• What is GSI Financials?

    An independent and virtual financial services firm that assists people with retirement income distribution planning to help them sustain themselves during a potentially lengthy retirement.

  • What is retirement income planning?

    The primary goal for most is to maximize spending power to achieve their retirement lifestyle that is consistent and sustainable no matter how long retirement lasts.

    An area of financial planning focused on managing spending, investments, risks, and taxes to meet daily expenditures for as long as possible, maintain a desired standard of living, provide a legacy for the family or community, and preserve liquidity for unexpected expenses and contingencies during retirement.

  • Why choose GSI Financials?

    You have been smart to save for retirement throughout your working career. Now let GSI Financials show you smart ways to create a consistent, reliable, and tax-efficient retirement income stream to support your retirement lifestyle. At GSI Financials retirement income is about creating a plan to achieve your lifestyle goals, access reliable income sources, address retirement uncertainties and ensure you will not outlive your income.

    Many financial planning firms focus on helping their clients accumulate retirement assets. It is important to save for retirement, but planning how to spend it in retirement is much more challenging. Managing steady spending power over a potentially long retirement while facing many risks isn't something everyone can manage effectively. Our clients benefit from our unique combination of experience, skills, and training in this problem domain.

  • You may be a good fit if:

    • You are an empty nester with needs centered on you.
    • You are retired or thinking of retirement and want planning, tax preparation, and investment management and have investible assets greater than $1 million.
    • You have an investment, retirement, or tax planning challenge hampering retirement.
    • You have saved for retirement and now need to know how to spend in retirement.
    • You are a delegator more focused on enjoying retirement and accommodating to expert guidance and desire an ongoing advisory relationship.

  • You may not be a good fit if:

    • You are early to mid-career, and retirement is a long way off.
    • You are more worried about how to save for retirement and less worried about how to spend in retirement.
    • You have needs in young family planning, college planning, debt management, student loan management, special-needs planning, stock options, and alternative investments.
    • You are self-directed and confident in creating and implementing financial solutions without ongoing advisory services. If you would like a second opinion, reach out and we can discuss your plan with a complimentary call.
    • You are reluctant to delegate investment, retirement, and tax planning needs to a financial professional.

  • Do you only work with clients in Massachusetts?

    No, we are a virtual financial firm, we can work with clients in Massachusetts and across the country using the latest technology. All we ask is that you be comfortable with virtual interactions.

  • What is fee-only financial planning and why should that matter to me?

    A fee-only model means that we do not accept commissions from third parties for the financial products and services we recommend. Our services are compensated directly by you, our client(s). By doing so, we can serve as an objective partner in making financial planning decisions for you. Our fees will always be clearly outlined in advance of our engagement.

A good financial advisor is particularly valuable when an investor transitions from the accumulation mode to the distribution mode at retirement.

  • Coordinating a working career of accumulation into a stream of retirement income that will last throughout retirement is a major challenge and needs the experience of a financial advisor who has developed a specialization in retirement income planning.
  • Not only do investments need to be carefully managed, but distributions must likewise be managed in conjunction with pensions and social security benefits.
  • All these sources of retirement income must be coordinated with each other to maximize income and to minimize taxation throughout retirement. The goal is to create a stream of tax efficient, inflation – beating income that will last for decades.