Financial Counseling and Wealth Management

A financial advisor and personal CFO for individuals, families and businesses.

Achieving financial independence and reducing financial stress requires holistic planning and a trusted advisor to guide you. At Graypoint, we take a comprehensive approach to financial counseling and wealth management, aligning your wealth with your goals and providing you with peace of mind surrounding your financial situation.

Our approach recognizes that every client’s financial journey is unique.

Two graypoint advisors meet in the hallway to review a document together

Whether you’re just beginning to accumulate wealth, approaching retirement, transitioning ownership of your business or planning for your legacy, our team adapts to meet your needs at each stage. We provide customized financial advice which may include serving as your personal “CFO.” When acting in this capacity our goal is to implement and execute upon the planning we deliver saving you time and ensuring all decisions are coordinated across your entire financial life. 

Meeting your needs at every stage:

Wealth Accumulation

Managing Life's Events

Legacy Planning

Graypoint’s clients often have substantial wealth and financial complexity due to factors like business ownership, stock or incentive-based compensation, private investments, generational wealth planning, philanthropic endeavors and complex tax considerations. With an expert team that includes attorneys, CPAs, CFAs, and CFPs, we provide the resources, experience and dedication to support you and your family through all financial phases.

Contact us for an introductory meeting.

Where Are You On Your Financial Journey?

Your are unique. Every relationship is tailored to your specific needs.

Client Stories

A couple and their two children around the kitchen island

Highly Successful Professionals

Seeking a "personal CFO" to facilitate the family's financial decisions
Wealth has been accumulated through retirement savings, stock options and real estate. With a young family and busy careers, they need help with tax planning, establishing an estate plan and coordinating advice with their accountant and attorney. Their time is limited – they need a proactive “personal CFO” who can help implement on their behalf.
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Future Retiree

Career executive looking ahead to retirement
Ann is 62 and wants to begin planning to ensure a confident transition to retirement. Ann needs decision support. She prioritizes forecasting expenses and cash-flow needs in retirement. She is also considering paying off a portion of her loans now to boost cash flow sooner. Understanding Social Security income, RMDs and performance of her current investments are top of mind.
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New Investor

Young professional building wealth and starting to plan a financial future
Kevin is a young professional on a fast track with his company. Kevin’s firm recently granted him stock options for the first time and he needs help understanding vesting, tax implications and advice such as when to exercise and how best to use the new proceeds. Kevin has diligently saved to purchase his first home and needs help creating a budget and sourcing liquidity for a down payment.
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Our Service Components

Graypoint’s Financial Counseling and Wealth Management services cover six essential areas of your financial life, which we continually coordinate with your changing needs:

Each service area is interconnected, providing a holistic approach to your financial life and a roadmap for achieving your goals over time.

Armando, a man in a navy blue suit, stands in an empty hallway, leaning against a door frame reviewing some notes in a brown leather notebook

Comprehensive Services Overview

Compensation and Benefits Planning

Whether you’re navigating complex compensation packages or planning for retirement, we provide guidance at each stage. 

  • Assisting with equity plans, retirement options, and deferred compensation as you grow your career.
  • Reviewing benefit elections and aligning designations with estate goals. 
  • Helping executives manage stock exposure and understand their holdings to reduce financial risk. 

Income Tax Planning

Our tax planning services evolve with you, from managing early investments to complex tax strategies later in life. 

  • Preparing periodic income tax projections and offering ongoing tax planning advice.
  • Calculating estimated tax payments and coordinating tax preparation. 
  • Integrating stock vesting, withholding, and basis tracking with evolving tax strategies.
  • Aligning charitable giving with tax planning for greater efficiencies.

Estate Planning

Graypoint supports you in structuring and updating your estate plans to adapt to life’s changes and ensure your legacy is protected. 

  • Reviewing and enhancing your estate plan with each life milestone. 
  • Coordinating beneficiary designations and asset titling as your wealth grows. 
  • Advising on federal and state estate tax strategies relevant to your life stage. 
  • Monitoring and making adjustments as your needs change in consultation with your attorney.

Investment Planning

Our investment planning services grow with you, from early wealth accumulation to sustaining your legacy. 

  • Managing portfolios on a discretionary basis or as a consultant with a long-term view.
  • Recommending strategies for portfolio growth and preservation as goals shift. 
  • Monitoring and adjusting investments based on market changes and personal circumstances for a lifetime of financial stability. 

Cash Flow Planning

Cash flow planning adapts with you, helping you make confident decisions today and in the future. 

  • Developing a cash flow strategy that reflects your current needs and future aspirations.
  • Offering guidance on mortgages, education funding, and retirement spending. 
  • Regularly reviewing contributions, withholding, and other elections as your financial goals evolve.

Insurance Planning

Insurance needs change as you move through life’s stages, and Graypoint’s approach adapts to ensure comprehensive coverage.  

  • Reviewing health, life, auto, home, umbrella, disability, and long-term care policies as your needs shift. 
  • Recommending coverage adjustments and identifying any gaps to protect your life and assets. 

The best advice requires tailored implementation.

Graypoint's investment knowledge and experience are the foundation for our holistic approach to managing your wealth.