Robert E. Maloney| MSFS, AEP®
Squam Lakes Financial Advisors, LLC
- Fee-Only Financial Services
- Comprehensive Financial Planning
- Free Initial Consultation
- Retirement Planning
- 25 Year Cash Flow Analysis
- Elder Care Issues
- Planning for Business Owners
- Women's Financial Issues
- Divorce Financial Planning
- Unmarried and Same-Sex Couples
- Advising Medical Professionals
- Succession Planning
Holderness, NH 03245
Fee-Only & Fiduciary
The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.
Bob Maloney is a Fee-Only Financial Planner located in Holderness, NH and serving the entire Squam Lakes region including Plymouth, Meredith, Moultonborough, Sanbornton Sandwich and Laconia, NH area. Squam Lakes Financial Advisors, LLC specializes in Comprehensive Financial Planning, Pre & Post Retirement Planning, Women's In Transition and Long Term Spending Plans. Bob is a NAPFA-Registered Financial Advisor.
Robert Maloney founded R.E. Maloney Associates, Ltd. (The predecessor to Squam Lakes Financial Advisors, LLC) in 1982 to provide Fee-Only personal financial planning services. Led by the needs of his clients, he developed the firm's expertise in comprehensive planning. His client base includes women, retiring and retired couples, and owners of closely held businesses. They look to Squam Lakes Financial Advisors, LLC to help articulate personal goals and develop comprehensive planning strategies for achieving those goals.
Bob has served as Chairman, President and Director of the Connecticut Estate and Tax Planning Council, President and Director of the Southern Connecticut Chapter of the International Association of Financial Planners (IAFP) and is currently a member of the New Hampshire Estate Planning Council. He is also an active member of the National Association of Personal Financial Advisors (NAPFA); he served three years as President and Director of the Northeast Mid-Atlantic Region of NAPFA. Bob is the immediate past Chancellor of NAPFA University for the continuing education of planners/advisors.
In the fourteen years prior to founding his own business, Bob was associated with trust departments where he administered estates, trusts and developed new business. Bob's undergraduate studies were at Siena College in Loudonville, NY. He was awarded the Master of Science Degree in Financial Services (MSFS) from the American College in Bryn Mawr, Pennsylvania.
Financial writers have sought Bob's expertise in areas of personal finance. He has been quoted in the Wall Street Journal, Investment Advisor, Medical Economics, Physicians Personal Advisory and Money magazine; Bob has also been featured in Financial Planner magazine for his work as a financial advisor to women.
In addition, Bob has been recognized as one of the best financial advisors in the country by Money and Worth magazine. Medical Economics also recognized Bob as one of the best financial planners in the country for doctors. Bob has also been a participant for a number of years in the "Who Can Make the Best Apple Pie Contest" in Holderness, New Hampshire.Bob is a past Chairman of the Foundation of "Hospice of the Chesapeake" and became a Board Member of the Squam Lakes Chamber of Commerce. He is also a member of the Holderness NH Zoning Boards of Adjustment and the Budget committee.
In 2012, Bob was elected to the Board of the Speare Memorial Hospital and serves on the hospital's Finance Committee
It is our goal to make sure our clients reach their goals. We believe in order to reach those goals we must have a good understanding of their situation. Not everyone's goal, or the ability to reach that goal, is the same. We found the best way to help the client is to simply listen. We rely on input from investment portfolio managers, CPA's or tax advisors, estate planning attorneys, insurance providers even counselors to make the right decision. We listen to everyone, but most importantly the client. Together we find out what is truly important and help them make the hard decisions.
Our clients know we are here to walk through the process and ensure all moving parts are addressed. By concentrating on only one isolated part risks overlooking the effect and impact on the other areas of the financial plan. With a comprehensive plan Long Term Spending, Investments, Retirement, Insurance, Income Tax and Estate planning are all reviewed. We may rely on the input from specialist in each field, but it is the responsibility of Squam Lakes Financial Advisors, LLC to ensure each decision is the right decision for the whole financial picture.
LONG TERM SPENDING PLAN
Squam Lakes Financial Advisors, LLC will analyze current living expenses versus current income and prepare 25-year projections for future anticipated living expenses, income taxes and all sources of income (e.g. compensation, investments, pensions etc.). This will be the guide for retirement and will provide a framework for decision making that will be updated as changing circumstances require.
Investments are not simply about choosing the right stock. It is about determining the risk level appropriate to achieve the personal goals. We work with professional investment managers in developing an asset allocation model and investment policy statement for our clients while being conscious of the tax implications and with the family's goals in mind.
The goal is to coordinate retirement goals, long term spending and the investment choices. We will also address issues such as: employment-related benefits, qualified plans, other tax deferral arrangements, social security, health care and long-term care issues. A client's stage in life and their goals can affect the type of investment, how that investment is titled and/or the rate in which you withdraw from that investment when the time arrives.
With clients' insurance professionals we review adequacy of types and amounts of coverage: property & casualty, health and major medical, excess liability, disability, life insurance and the need/desirability of long term care coverage. We want to ensure our clients and their families are protected when the unexpected happens.
INCOME TAX MINIMIZATION
This is the area where a competent accounting professional can work in tandem with Squam Lakes Financial Advisors, LLC on making appropriate recommendations for minimizing federal and state taxes. This includes consideration of tax avoidance or deferral strategies such as tax-free bonds, use of IRAs, qualified retirement plans and Alternative Minimum Tax planning. It is our job to make sure the decisions made are the best ones for the overall financial picture.
Current wills, trusts, powers of attorney and related documents are reviewed. We provide recommendations for revisions or amendments and analyze beneficiary designations and allocation of assets by title. Consideration are given to both testamentary and lifetime gifting strategies consistent with personal goals and spending projections.