Ryan Smith, CFP®, MetLife Resources, Financial Planner, Newburyport, MA 01950 978-225-1553
RYAN J. SMITH, CFP®

Financial Services Representative
Helping You Plan For Your Future

 

Our team provides comprehensive financial solutions for families, non-profit institutions, and small businesses. To complement these services our advisor group brings decades of experience and a commitment to trust, honesty and personalized service to our valued client relationships.

 

For individuals and families, we help clients build, protect and transfer wealth. We design and execute plans that enable them to retire on their own terms, educate their children and manage financial risk. 

For our non-profit and small business clients, we offer an array of comprehensive and customized solutions to assist their efforts to recruit, retain and reward employees. 
 
A summary of our services include:
• Comprehensive Financial Planning
  -Financial Position, Investment, Tax, Retirement, Insurance and Estate Planning
• Wealth Management and Investment Advisory Services
• Retirement Income Strategies
• Charitable Giving Strategies
• Executive Nonqualified Deferred Compensation Plans
• Qualified Retirement Plans- 401(k), 403(b), 457(b), Pension and Profit Sharing Plans

 

I am licensed and registered to offer products and services in [CT, FL, MA, ME, NH]. Licenses and registrations will vary by representative and some representatives may be licensed and registered in additional states. Please contact this office for further information.

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Building a Savings Ethic

Here are a few tips for building a savings program that may help you improve your own economic outlook, leave you room to enjoy your spending and make you a creditor - not a debtor.

Using a Variable Annuity for Guaranteed Income

One recommendation from the White House Task Force on Middle Class Working Families was for retirees to consider purchasing annuities to help provide a stable income. Investors who want their retirement portfolios to go the distance might want to learn more about variable annuities.

Tax Law Keeps S Corporations Attractive

S corporations are more common than C corporations and partnerships, perhaps because they are not subject to the corporate tax. Instead, profits and losses flow directly to shareholders, who are currently taxed at lower individual income tax rates. Read why reorganizing as an S corporation may be a smart move.

Giving the Gift of Knowledge

A college education is still a good investment. Consider this statistic: The overall unemployment rate reached as high as 9.9% in 2010, but for workers with a bachelor's degree or higher, it did not exceed 5.1%. But a college education can be expensive. There is a tax-advantaged way to accumulate money for a child's or grandchild's education: a Section 529 plan.

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