Our Services · Northborough, MA
Wealth Management Services for Central Massachusetts Families
Retirement, taxes, investments and estate planning, coordinated by one fiduciary team into one clear plan. Start with the piece that is top of mind, and we will connect it to the rest.
CFP® · ChFC® · IRS Enrolled Agent (EA) · AEP® · Fiduciary Team
Five Services. One Coordinated Plan.
Most financial firms offer a menu. You pick investments here, a tax review there, and hope the pieces fit together. We work differently. At ClearPath, every service connects to the others, because in real life they are connected. A Roth conversion changes your tax bill, your Medicare premiums and what your children inherit. An investment decision changes your retirement paycheck. A beneficiary form can override your will.
So whichever door you walk through, we look at the whole picture. Our team of CERTIFIED FINANCIAL PLANNER® professionals, an IRS Enrolled Agent and an Accredited Estate Planner® builds one plan and keeps it current as your life changes.
What We Do
Explore Our Services
Financial Planning
The foundation. We organize every account, policy and document into one written plan, with projections, a prioritized action list and ongoing reviews as life changes.
Retirement Planning
Turn decades of saving into a sustainable retirement paycheck, with Social Security, pensions, Medicare and portfolio withdrawals coordinated from the final working years through retirement.
Tax Planning
Multi-year tax projections, Roth conversion roadmaps, RMD and Medicare IRMAA planning, and Massachusetts surtax strategy, led by a CFP® professional who is also an IRS Enrolled Agent.
Estate Planning
Massachusetts estate tax projections, beneficiary and titling reviews, and trust coordination with your attorney, so your wishes are clear and your family is protected.
Investment Management
Diversified, tax-aware portfolios built around your income needs and comfort with risk, reviewed throughout the year and rebalanced with purpose.
Specialized Planning
Planning for the People We Serve Most
Medical Professionals
Physicians, nurses, advanced practice providers and healthcare leaders with complex benefits, high incomes and little time to coordinate it all.
UMass Employees
Pension elections, 401(k), 403(b) and 457(b) decisions, and Massachusetts tax planning for employees of UMass Memorial Health and UMass Chan Medical School.
Pre-Retirees and Retirees
Families within a few years of retirement, or already retired, who want the tax and estate side of retirement coordinated.
Shrewsbury, MA
Local planning for Shrewsbury families, from our office just up Route 20 in Northborough.
Getting Started
Your First Step: A Retirement Tax Assessment
A focused first meeting designed to show you where you stand before you commit to anything.
01
Bring the Moving Pieces
Your most recent tax return, account statements, and any pension or Social Security estimates. The starting point does not have to be perfectly organized. That is part of what we help with.
02
We Build the Picture
Our team projects your retirement income, taxes and estate exposure, and looks at how your investments line up with the plan.
03
You Leave With Clarity
We walk you through the two or three opportunities that matter most and give you a clear answer about whether ClearPath is the right fit.
Why ClearPath
Fiduciary, Local and Planning-First
We are fiduciaries, obligated to act in your best interest. We are based in Northborough and work with families across Worcester County, Central Massachusetts and MetroWest, by video or in person.
We are planning-first. The portfolio serves the plan, taxes are coordinated but never the tail wagging the dog, and estate planning starts with the people you want to protect. We coordinate directly with your CPA and estate attorney so every professional in your life is working from the same playbook.
Your Planning Partners
Proudly Serving Families Throughout Central Massachusetts & MetroWest
Ryan M. Kittredge, CFP®, ChFC®, EA
President
Leads retirement income, tax and investment strategy.
Molly A. Brown, CFP®, AEP®
Partner
Leads estate planning coordination and scenario modeling.
Kelly Stadtherr
Client Service Associate
Keeps every detail organized so implementation happens smoothly.
Carol Stato
Executive Assistant
Keeps scheduling, workflows and office logistics running smoothly so every meeting is productive.
Trusted Guidance
Trusted by Professionals and Families Across Massachusetts
Clients share their experiences on our Google Business profile.
CFP® Professional · Fiduciary Advisor · LPL Financial · Private Advisor Group
Common Questions
Questions About Working With ClearPath
Do I have to use all of your services?
No. Many clients come to us with one pressing question, such as a Roth conversion, a pension election or an outdated estate plan. We start there. Because the pieces are connected, we will point out how that decision affects the rest of your plan, but you decide how far to take it.
Is ClearPath a fiduciary?
Yes. As fiduciaries, we are obligated to act in our clients' best interest. Our recommendations are designed around your plan, not around selling a particular product.
Can we meet online?
Yes. Many of our clients prefer to meet by video, which makes it easy to fit planning into a busy schedule. We are also glad to meet in person at our office at 1 East Main Street, Suite 206, in Northborough.
Who is a good fit for ClearPath?
We typically work with pre-retirees and retirees across Central Massachusetts and MetroWest with $2 million to $10 million in net worth who want their retirement, tax, investment and estate planning coordinated. If you are outside that range, we are glad to point you toward a trusted resource.
Fiduciary · Local · Planning-First
Not Sure Where to Start?
That is very normal. Tell us what is top of mind, whether it is retirement timing, taxes, an inheritance or an old estate plan, and we will help you see how it fits into the bigger picture.
The opinions voiced on this page are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Investing involves risk, including possible loss of principal. Individual tax matters should be discussed with your tax professional. ClearPath Financial Partners does not provide legal advice.
Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Private Advisor Group, a registered investment advisor. Private Advisor Group and ClearPath Financial Partners are separate entities from LPL Financial.