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We believe when we discover something of great value, it is our obligation and pleasure to share it with others.

--Norman Vincent Peale

Services Offered by Denise J. Boisvert & Associates

Fixed Annuities

• Safe, guaranteed, compounded-growth insurance products which provide no risk to principal or prior gains.
• Provide retirees with incomes they cannot outlive.
• Linked to possible upside index potential without downside risk.
• Stop worrying about the volatile stock market.
• Recommended links: www.safemoneyplaces.com , and www.annuiweb.com
• Visit our Fixed Annuities page for more details.

Long Term Care

• After a lifetime of accumulating money for a comfortable retirement, it would be a bitter pill to swallow if your plans were dashed because you or your spouse incurred nursing-care bills. Yet the risk is real. We are living longer and needing care just makes sense.
• A long-term-care (LTC) insurance policy can be used to help offset expenses stemming from custodial care in your home or round-the-clock care in a skilled nursing facility. The appropriate policy can go a long way toward protecting your financial situation from unexpected LTC expenses.
• Visit our Long Term Care page for more details.

Life Insurance

• Did you know that depending on the size of your estate, your heirs could be hit with a large estate tax payment after you die (up to 48% of your estate depending on your state). The proceeds of a life insurance policy are payable immediately, allowing heirs to take care of estate taxes, funeral costs, and other debts without having to hastily liquidate other assets, often at a fraction of their true value. And life insurance proceeds are generally income tax free and can be arranged to avoid probate. Finally, if your insurance program is properly structured, the proceeds from your life insurance policy won't add to your estate tax liability.
• Life insurance provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs like daily living expenses, mortgage payments and college savings. What's more, there is no federal income tax on life insurance benefits.
• The truth is, it's always a struggle when you lose someone you love. But your emotional struggles don't need to be compounded by financial difficulties. Life insurance helps make sure that the people you care about will be provided for financially, even if you're not there to care for them yourself.

Equity Management and Mortgage Acceleration

Denise J. Boisvert & Associates works directly with reputable mortgage originators to bring you many options when looking into refinancing a home to consolidate debt, obtaining a reverse mortgage to tap into home equity without selling the home, and opening home equity lines of credit to assist with debt consolidation or college funding.

Financial independence is within EVERYONE'S reach!

If you had the opportunity to pay off your mortgage 5, 10, or even 15 years early, save in excess of $100,000 in mortgage interest payments, and you could do so WITHOUT changing your current spending habits, WOULD YOU?

Contact Denise J. Boisvert & Associates to learn how you can reach financial freedom faster than you ever thought possible. There is the

Smart and Quick Way

Smarter and Quicker Way, and the

Smartest and Quickest Way

Learn what options are best for you and take control of your financial future RIGHT NOW!

Income Planning

In retirement, will you have enough to get you where you want to go? How can you be absolutely sure? Your retirement dreams are far too important to leave to chance. Unfortunately, most people do not have a written Retirement Income Plan that shows them if--or more importantly, when--they will run out of money.

Contact Denise J. Boisvert & Associates to schedule a FREE Dreamware© Retirement Income Analysis to see exactly how far your current retirement strategy will take you. Becoming aware sooner rather than later is a major part of the solution. We can help you develop a solid plan that will ensure your income will last throughout your retirement. Many people do not realize the dramatic impact the following factors can have on retirement income...

• Death of the first spouse
• Taxes and Inflation
• Rising medical expenses and long term care
• Proper risk management

College Funding

Education Funding Solutions is a Division of Denise J. Boisvert & Associates that focuses on helping families pay for college comfortably while remaining committed to other financial goals such as establishing an emergency fund, paying down a mortgage, and saving for retirement. Education Funding Solutions will look at a family's complete financial picture and create a College Funding Plan to help the family take the proper steps to fund a college education for their child or children. Click here to learn more.

Contact Denise J. Boisvert at (508) 998-3221 for answers to your financial questions.