Norwell, Massachusetts
A public pension is the largest asset most people will ever own, and almost nobody has read theirs.
Which survivor option, which retirement date, whether to buy back service years — these choices are worth six figures each and are usually made in an afternoon, from a form.
We charge by the hour, we do not manage your money, and we have never sold an annuity. That is not a moral position; it just means the advice can be about your pension rather than about our inventory.
We do not sell annuities. It makes the advice much easier to trust.
Before we start
01
You already have a pension
Public, union or corporate. Reading it properly is the whole service.
02
A decision with a date
A retirement window, a buy-back deadline, a survivor election.
03
An hour of your time
Most questions are answered in one meeting, and we will say so.
Four boxes on a form, and what each one is worth
- Survivor option
- $180,000
- The difference between 100% and 50% survivor, over a normal retirement.
- Retirement date
- $94,000
- Four months either side of a service anniversary changes the multiplier.
- Service buy-back
- $140,000
- Three purchased years, paid for once, drawn for thirty.
- Unused sick leave
- $31,000
- Converted or forfeited, depending on a box on one form.
Figures are from real cases, rounded. Most were decided in under an hour, without advice.
The people
Everyone here, and what each of them actually does.
25 people across Norwell and Worcester. The list is complete — there is no second bench.
- 01Anthony IvywoodManaging Principal
- 02Benjamin BradshawManaging Principal
- 03Deborah DashwoodSenior Adviser
- 04Jeffrey PrescottSenior Adviser
- 05Julia SinclairSenior Adviser
- 06Paul LockhartAdviser
- 07Peter GainsboroughAdviser
- 08Richard VandermeerAdviser
- 09Ronald CamdenAdviser
- 10Ryan JenningsPortfolio Manager
- 11Samuel KirklandPortfolio Manager
- 12Sandra KirklandPortfolio Manager
- 13Steven FairfaxFinancial Planner
- 14Roger SedgwickFinancial Planner
- 15Eleanor ChadwickFinancial Planner
- 16Malcolm MerriweatherHead of Client Service
- 17Adele WadsworthHead of Tax
- 18Theodore GarrickHead of Retirement Planning
- 19Sylvia RadcliffeChief Investment Officer
- 20Desmond CarringtonChief Compliance Officer
- 21Margaret LarkinDirector of Research
- 22Roland UnderhillDirector of Operations
- 23Vivian FairbanksClient Associate
- 24Arthur QuimbyClient Associate
- 25Constance BramwellTrading Operations
Open role
We are hiring an adviser, in Norwell.
Public pension expertise, a CFP, and comfort working entirely without a product to sell.