Private Financial Design

 

Welcome to Private Financial Design!

Our mission is focused on providing the most thorough financial planning and advice available for each generation of our clients. It is our ambition to deliver excellent service that exceeds our client's expectations.

Our administration staff includes:



  • Cookie Hastings, Client Services Manager
  • Elizabeth Taylor, Client Data Manager


Our Financial Advising is provided by:



  • A.R. Beaudry, CFP®, CLU, ChFC, CASL®, Registered Principal
  • Dan Moroney, CFP®, Financial Advisor


Browse through our site and make yourself at home. As our client you can access your accounts with the link on the left-side toolbar.

Any suggestions? Please let us know!

If you want to call us you can reach Private Finacial Design:



  • Toll-Free:  800-779-1951     Local: 413-552-3669 
  • Fax: 413-552-3436


Email Private Financial Design:



 

Our office is located at:

87 Willimansett St.

South Hadley, Massachusetts 01075.

 

Have a great day!

 

Private Financial Design, LLC is not affiliated with Cambridge Investment and Research, Inc.
Calculators

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

Savings Goals

How much do you need to save each year to meet your long-term financial goals?

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

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Newsletters

Balancing Stability and Growth

An investor who is 2 or 3 decades from retirement could decide to be more aggressive in pursuing investment growth than someone approaching retirement. Even though investors address this by transitioning to a more conservative asset allocation, they still need to seek growth while balancing the desire for principal preservation. This article offers some factors to consider.

Favorable Dividend and Capital Gains Tax Rates Extended—for Now

The 2010 Tax Relief Act extended the 15% maximum tax rates on qualified dividends and long-term capital gains through December 31, 2012. But without further legislation, dividends will be taxed at ordinary income tax rates and capital gains tax rates will return to 20% (23.8% for investors in the two highest tax brackets) in 2013.

Tracking the Rise of Target-Date Funds

Investments in target-date funds have grown during the last decade. They are often the default choice in employer-sponsored retirement plans and viewed favorably by some investors for their helpful approach to asset allocation. This article explains the advantages and disadvantages of these funds and cautions potential investors about several common misconceptions.

Evaluating Life Insurance Needs

It's a good idea for people to evaluate their life insurance coverage to help ensure it keeps pace with their needs. Not only do major life events affect the amount of coverage that may be needed, but inflation can reduce the purchasing power of the death benefit and a greater benefit may be needed to cover estate taxes and other debts.

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