Randal S. Poirier, ChFC, Financial Planner, Independence Financial Partners

Helping You Navigate To A Secure Financial Future -your personal financial compass 

Randal Poirier, ChFC, of Independence Financial Partners, is the trusted financial advisor of choice for high net worth individuals, small businesses, and non-profit organizations in Newport County, RI and South Eastern Massachusetts. 

My financial planning services are fee-based and completely objective. My recommendations are based on your goals.  However, my firm is backed by the John Hancock Financial Network, which gives me the advantage of access to best-in-class solutions from many of the country's most well-respected financial services companies.

Once I've completed your written financial plan, you may choose to continue working with me as your advisor or implement the recommendations on your own.  I provide full disclosure of how I am compensated and a complete menu of advisor-client relationship options.  I also provide a thorough financial review every six months to help you avoid wealth erosion and maintain financial independence.

 

 "If you limit yourself to what seems possible or reasonable,

you disconnect yourself from what you truly want,

and all that is left is a compromise."

(Robert Fritz, The Path of Least Resistance). 

 

 

 

 

 

 

 

 

 

 

 

 

 
Calculators

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

More Calculators →

Newsletters

Leaving Your Home Out of the Retirement Equation

Plummeting home prices and increased borrowing cut U.S. home equity by more than 60% during the Great Recession — and housing prices have not yet recovered. This article considers the potential drawbacks of depending on home equity to help fund retirement.

Are Consumers Holding the Keys to a Better Economy?

Consumer spending still accounts for about 70% of gross domestic product, but some government statistics suggest that consumers may have reduced spending drastically in recent years, especially on discretionary items. High unemployment, household debt, and a general lack of confidence can affect consumers' ability and willingness to spend.

Put It in Writing

A high level of job satisfaction is fairly typical of business owners, but it can also be a hindrance if it keeps them from thinking about a planned exit strategy. A written exit plan could help you avoid surprises.

HOT TOPIC: Will Federal Reserve Tactics Help the Ailing U.S. Economy?

This article looks at policy tools that the Federal Reserve has used in the past and may use going forward in its attempts to spur economic growth. It also explains the possible implications of a long-term, low-interest-rate environment for investors, savers, and retirees.

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