a Second Opinion
About 30 minutes, no costWe talk about where you are, what you're worried about, and what you want retirement to look like. If it doesn't seem like a fit, Paul will tell you, and point you in a better direction if he can.
- 2
Discovery
About an hourPaul gathers the details: savings and account statements, Social Security estimates, pensions, insurance, spending, and goals. Bring what you have; he'll help with the rest.
- 3
Your written plan
Paul builds your retirement income plan and walks you through it page by page: what you can spend, when to claim Social Security, which accounts to draw from, and how your spouse is protected. You take it home, read it, and ask questions.
- 4
Put it into action
If you decide to move forward, Paul helps open and organize accounts, roll over old retirement plans, and set up your income. He coordinates with your CPA and estate attorney so everything works together.
- 5
Stay on track
Paul reviews your plan with you at least once a year, and whenever life changes: a retirement date, a health event, the loss of a spouse, an inheritance, or a market shift.
How you'll work with Paul
Your choice of format
Meet at the Woburn office, by phone, or by video.
Plain English
Every recommendation comes with the reasoning behind it.
Coordinated
Paul works with your other professionals, not around them.
How Paul is paid
Paul offers services through LPL Financial. Depending on what you choose, you may pay an advisory fee based on the assets Paul manages for you, a fixed fee for financial planning, or commissions on certain products such as insurance and annuities. Before you decide anything, Paul will explain exactly how you would pay and what it would cost. Full details are in LPL's Form CRS.
Get a Second OpinionStraight answers
Frequently asked questions
Typically a few weeks after the discovery meeting, depending on how quickly the information comes together.