CFP®, CPA, MSFP
Milestone Financial Planning, LLC
Owner | CEO & Senior Advisor
CFP®, CPA, MSFP
Milestone Financial Planning, LLC
Owner | CEO & Senior Advisor
Helping clients build and grow after-tax family wealth to last their heirs and charities for generations. - Jennifer Climo, CFP®, CPA, MSFP
Specializing in tax, retirement, and financial planning with an emphasis on tax planning to reduce total lifetime taxes paid. Serving clients across the country from our New Hampshire and Massachusetts offices, meeting online and in person.
Milestone Financial Planning is a fee-only financial planning and investment management firm with offices in Bedford, NH, Newmarket, NH and Westford, MA serving clients locally and across the country. Milestone provides financial planning, investment management, and tax planning services to individuals, families, and small businesses to help organize, grow and protect assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Jennifer Climo is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Milestone Financial Planning, LLC has been helping clients since 2002. Jennifer L. Climo and six other Certified Financial Planner™ practitioners provide a full service investment management, financial and tax planning experience. The advisors are supported by a Client Service team.
Follow my thoughts on financial planning at Financial TRIAGE - YouTube
Jennifer has been working with individuals and small businesses for her entire career. Jennifer spent four years working as an auditor and tax accountant for a regional CPA firm, and then another three years as the chief financial officer for a large nonprofit organization before starting her own CPA firm in 1999 (now Jennifer L Climo CPA PC) and Milestone Financial Planning, Inc, in 2003. Jennifer merged Milestone Financial Planning, Inc. into what is now Milestone Financial Planning, LLC in 2016. Jennifer works with clients who have built their wealth over time and value family, accomplishments, and generosity.
Jennifer earned her Master of Science in financial planning, with high distinction, from Bentley University, and the designation of Certified Financial Planner™ professional from the Certified Financial Planner Board of Standards, Inc., in 2003. She earned her Bachelor of Business Administration, cum laude, from the University of Massachusetts – Amherst in 1991, and received a certificate of achievement for passing the CPA exam at the first sitting.
Jennifer is a registered advisor with the National Association of Personal Financial Advisors (NAPFA) and a member of the American Institute of Certified Public Accountants (AICPA), Fee-Only Network, and the Financial Planning Association (FPA).
Jennifer lives in Bedford, New Hampshire, with her wife and two children. She is the Finance Elder for the Bedford Presbyterian Church and is also involved in the church's annual stewardship campaign.
Jennifer Climo is a Member of the National Association of Personal Financial Advisors
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
"Will your money outlive you, or will you outlive your money?"
At Milestone Financial Planning (Milestone), we help you answer this question by providing fee-only investment management and financial planning services. Our mission is to help you achieve your goals.
At Milestone, you will work directly with a CERTIFIED FINANCIAL PLANNER(TM) practitioner and also be supported by their team of associates. Milestone has a fiduciary responsibility to its clients. We incorporate tax advice into our financial planning, as taxes are an integral part of any financial planning decision. This is an important distinction between our service offering and what other advisors generally offer. We also coordinate your plan with other professionals outside our firm at your direction - CPAs, estate planning attorneys, insurance agents, real estate brokers, etc., to assist you with implementing our financial planning recommendations.
Our value to you, in excess of our cost to you, is 1) estate/financial planning and the creation/maintenance of a goal-focused (not market-driven) portfolio 2) long-term historical perspective and 3) behavioral counseling.
Most wealth is created from hard work, thrift, and initiative. This is why most inherited wealth is gone within one generation. If you want your created or inherited net worth to last, you should implement, monitor, and update a financial plan. In today's complicated environment of investments, taxes, laws, and regulations, this can be incredibly difficult without professional assistance.
We offer ongoing services to clients who are looking for an in-depth relationship with an advisor who will understand their unique circumstances; who will handle the complexity of cash flow planning and investment management integrated with tax and estate issues throughout the years and who will proactively contact them when financial regulations change, or opportunities become available.
As a result, our service is not suitable for short-term or hourly engagements that cannot take advantage of our style of client service.
We will accept a client in any state in the USA. Currently, we are notice filed in MA, NH, ME, CT, VT, PA, CA, LA & TX, but will comply with all licensing and registration requirements of all states, as necessary.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- Tax Planning
- Keeping Wealth in the Family
- Retirees and Near Retirees
- Business Owners and Executives
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
Jennifer Climo is a NAPFA-Registered Financial Advisor
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
Jennifer Climo is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
Jennifer Climo is a member of The Financial Planning Association® (FPA®)
FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.
Jennifer Climo is a Certified Public Accountant (Learn More)
A Certified Public Accountant (CPA) is a professional accountant who has met the education and experience requirements set by their state's Board of Accountancy and has passed the Uniform CPA Exam. CPAs are licensed to provide a wide range of accounting services, including financial statement preparation, tax planning and preparation, auditing, consulting, and other financial advisory services.
Jennifer Climo Presents Free Financial Education, Open to All
Jennifer Climo is a Featured Guest on the Financial Advisor Success Podcast: "From Individual To Partnership: Managing The Merger Transition From Solo Practices"
Jennifer Climo is Mentioned in the NH Business Review
Milestone Financial Planning Announces it is the First Investment Adviser in New Hampshire to Earn the B Corporation Certification
Jennifer Climo is a Contributing Author to Exhale Lifestyle
Jennifer Climo is a Contributing Author for Planning for FI
Jennifer Climo Serves as the Stewardship and Finance Elder at Bedford Presbyterian Church
Jennifer Climo Presents Financial TRIAGE Sponsored by Bedford Presbyterian Church NH
Jennifer Climo is Quoted in Business NH Magazine: "The Not-So-Secret Ways to Retire Early"
Contact Jennifer Climo
3 Executive Park Drive
Bedford, NH 03110
342 Wadleigh Falls Road
Newmarket, NH 03857
6 Crusade Road
Westford, MA 01886