Serving Shrewsbury, MA
Retirement, tax and estate planning from a fiduciary team just up the road in Northborough. We help Shrewsbury families nearing retirement turn decades of saving into a clear, coordinated game plan.
CFP® · IRS Enrolled Agent (EA) · AEP® · ChFC® · Fiduciary Team
Shrewsbury families tend to be planners. You chose the town for its schools, its neighborhoods and its easy reach to Worcester and the Mass Pike, and you have spent years building careers and savings with the same care. Now retirement is coming into view, and the questions are changing. How will the paycheck be replaced? What happens with taxes once it stops? Will the house and the 401(k) push your estate over the Massachusetts line?
ClearPath Financial Partners is based at 1 East Main Street in Northborough, a short drive from Shrewsbury by Route 20 or I-290. We work with Shrewsbury families who want a local, fiduciary team to organize the moving pieces of retirement, taxes and estate planning in one place, and who want to know the people behind their plan, whether we meet by video or at our Northborough office.
Local Planning Needs
Every family is different, but a few themes come up again and again in conversations with our neighbors in Shrewsbury.
With UMass Memorial Health and UMass Chan Medical School just across Lake Quinsigamond, many Shrewsbury households include physicians, nurses, researchers and hospital administrators. That often means pension elections, 403(b) and 457(b) plans, and retirement decisions with real tax consequences. See our guide to retiring from UMass.
A Shrewsbury home combined with decades of retirement saving can put a family above the $2 million Massachusetts estate tax threshold sooner than expected. Married couples in particular benefit from planning before the first spouse passes, not after.
The last five years of work are the most decision-dense of your financial life: when to retire, when to claim Social Security, how to invest for income, and whether to use the lower-income years for Roth conversions. Getting those decisions in the right order matters.
How We Help
At ClearPath, we do not treat retirement, taxes, investments and estate planning as separate products. We build one coordinated plan and revisit it with you as life changes. Explore how we approach each piece:
Turn your savings into a sustainable retirement paycheck, with Social Security, pensions and Medicare built in.
Roth conversions, RMDs, Medicare IRMAA and Massachusetts taxes, coordinated by a CFP® and IRS Enrolled Agent team.
Massachusetts estate tax planning, beneficiary reviews and trust coordination with your attorney.
Planning for physicians, nurses and healthcare leaders across Worcester County.
Why a Local Fiduciary
We are fiduciaries, which means we are obligated to act in your best interest. We are also your neighbors. Our Northborough office is minutes from Shrewsbury, and every client relationship begins with a simple conversation about what is top of mind.
Our team pairs a CERTIFIED FINANCIAL PLANNER® professional who is also an IRS Enrolled Agent with an Accredited Estate Planner®, so tax and estate questions are handled in the same room as your retirement plan. We coordinate directly with your CPA and estate attorney, many of whom practice right here in Worcester County.
Many of our clients prefer to meet online, and we make video meetings easy to fit into a busy week. If you would rather sit down in person, our office is just up Route 20.
Getting Started
A focused first meeting, by video or at our Northborough office, designed to show you where you stand before you commit to anything.
01
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
Our team projects your retirement income, taxes and estate exposure over the years ahead, including Massachusetts-specific rules.
03
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.
Your Planning Partners
President
A Worcester native who leads retirement income and tax strategy.
Partner
Leads estate planning coordination and scenario modeling.
Client Service Associate
Keeps every detail organized so implementation happens smoothly.
Executive Assistant
Keeps scheduling, workflows and office logistics running smoothly so every meeting is productive.
Trusted Guidance
Clients share their experiences on our Google Business profile.
CFP® Professional · Fiduciary Advisor · LPL Financial · Private Advisor Group
Visit Our Office
Our office is at 1 East Main Street, Suite 206, in Northborough, an easy drive from Shrewsbury by Route 20 or I-290.
1 East Main Street, Suite 206
Northborough, MA 01532
Common Questions
Do you have an office in Shrewsbury?
Our office is in neighboring Northborough, at 1 East Main Street, Suite 206, a short drive from Shrewsbury by Route 20 or I-290. Many clients prefer to meet with us online by video, and we are always glad to meet in person at our office as well.
Do you work with UMass Memorial and UMass Chan employees who live in Shrewsbury?
Yes. UMass is one of the most common employers among our clients. We help physicians, nurses, researchers and administrators coordinate pension elections, retirement plan decisions and Massachusetts tax planning as part of one retirement plan. Our UMass retirement planning guide covers the key decisions for both UMass Memorial and UMass Chan employees.
Is ClearPath a fiduciary?
Yes. As fiduciaries, we are obligated to act in our clients' best interest. Our team includes CERTIFIED FINANCIAL PLANNER® professionals, an IRS Enrolled Agent and an Accredited Estate Planner®.
When should I start working with a financial advisor before retirement?
Ideally five to ten years before you plan to retire. The final years of work are when many of the biggest decisions are made, including when to retire, how to sequence withdrawals, whether Roth conversions make sense, and when to claim Social Security. Starting early leaves more room to plan, but it is never too late to get organized.
Will my Shrewsbury home push my estate over the Massachusetts estate tax threshold?
It may. Massachusetts taxes estates above $2 million, and that total includes your home, retirement accounts, investments and life insurance you own. For many local families, home equity plus retirement savings crosses that line. There is often meaningful planning room, especially for married couples, when it is addressed ahead of time.
Who is a good fit for ClearPath?
We typically work with pre-retirees and retirees across Shrewsbury, Central Massachusetts and MetroWest with $2 million to $10 million in net worth who want their retirement, tax and estate plans coordinated. If you are outside that range, we are glad to point you toward a trusted resource.
Fiduciary · Local · Planning-First
If retirement is a few years away, or you have recently made the leap, now is a good time to pressure-test the plan. Meet with us by video or stop by our Northborough office. Bring what you have, and we will help you see the path ahead more clearly.
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. Individual tax matters should be discussed with your tax professional.
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.