Ryan Kittredge, ClearPath Financial Partners, talks to us about the runway to retirement. When do people start working with a financial planner? How long do I have and when does retirement planning happen?

Ryan Kittredge, ClearPath Financial Partners, talks to us about our investments and what we should be looking at in 2025. 2024 for most people was pretty good. The market is going well, the value of people’s homes and 401Ks is up. That has shown in more spending. Ryan talks about people taking risks in different investments such as crypto. He talks about risk-reward when it comes to investments and decisions based on how close you are to retirement. Cash, Bonds, Stocks, Real Estate, and alternative investments, Ryan covers it all. He says investing across different asset classes can help balance risk and potential returns in a portfolio. That each investor’s optimal asset allocation depends on their individual goals, risk tolerance and time horizon.

Ryan Kittredge and Molly Brown of ClearPath Financial Partners talk about Estate Planning. Brown looks at it from the viewpoint of how it affects you and your family, the human side of estate planning. She says it’s not only just about the assets and taxes but about the people and who they are today and who they might become in the future. Is the plan to split everything among the kids evenly? What does the family picture look like, blended families, the inner working that can bring up potentially difficult issues that could lead to family squabbles. Can those issues be brought forward and solved while all the family members are still here.

There are, of course, core documents that everyone should have in place. The will, the powers of attorney, healthcare proxies, perhaps a living trust. ClearPath will help optimize all of that but also help with the difficult conversation and understanding of what happens after your gone.

On this edition of the ClearPath Financial Partners podcast Ryan M. Kittredge, CFP®, ChFC® President, Financial Advisor is joined by Jim Black, Founder of The Jim Black Group in Auburn.

Ryan speaks with Jim about real estate investing. Ryan points out that people tend to fall in love with real estate investing or they don’t want to touch it at all. Ryan says he personally loves real estate as an asset class and that it can compliment an investment plan. Jim says one thing he loves having a hard asset like a home. He says not everyone is great at picking stocks but people can do very well in real estate. With real estate there are properties everywhere and if you do your due diligence or partner with the right person there are great opportunities in your own back yard. Learn more by checking out the podcast.

On this edition of the ClearPath Financial Partners podcast, President Ryan Kittridge, talks about inheritance and how you handle that. From both the parents and loved ones perspective. Including who in the family is given the task of making sure wishes are properly carried out. Ryan says in these cases a little preplanning can go a long way. Things can come up unexpectedly so the longer runway you can yourself to make these decisions the better. Ryan talks about investing that inheritance while dealing with the stress and heartache that can go with it. The pressure on a trustee can be immense so having a good team to help and support is a must. Parents want to do the planning needed to leave their family the most they can out of their estate. Loved ones want to make sure wishes are carried out when it comes to the family home, stocks and more. Ryan also says it can be OK to give yourself permission to use some of that inheritance on something that you will really enjoy, while at the same time not ending up regretting decisions later on down the road.

The cost of college is out of this world. Ryan M. Kittredge, CFP®, ChFC® President, Financial Advisor, at ClearPath Financial Partners gives us advice on how to prepare. Some people are planners and they may start investing the day the child is born. That’s not most of us. Young parents have a lot on their plate. Often times grandparents can make helping with a child’s tuition part of their savings plan. Parents can use a 529 college savings plan. In MA that is the U. Fund. Ryan goes through exactly how the Fidelity U. Fund and other types of funds work. Ryan also talks about what you can do when college is right around the corner and you haven’t had as much time to save.

In this podcast ClearPath Financial Partners President Ryan Kittredge talks about how to avoid some of the common pitfalls as you approach retirement. He says you need to have a plan ready for where you are in life. Investments can be different ten years, five years and two years out from retirement. He shares advice for those who still have some time before retirement, including advice on Roth IRA’s and more. Especially earlier in your career you may want to prioritize a Roth IRA, When you are retired you may be in a low tax bracket in the first couple of years and may want to look at converting to a Roth as well.

On this edition of the ClearPath Financial Partners Podcast, Ryan M. Kittredge, CFP®, ChFC® President, Financial Advisor talks to us about investments and how we look at those investments, particularly, as we get closer to retirement. ClearPath focuses on later career professionals and helping them prepare for retirement. It may make sense to have been more aggressive when you were younger and were looking years into the future. When you approach retirement it is time to evaluate that plan. People want to have a well mapped out plan and even the difference between 55 and 62 can be huge in how you approach your retirement plan. Ryan guides through the world of stocks, bonds, money market accounts and more.

Ryan M. Kittredge, CFP®, ChFC® President, Financial Advisor, ClearPath Financial Partners of Northborough talks to us about tax season. Make sure you have all the documents you need, no need to “tip” the IRS or have to amend your tax return. Ryan also talks about ways to save money on taxes. There are some things you can do right up until the filing deadline to save money. He goes over different documents and what you need to know about them, such as 1099’s. Ryan provides guidance for the future so you can get the most out of your investments. Find out all the things you should be doing to save the most money you can.

In the first podcast of the new year, Ryan Kittredge, President and Financial Advisor at ClearPath Financial Partners, discusses how personal finance might figure into a one’s resolutions. Though individuals’ financial goals may differ, the start of a new year is a great time to re-examine those goals and establish healthy investment habits.