Baystate Financial Services
Jonathan W. Hiltz, CFP®

 

Hello and welcome to the website for my financial planning practice. I trust that you find it to be informative and useful.

I've spent the past 12 years focused on building long-term relationships with individuals, families and business owners to assist them in achieving their financial goals. In spite of the complexities of the financial world, my approach is straightforward: I want to know where you're at, how you got there, and where you'd like to go. Through insightful questions and attentive listening, I collaborate with clients to determine and clarify their financial preferences, goals and priorities in order to design financial strategies to most efficiently reach those objectives.

Be sure to review our various services and the featured newsletters, which are updated on a regular basis. If you're visiting the site for the first time, please feel free to contact us if you would like more information about a particular service or to schedule a complimentary initial consultation.

 

 

I am licensed and registered to offer products and services in [ME]. Licenses and registrations will vary by representative and some representatives may be licensed and registered in additional states. Please contact this office for further information.

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Life Expectancy Calculator

What is your life expectancy?

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Learning Center

A library of tools to educate you on a wide variety of financial topics.

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Financial Calculators

Tools to help you estimate answers to common financial questions.

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Calculators

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

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Newsletters

Help an Inheritance Help You

When Americans were asked what they would do with a large inheritance, 48% said they would save it; only 8% said they would spend it on things they've always wanted. Could the Great Recession be changing attitudes about money? There are some options to consider for those who expect to receive, or have already received, an inheritance.

Understanding the Appeal of Mutual Funds for High-Income Households

Mutual fund ownership increases directly with household income. In fact, 81% of households with incomes of $200,000 or more own mutual funds. What is it about mutual funds that attracts affluent investors?

Fixed for Life

More than 40% of Americans ages 36 and older are at risk of running out of money in retirement, according to a retirement readiness study. In fact, almost one-third of people with upper-middle incomes and 13% with high incomes may not be able to pay for basic retirement expenses and uninsured health-care costs after two decades in retirement.

Giving the Gift of Knowledge

A college education is still a good investment. Consider this statistic: The overall unemployment rate reached as high as 9.9% in 2010, but for workers with a bachelor's degree or higher, it did not exceed 5.1%. But a college education can be expensive. There is a tax-advantaged way to accumulate money for a child's or grandchild's education: a Section 529 plan.

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