Services

Item Description

From managing your investment portfolio to planning for retirement, retirement income planning, college planning, insurance, and estate planning, as well as all other areas of your financial life, whatever your age or financial situation, a financial plan is a necessity. Certified Financial Planner Michael C. Tow is offering his services to help you create a financial plan.

A financial plan compares your desired financial future with your current financial situation. It addresses the question – what is the likelihood of reaching my financial goals given today’s facts? More importantly, if the likelihood is not acceptable, a financial plan will provide guidance of what changes would have the greatest impact on your success.

The recipient will receive a personalized Money Guide Pro Plan ™, implementable for their financial future. The completed product will allow them to understand what steps are needed to achieve their financial goals. This is a golden opportunity to take control of your financial future today!

This Financial Plan & Consultation package includes:

• First Meeting- A Financial Overview of your situation·
• Second Meeting-A Money Guide Pro Financial Plan created specifically for you
• Additional Emails and Phone Calls as needed·
• Approximately 5-10 hours of Financial Planning in total

The Following are Financial Topics that may be discussed:

• Retirement Planning·
• Budget and Debt Analysis·
• Investment Analysis and Allocation·
• Insurance & Estate Planning Analysis·
• College Planning·
• Retirement Income Planning·
• Financial Goal Planning (Buying a house, having a baby)

Item Special Note

CERTIFIED FINANCIAL PLANNER™ practitioner Michael Tow is President and Founder of New Boston Financial

. He has an extensive background in personal finance. For almost 20 years, he has been managing investments and personal finances for individuals, small businesses, and organizations.

Prior to New Boston Financial, Mr. Tow was an account vice president at UBS and managed a brokerage branch of H&R Block Financial Advisors. He holds or has completed the following: General Securities Registered Representative (Series 7),

General Securities Sales Supervisor (Series 8), Uniform Securities Agent State Law (Series 63), Life and Health Insurance license, Boston University's Financial Planning program and is a CERTIFIED FINANCIAL PLANNER™ practitioner

Mr. Tow was appointed as a member on the Health Care Security Trust board, which handles the investments of the State Retiree Benefits Trust Fund for the Commonwealth of Massachusetts. Currently, he is the President of the Board of Directors of the Asian Community Development Corporation in Boston and the past president and member of the Board of the Friends of the Needham Elderly. Also, he was selected as a "40 Under 40" honoree by the Boston Business Journal for 2010. He sat on the Massachusetts Workforce Investment Board, a board that advises the Governor of Massachusetts on Workforce Development Issues. He was also a member of Dougie's Marathon Team, marathon runners supporting the Doug Flutie Foundation for Autism.

Mr. Tow is an expert on investor behavior and the psychology of investing. He has also  given seminars focusing on financial literacy to The Commonwealth of Massachusetts' The Money Conference, senior groups, the Boston Adult Self Sufficiency program (BASS), the Massachusetts Boston Housing Partnership (MBHP), and many others. He recently appeared on Channel 5's City Line as well as on Channel 7's Asian Focus and Urban Update. Furthermore, he is a financial columnist for a Boston newspaper and has been printed in various local publications.

Mr. Tow lives in Needham with his wife, Nancy, and their three daughters.