Boston Retirement Planning
Leonard Martin & Associates, Inc.
We have the expertise to guide you to a successful financial future one step at a time.
At Leonard Martin & Associates, we understand that retirees face many important decisions that can affect their long-term financial success. Some of these decisions revolve around making investments that will help create a hedge against outliving their income, the impact of inflation, taxation, and rising healthcare costs. Because over ninety percent of our clients are retirees with similar concerns, we are in an advantageous position to approach such challenges with experience and skill.
Our Mission for Success
At Leonard Martin & Associates, we have made a commitment to providing excellence in everything we do for our clients. Our goal is to exceed expectations at all times by honoring you with a paramount degree of customer service. We serve you with years of experience and skill which have provided us with a wealth of knowledge regarding the financial industry. When you choose our financial planning services, you benefit from obtaining comprehensive advice from a team of highly qualified professionals and individuals with an extensive background in addressing your particular financial needs.
As an independent financial planning firm, we solely represent the needs and interests of our clients rather than any specific company. While some financial institutions recommend investment products that are manufactured by the parent of subsidiary business entities, we have no such ties. Our self sufficiency is vital to delivering nonpartisan and unbiased recommendations. Our independence and objectivity allows us to provide our clients with the commitment that they deserve. If you have questions about how to get started or want to make an appointment, send us an email or give us a call.
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Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
A Retirement Strategy Designed for You
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
03
Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
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Meet The Advisor
Leonard “Lenny” Martin, ChFC®, CLU®
President
Leonard “Lenny” Martin, ChFC®, CLU® has been in the estate planning and financial services industry since 1974. He serves clients in the states of RI, MA, CT, and FL. He is the founder and CEO of Leonard Martin & Associates Inc., a firm dedicated to serving and educating people on financial planning for their future.
Lenny is a former board member of the RI Association of Insurance and Financial Advisors. He is a member of the RI Society of Financial Service Professionals and board member of the Bristol Community College Alumni Association in Fall River, MA. He served as the state chairman for the RI political action committee for consumers and advisors. Lenny has sat on several charitable boards and committees, including Special Olympics and RI Children’s Crusade. After extensive training in Nashville, TN, Lenny has learned ways to maximize benefits dealing with Social Security planning.
Lenny is a multiple Five Star Wealth Manager and was featured in Rhode Island Monthly. Lenny is also a Registered Investment Advisor Representative and is a Chartered Financial Consultant and a Certified Life Underwriter from the American College.
Lenny’s firm specializes in estate planning for all sizes of estates, large and small. He helps his clients to avoid paying unnecessary taxes such as Income Taxes, Social Security, and Estate Taxes. Avoiding probate and increasing spendable income is another important part of his practice. And finally, helping seniors avoid Medicaid Spend Down of their assets when nursing home care is needed is a critical aspect of Lenny’s expertise.
Lenny is married to his wife Pam, and has four children and two step children along with two granddaughters. His office is conveniently located in Warwick, RI. He attributes his success to relationships, staff, focus, and passion. He believes some people leave their financial advisors not because of lack of returns, but because of a lack of relationships. His business and personal life reflect his core belief that success comes from the five F’s: Family, Finances, Fitness, Faith, and Fun.
Strategic Partnerships
Ed Slott’s Elite Advisor Group
Your hard-earned money is at high risk for being lost to taxes and fees if your advisor doesn’t know to ask you the right questions, isn’t aware of changes to the turbulent tax code, and/or hasn’t been trained in high-level retirement planning strategies.
In 2021, Lenny met Ed Slott and realized he had been missing so much for his clients. Ed Slott is the country’s foremost expert in retirement distribution planning. You may have seen Ed on PBS where he helped raise millions of dollars for Public Television, or on just about any news channel or financial publication.
Shortly thereafter, Lenny began training with Ed and his group of professionals and he is proud to be a member of Ed Slott’s Elite Advisor group.
An excerpt from Ed Slott’s website reads:
Retirement Money is One of Your Largest Assets. Are You Working with The Right Advisor?
Your hard-earned money is at high risk for being lost taxes and fees if your advisor doesn’t know to ask you the right questions, isn’t aware of changes to the turbulent tax code, and/or hasn’t been trained in high-level retirement planning strategies.
Are you making the right moves with your retirement or are you building a savings account for Uncle Sam? The answer lies in education and working with a qualified advisor.
Members of Ed Slott’s Elite IRA Advisor GroupSM train with Ed Slott and Company on a continuous basis, have completed requisite training, passed a background check, attend required workshops and complete mandatory exams. They are immediately notified of changes to the tax code and updates on retirement planning, so you can be sure your retirement dollars are safe from unnecessary taxes and fees.
Retirement planning is complicated and you need an IRA specialist in this area. It is a personal and situational endeavor with possible pitfalls in the way of success. Work with a financial professional who invests in his / her education to eliminate risk and keep more of your retirement dollars for you and your family. With new tax laws, important IRS rulings and an ever-changing financial climate, it is more important than ever for advisors to continually invest in their education. Members of Ed Slott’s Elite IRA Advisor GroupSM are dedicated to being leaders in the IRA industry and protecting their clients’ families’ futures.
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Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Blog
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Financial Calculators
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