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.

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Newsletters

Help Chart the Future of Your Family Business

The transition from one generation to the next is considered to be one of the biggest risks to the survival of a family-owned business. A thoughtful succession strategy not only outlines when and how ownership should be transferred but also takes tax implications, family relationships, and other sensitive issues into account.

Deciding When to Begin

Waiting until full retirement age (or up to age 70) to claim Social Security may result in significantly higher monthly benefits. At age 62, the earliest age to claim Social Security, the amount received could be only 70% of the benefit received at "full retirement age" (which ranges from age 65 to 67 depending on year of birth).

Tax Law Keeps S Corporations Attractive

S corporations are more common than C corporations and partnerships, perhaps because they are not subject to the corporate tax. Instead, profits and losses flow directly to shareholders, who are currently taxed at lower individual income tax rates. Read why reorganizing as an S corporation may be a smart move.

Insurance for Two Could Benefit Your Heirs

Survivorship life insurance offers a way to help a couple's heirs pay estate taxes, probate costs, and other final expenses — and could be especially important after 2012 when the federal estate tax is scheduled to be significantly higher. Even if the estate tax doesn't apply to an estate, the insurance proceeds could benefit heirs or a favorite charity.

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