Elisabeth Brady, Financial Planner

07/01/2026

Having a pension is a great leg up on retirement, but there are longevity considerations to keep in mind. Cost of living increases, being one. Many pensions will not be able to keep pace with inflation over a 20-year retirement. This is why saving vehicles like 403(b)s, 457s, 401(k)s, IRAs, and ROTH IRAs are important. They each have their own rules, knowing how much to set aside and how to invest contributions gets complicated. Make sure you find an advisor with pension experience to help!

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03/11/2026

Now that nostalgia for the 1990s (thanks to Hulu) is running high, and in honor of International Women's Month, I'm pulling out this picture of my wonderful colleagues at Emory. My boss, Dot Sparer (right of me below), was quirky, fun, and the most supportive person I knew. This picture and the engraved plate were her idea. She loved calling us the "Dream Team." She was always at the ready with a complimentary note and encouraged all sorts of professional growth.

It wasn't until after her death did I learn her origin story. She was born to Jewish parents in N**i Germany. Her family fled to England then to the United States when she was a young child. I only knew her as positive, nearly delusional at times, optimist. She never alluded to her past. I believe she chose to be a shining light every day of her life.

Stacey (left), Rachel (end) and I may have complained about her exuberance at times, but we always knew she had our best interests at heart. Dot was one of a kind.

12/16/2025

Another great advisor meeting with AssetMark in the books. Spending time with industry thought leaders directly improves my work for my clients.

09/07/2025

📣 INTERN SPOTLIGHT 📣
Matthew Pappalardo, a finance major at Endicott College spent his summer at the practice learning the ins and outs of special needs financial planning. Being a sole practitioner, I found it was great to have a second set of eyes, and an alternative perspective to consider when reviewing client cases. In return, Matt sat in on meetings, streamlined on-boarding systems, and straightened out backoffice paperwork. Then there was a bit of scanning involved... OK, maybe it was a lot of scanning...

I originally was reluctant to take on an intern; however, as Matt said in his interview, "Maybe we can learn from each other." I believe that goal was achieved! Thank you for bringing your positive attitude and eagerness to learn each day. And, best of luck as you take on your Junior year! Go Gulls!

07/31/2025

ENABLE ACT NEWS

529 to ABLE rollover: An individual with a disability may roll over from a 529 education savings account to an ABLE account that is less than or equal to the annual ABLE contribution limit (Current $19,000) are not subject to income taxation.

Prior to the signing of the this bill, the rollover provision was set to expire at the end of 2025. This is great news for parents who wanted to take advantage of this opportunity.

Questions? Reach out!

06/26/2025

As we approach our golden years, take time to plan for who and how to pay for caregiving services. Long Term Care insurance can pay a significant role in the process. Caregiving is not free.

A new documentary on PBS shows what it's like to care for adult family members and recounts the history of caregiving policy in the U.S., revealing why those caring for family are often on their own.

12/21/2024

This is great news for many of my clients who have been negatively impacted by WEP/GPO laws. This repeal will allow retirees with two career tracks over their work lives to have access to benefits they contributed to over the years. Teachers, paraprofessionals, and municipal employees may see their retirement futures improve. If you wonder how this legislative change may impact your retirement, reach out!

11/06/2023

🚨 Small Biz Alert 🚨 Gordon Pan, director at The Movement Strength and Conditioning, showed me around his new facility off of Broadway in Haverhill. He specializes working with young athletes who are susceptible to overuse injuries due to their still growing bodies. As an athletic trainer, Gordon brings a medical perspective to his strength and conditioning programs, and customizes programs to the students’ goals. But, most importantly, he is a super great guy to work with! Give him a call ☎️ 978-994-2786

Www.movementsc.com


&conditioning






training

10/11/2023

🚨 Small Business Spotlight🚨

Austin Clark owns T4HC Carpet and Upholstery Cleaning 🫧 and is expanding into the Research Triangle (NC) and the West Coast of Florida. Not only is he an avid concert-goer (seen here at River Team Haverhill's River Ruckus 2023 🎸). Not only is he a good egg, but he is also a master of the low-moisture carpet and upholstery cleaning. Send him a PM to get on his busy schedule!
BNI Dynamic Referrals, Haverhill
Elisabeth Brady, Wealth Advisor, Forefront