This week join Mike McNamara, Ph.D., CFP®, and his guest Bryan Fecteau of Delaney & Muncey, P.C. for a discussion about Estate Planning.

Michael J. McNamara, Ph.D., CFP®, is the Founder of McNamara Financial and a Certified Financial Planner.  He’s semi-retired, and  works with legacy clients and select others. 

Bryan Fecteau's areas of practice at Delaney & Muncey, P.C. include Estate Planning, Estate Settlement, Probate Matters, Elder Law and Corporate Law.

You can find Bryan Fecteau online at:  https://www.delaney-muncey.com/

McNamara Financial is an independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Estate Planning with Attorney Brian Fecteau - Part 1 of 2

This week, join Alyssa McNamara Reed, CFP® and her guests, Amy Hubert Masferrer, Real Estate attorney at Sherman Law, Erin Nally, estate Planning attorney from Starboard Legal, Allison Walsh, Family Law Attorney with Walsh Law Office, and Sharon McNamara and Melissa Wallace of Boston Connect Real Estate for a discussion about transitions in life.

Alyssa McNamara Reed, CFP®, is a financial planner with a passion for the intersection of taxes and investing. Alyssa works with motivated savers, beneficiaries of estates, business owners, divorcees, and pre-retirees.

McNamara Financial is an independent financial planning firm with 30+ years of experience..

COME SEE WHAT IT’S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Transitions in Life - Part 2 of 2

This week join Alyssa McNamara Reed, CFP® and her guest Lara Shea, CEO of RiverMead Lifecare, for a discussion about  community living as you age.  

Alyssa McNamara Reed, CFP®is a financial planner with a passion for the intersection of taxes and investing. Alyssa works with motivated savers, beneficiaries of estates, business owners, divorcees, and pre-retirees.

Lara Shea has enjoyed working in senior living since high school.  In fact, she was on RiverMead’s opening team back in 1995, working for two years as a dining room server.  Since then, Lara has worked her way up in the senior living field, working as an Activities Assistant, Sales and Marketing Assistant, Admissions and Marketing Director, Memory Care Director, Assistant Executive Director, CEO of Scott-Farrar at Peterborough and today as CEO of RiverMead. Lara was born and raised in Peterborough, NH.  She received her bachelor’s degree in Public Relations from the University of Rhode Island and her master’s degree in Eldercare Administration from Lasell College in Newton, MA. Currently, Lara proudly serves on the following boards - LeadingAge Maine and New Hampshire and chairs the Education Committee, Monadnock Employee Forum, ConVal High School Region 14 ATC Regional Advisory Committee and South Peterborough TIF Advisory Board.  In addition, she is an adjunct professor at Franklin Pierce University. Lara and her husband Jamieson live in Peterborough.

You can find RiverMead lifecare online at https://www.rivermead.org/.

McNamara Financial is an independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Community living as you age, with Lara Shea - Part 2 of 2

This week join Justin McNamara and his guest Julie Shields-Rutyna of MEFA for a discussion on College Decisions and Financial Aid.

Justin McNamara, CFP® is a Certified Financial Planner with passion for investment strategy and selection. Works with small businesses and owners, parents of college-bound kids, job changers, pre- and post-retirees.

Julie Shields-Rutyna is the Director of College Planning, Education, and Training at MEFA.  Julie joined MEFA in 2007 and in her role provides expertise related to planning, saving, and paying for college to families, colleges, and other organizations. Prior to joining MEFA, Julie worked for the College Board, Nellie Mae, and American Express, and was the Director of Financial Aid at the Harvard Graduate School of Education. Julie has been involved with MASFAA in a variety of positions and committees since 1993. She holds degrees from the University of Massachusetts in Amherst and the Harvard Graduate School of Education in Cambridge.


To schedule a visit with the team at McNamara Financial, be sure to visit:

https://mcnamarafinancial.com/contact
 
McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

College Decisions And Financial Aid With Julie Shields - Rutyna

This week, Mike McNamara, Ph.D., CFP® for a discussion about some critical financial issues in the US and world economies.  Is the US on the brink of bankruptcy? What can be done about it, and how can you prepare?  Why aren't politicians talking about it?

Michael J. McNamara, Ph.D., CFP®, is the Founder of McNamara Financial and a Certified Financial Planner.  He’s semi-retired, and  works with legacy clients and select others. 

To schedule a visit with the team at McNamara Financial, be sure to visit:

https://mcnamarafinancial.com/contact

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Financial News That Matters - the US debt and how it may affect our financial future

This week, Mike McNamara, Ph.D., CFP® for a an important discussion about the US national debt.

Michael J. McNamara, Ph.D., CFP®, is the Founder of McNamara Financial and a Certified Financial Planner.  He’s semi-retired, and  works with legacy clients and select others. 

To schedule a visit with the team at McNamara Financial, be sure to visit:

https://mcnamarafinancial.com/contact

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Just How Bad Is The US Debt?

This week join Justin McNamara, CFP® and his guest Bryan Fecteau of Delaney & Muncey, P.C. for a discussion about Estate Tax Laws.

Justin McNamara, CFP® is a Certified Financial Planner with a passion for investment strategy and selection. Works with small businesses and owners, parents of college-bound kids, job changers, pre- and post-retirees.

Bryan Fecteau's areas of practice at Delaney & Muncey, P.C. include Estate Planning, Estate Settlement, Probate Matters, Elder Law and Corporate Law.

You can find Bryan Fecteau online at:  https://www.delaney-muncey.com/

McNamara Financial is an independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Estate Tax Laws, with Brian Fecteau

This week, join Mike McNamara, Ph.D., CFP®, and his guest  Peter D. Stoner of AHIP (American Health Insurance Plans) a Certified Medicare Consultant/Licensed Broker (MA & NH) for a discussion about what the heck is going on with Medicare.

Michael J. McNamara, Ph.D., CFP®, is the Founder of McNamara Financial and a Certified Financial Planner.  He’s semi-retired, and  works with legacy clients and select others. 

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

What The Heck Is Going On With Medicare? (with Peter Stoner)

Join Justin McNamara, CFP® for a discussion about Annuities, with Guy Ziriak of Northeast Brokerage.

Justin McNamara, CFP® is a Certified Financial Planner with passion for investment strategy and selection. Works with small businesses and owners, parents of college-bound kids, job changers, pre- and post-retirees.

You can find Northeast Brokerage online at:

https://nb-bga.com/

To schedule a visit with the team at McNamara Financial visit:

https://mcnamarafinancial.com/contact

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Annuities With Guy Ziriak

Join Alyssa McNamara Reed, CFP®  and her guest, attorney Nicole Levy as they discuss Divorce Mediation.

Alyssa McNamara Reed, CFP®is a financial planner with passion for the intersection of taxes and investing.  Alyssa works with motivated savers, beneficiaries of estates, business owners, divorcees, and pre-retirees.

Attorney Levy is a senior associate attorney, divorce mediator, mediation coach, and collaborative law attorney who brings a precise, client-focused approach to the law combining superior legal scholarship with commonsense solutions to address clients’ legal concerns. In the courtroom, her depth of legal knowledge, as applied to the facts of each of her clients’ cases, provides the backbone for the kind of poised, well-organized legal arguments that Probate and Family Court judges favor. Among her peers, Attorney Levy is known as a focused, strong-willed negotiator with an eye for detail and aptitude for deal-making. Attorney Levy is a statutory divorce mediator pursuant to MGL Ch. 233, § 23C and is a proud member of the Massachusetts Council on Family Mediation.  Visit her online at:  https://tinyurl.com/hvkbpjnu.

To schedule a visit with the team at McNamara Financial, be sure to visit: https://mcnamarafinancial.com/contact

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Divorce Mediation with Attorney Nicole Levy

This week, join guest host Patrick Haraden, from Lockton Companies in Boston for a discussion about HR and Employee Benefits

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

HR and Employee Benefits with Pat Haraden

Join Justin McNamara, CFP®  and Alyssa McNamara Reed, CFP® for a discussion on diversification.

Justin McNamara, CFP® is a Certified Financial Planner with passion for investment strategy and selection. Works with small businesses and owners, parents of college-bound kids, job changers, pre- and post-retirees.

Alyssa McNamara Reed, CFP®is a financial planner with passion for the intersection of taxes and investing.  Alyssa works with motivated savers, beneficiaries of estates, business owners, divorcees, and pre-retirees.

To schedule a visit with the team at McNamara Financial, be sure to visit:

https://mcnamarafinancial.com/contact

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/


Diversification

This week, join Michael J. McNamara, Ph.D., CFP® and his guest Kurt Czarnowski for a dive into Social Security.

Michael J. McNamara, Ph.D., CFP®, is the Founder of McNamara Financial and a Certified Financial Planner.  He’s semi-retired, and  works with legacy clients and select others. 

Kurt Czarnowski is currently the principal in “Czarnowski,Consulting,” a retirement planning firm which in now in its 10th year of providing “Expert Answers to Your Social Security Questions.”  (www.CzarnowskiConsulting.com)

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/


More about Social Security with Kurt Czarnowski

This week join Alyssa McNamara Reed, CFP® and her guest guest Sharon McNamara of Boston Connect Real Estate for a deep dive into Real Estate.

Alyssa McNamara Reed, CFP®is a financial planner with passion for the intersection of taxes and investing.  Alyssa works with motivated savers, beneficiaries of estates, business owners, divorcees, and pre-retirees.

Sharon McNamara is a Broker/Owner of Boston Connect Real Estate (https://www.bostonconnect.com), an Empowerment T.E.A.M. Leader, and  a Real Estate Sales & Marketing Advisor.  As a professional full-time Real Estate Sales & Marketing Consultant and Broker|Owner & the Founder of Boston Connect Real Estate, Sharon McNamara is dedicated and commitment to continually “Serving With Excellence”. Her greatest accolade is representing Home Buyers & Home Sellers throughout the entire process by offering them exceptional service, exemplary communication and a guiding approach to educating them on current market values and trends empowering her clients to make knowledgeable decisions throughout the home buying and/or home selling process.

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/


Real Estate

This week, Mike McNamara, Ph.D., CFP® for a discussion about looking at the big financial picture, and how it will affect you.

Michael J. McNamara, Ph.D., CFP®, is the Founder of McNamara Financial and a Certified Financial Planner.  He’s semi-retired, and  works with legacy clients and select others. 

To schedule a visit with the team at McNamara Financial, be sure to visit:

https://mcnamarafinancial.com/contact

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/


The Big Financial Picture and How it Will Affect You

This week, join Justin McNamara, CFP® for a deep dive into what it takes to become a Certified Financial Planner.

Justin McNamara, CFP® is a Certified Financial Planner with passion for investment strategy and selection. Works with small businesses and owners, parents of college-bound kids, job changers, pre- and post-retirees.

To schedule a visit with the team at McNamara Financial, be sure to visit:

https://mcnamarafinancial.com/contact

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

What is a Certified Financial Planner?

This week, join Justin McNamara, CFP® and his guest for a discussion about protecting your income in the event of disability.

Justin McNamara, CFP® is a Certified Financial Planner with passion for investment strategy and selection. Works with small businesses and owners, parents of college-bound kids, job changers, pre- and post-retirees.

To schedule a visit with the team at McNamara Financial, be sure to visit:

https://mcnamarafinancial.com/contact

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Protecting Your Income:  Disability and Income Protection

College, Careers, & Common Sense

This week on McNamara On Money, host Mike McNamara, Ph.D., CFP®, dives into a candid conversation about college, career planning, and making smart financial choices in an increasingly challenging world. Whether you’re a student, a parent, or a grandparent, this episode is full of practical wisdom—and a reality check—about the cost of education, the value of the trades, and how to make informed decisions that lead to financial independence.

⸻

Michael J. McNamara, Ph.D., CFP®, is the founder of McNamara Financial. A seasoned financial planner with over 40 years of experience, Mike is now semi-retired and works exclusively with long-time clients and a select few new ones.

📅 Want to speak with the team at McNamara Financial?
Schedule a consultation today:

👉 https://mcnamarafinancial.com/contact

⸻

McNamara Financial is a family-owned, independent, fee-only financial planning and investment management firm. For over 30 years, we’ve helped individuals and families on the South Shore and beyond navigate their financial futures with clarity, confidence, and care.

💼 Come see what it’s like to work with a fiduciary.

http://mcnamarafinancial.com

College, Careers, & Common Sense

Episode Title: Planning for Aging and Long-Term Care with Lara Shea

Description:
Alyssa McNamara is joined by Lara Shea, CEO of RiverMead Retirement Community and adjunct professor at Franklin Pierce University, for a deep dive into the complex realities of aging, long-term care, and healthcare planning. They discuss the misconceptions around Medicare and Medicaid, the rising costs of care, the declining availability of nursing home beds, and why families must prepare for the financial and emotional impact of aging. With insights from decades of experience, this episode offers essential guidance for anyone navigating or planning for later-life care.

https://mcnamarafinancial.com/

Planning for Aging and Long-Term Care with Lara Shea

This episode features financial advisor Justin McNamara and insurance specialist Guy Ziriak discussing the critical role of **income protection through insurance**. They **explore the differences between short-term and long-term disability insurance**, including how they are typically offered (employer-based vs. individual policies), their coverage periods, and the impact of premium payment on taxability. The discussion also **examines factors influencing the cost and complexity of disability policies**, such as occupation, elimination periods, and various riders. Finally, they **briefly touch upon life insurance** as another form of income protection, highlighting its general purpose and common coverage recommendations.

Justin McNamara, CFP® is a Certified Financial Planner with passion for investment strategy and selection. Works with small businesses and owners, parents of college-bound kids, job changers, pre- and post-retirees.

To schedule a visit with the team at McNamara Financial, be sure to visit:

https://mcnamarafinancial.com/contact

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Protecting Your Income with Disability and Life Insurance

In this episode, Mike McNamara, Ph.D., CFP®, offers an in-depth discussion on several financial topics. He defines what constitutes a true investment, contrasting it with speculative assets and illustrating his point with examples like farms and businesses. He then examines the current state of the US housing market, highlighting the affordability crisis stemming from increased prices, high mortgage rates, and limited inventory due to existing low-rate mortgages. Finally, the discussion shifts to retirement planning, addressing concerns about inflation, insufficient savings, and the significant costs of out-of-pocket healthcare and long-term care, while also cautioning against the complexities of relocating in retirement.

Michael J. McNamara, Ph.D., CFP®, is the Founder of McNamara Financial and a Certified Financial Planner.  He’s semi-retired, and  works with legacy clients and select others. 

To schedule a visit with the team at McNamara Financial, be sure to visit:

https://mcnamarafinancial.com/contact

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/


What is an Investment?

In this episode, guest host Patrick Haraden, from Lockton Companies in Boston, interviews guest Diana Maserati, a senior manager of global benefits and well-being. The discussion focuses on the complexities of managing employee benefits and HR functions for a large, global company. Key topics include the challenges of compliance with diverse state and federal leave laws, the strategic decisions behind offering specific benefits like GLP-1s for weight loss, and cost containment strategies such as centers of excellence and wellness incentives. The conversation also highlights the importance of employee education regarding complex benefit plans like HSAs and the future of benefits like student loan assistance in a competitive market.

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Balancing Employee Benefits and Business Strategy

Hosts Justin McNamera and Eric Sarinin discuss the Certified Financial Planner (CFP) designation. They explain that a CFP is a generalist financial professional with a broad understanding across six core financial planning modules: financial planning principles, insurance, income tax planning, retirement planning, investments, and estate planning. The hosts emphasize the fiduciary duty of CFPs to always act in clients' best interests and that while the curriculum covers a vast array of topics, real-world application often focuses on specific client needs. They also touch on the rigorous exam and experience requirements to become a CFP, highlighting its value in providing comprehensive financial advice.

Justin McNamara, CFP® is a Certified Financial Planner with passion for investment strategy and selection. Works with small businesses and owners, parents of college-bound kids, job changers, pre- and post-retirees.

To schedule a visit with the team at McNamara Financial, be sure to visit:

https://mcnamarafinancial.com/contact

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/


Demystifying the CFP® Designation

In this episode, Alyssa McNamara Reed, CFP® , and attorney Ben Cody of Cody Law Group, discussing essential estate planning concepts. They define estate planning broadly, covering decisions about money, investments, insurance, mortgages, taxes, estate planning, living within one's means, and retirement. The conversation primarily focuses on the distinctions between wills and trusts, the probate process, and their implications for individuals and families. Key topics explored include guardianship for minor children, strategies for estate tax mitigation, and using trusts for asset protection in the context of long-term care, emphasizing the importance of informed decision-making in financial and legal matters.

Alyssa McNamara Reed, CFP® is a financial planner with passion for the intersection of taxes and investing.  Alyssa works with motivated savers, beneficiaries of estates, business owners, divorcees, and pre-retirees.

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Estate Planning - Wills, Trusts, and Protections

On this episode, hosted by Mike McNamara, we focus on personal finance and wealth management. Mike McNamara underscores the importance of living within one's means, which he defines as spending less than one earns and consistently saving at least 10% of income for retirement. He supports this advice with concerning statistics about Americans' financial preparedness, particularly for retirement, highlighting how many individuals rely heavily on Social Security. The program also features listener calls, with one caller seeking advice on tax implications for inherited retirement and bank accounts and the use of a family trust for estate planning, further illustrating practical financial considerations.

Michael J. McNamara, Ph.D., CFP®, is the Founder of McNamara Financial and a Certified Financial Planner.  He’s semi-retired, and  works with legacy clients and select others. 

To schedule a visit with the team at McNamara Financial, be sure to visit:

https://mcnamarafinancial.com/contact

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Living Within Your Means

In lieu of a regular show, McNamara on Money is taking a pause this week to honor and remember one of our own: Kirk Buchanan Reed—known to many as “Duke” or “K Money.”

Kirk was a Certified Financial Planner practitioner at McNamara Financial Services in Marshfield. After a brave and tough three-year battle with cancer, he passed away peacefully on August 29, 2025—his 45th birthday.

Kirk spent 20 years with McNamara Financial and was a regular, trusted voice on this program. If you’ve listened to the show, you knew he was sharp, thoughtful, and always ready with a good story or a laugh. And if you knew him personally, you knew he had a huge heart and a serious love for great music. His loss is deeply felt by all of us—his family, friends, clients, and listeners.

Kirk was born in Barberton, Ohio, in 1980. After graduating from Villanova University with a degree in Mechanical Engineering, he found his true calling as a Financial Advisor with McNamara Financial. He never met a golf course, bowling alley, or IPA he didn’t like, and he was known for his quick wit, generosity, and thoughtful nature.

He is survived by his children Myla (15), Callie (14), and Arden (12), their mother Alyssa, his parents Michael and Brenda, his sister Stacey, and his companion MaryEllen and her children Jace, Skye, and Meadow. His presence in their lives—and in ours—will never be forgotten.

The Reed family has asked that, in lieu of flowers, donations be made to the Cancer Research Institute at Beth Israel Deaconess Medical Center. You can find the link for contributions in the show notes.

Kirk’s wit, kindness, and friendship shaped not only this show but the lives of everyone who had the privilege of knowing him. We are grateful for the time we shared, and we will carry his memory with us in the episodes to come.

We’ll return next week with our regular programming. For now, we invite you to join us in remembering Kirk, in keeping his family in your thoughts, and in celebrating a life well-lived.

https://www.bidmc.org/research/research-centers/cancer-research-institute

In Memory of Kirk Buchanan Reed

On this episode, Mike McNamara, Ph.D., CFP® discusses the complexities of taking income from investment portfolios during retirement. He focuses on the need for a withdrawal plan to manage expenses, taxes, and market downturns, emphasizing the importance of matching the withdrawal rate to the portfolio’s expected earnings. The discussion features a call from a successful 89-year-old listener, Ed, who shares his positive experience living off his investments for 27 years, which leads to a conversation about creating cash reserves, or “buckets,” to protect against market volatility. Ultimately, the show aims to educate retirees on prudent financial strategies for drawing down their assets.

Michael J. McNamara, Ph.D., CFP®, is the Founder of McNamara Financial and a Certified Financial Planner.  He’s semi-retired, and  works with legacy clients and select others. 

To schedule a visit with the team at McNamara Financial, be sure to visit:

https://mcnamarafinancial.com/contact

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Navigating Investment Withdrawals in Retirement

In this episode, Mike McNamara, Ph.D., CFP® advises parents to proactively guide their high school and middle school children in making career decisions to ensure future financial stability and happiness. McNamara argues that a significant percentage of recent college graduates are underemployed or unemployed, suggesting that college is not the only viable path and may not be worth the cost for many. He emphasizes the importance of researching career aptitude, potential salaries, and the "living wage" before committing to expensive college majors, highlighting high-paying non-college careers like electrician and plumber as successful alternatives. Ultimately, this show is a call for parents and students to engage in serious financial and career planning to avoid future debt and dependency.

Michael J. McNamara, Ph.D., CFP®, is the Founder of McNamara Financial and a Certified Financial Planner.  He’s semi-retired, and  works with legacy clients and select others. 

To schedule a visit with the team at McNamara Financial, be sure to visit:

https://mcnamarafinancial.com/contact

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Parents Guiding Kids to Financially Secure Careers

Join host Justin McNamara and guest Julie Shields Rutyna from the Massachusetts Educational Financing Authority (MEIFA), discussing the annual topic of paying for college. The conversation covers significant, recent changes to federal financial aid and loan landscapes, including the simplified Free Application for Federal Student Aid (FAFSA) process, new limits on Parent PLUS and Graduate PLUS loans, and the reduction of repayment options to a new standard plan and a simpler repayment assistance plan. Additionally, the discussion addresses strategies for saving for education, highlighting the expanded eligible expenses and flexibility of 529 plans, as well as the benefits of the MEIFA-administered U plan (prepaid tuition plan).

Justin McNamara, CFP® is a Certified Financial Planner with passion for investment strategy and selection. He works with small businesses and owners, parents of college-bound kids, job changers, pre- and post-retirees.

McNamara Financial is an independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/



Navigating FAFSA, Student Loans, and College Savings

In this episode, host Alyssa McNamara and guest Lara Shea, the CEO of Rivermead Retirement Community. The discussion centers on the financial and social challenges of aging and long-term care in the United States, particularly for the large baby boomer generation. Key topics explored include the misconceptions about Medicare and Medicaid coverage for long-term care, the increasing difficulty of planning for these costs due to their highly variable nature, and the diminishing viability of long-term care insurance as a solution. The experts also touch on how the growing "sandwich generation" and the increasing cost of living are making it harder for adult children to care for their parents, emphasizing that private pay is becoming the most prevalent option for senior living and care.

Alyssa McNamara Reed, CFP®is a financial planner with passion for the intersection of taxes and investing.  Alyssa works with motivated savers, beneficiaries of estates, business owners, divorcees, and pre-retirees.

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/



Financial Planning for Long-Term Care Costs

Insurance 101, Part 1

This week, join Alyssa McNamara Reed, CFP®, her husband Kirk B. Reed, CFP®, and their guest Joe Powers from Rogers Gray Insurance for a discussion about insurance and how it relates to your financial well-being.

https://www.rogersgray.com/

Alyssa McNamara Reed, CFP®is a financial planner with passion for the intersection of taxes and investing.  Alyssa works with motivated savers, beneficiaries of estates, business owners, divorcees, and pre-retirees. 

Kirk B. Reed, CFP® is a financial planner with passion for client service and the intersection of golf and finances. Kirk works with beneficiaries of estates, widows, golfers, and pre-retirees.

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Be sure to check out the new McNamara on Money website at:

https://mcnamaraonmoney.com

Insurance 101, Part 1

Getting Ready for the Spring Market, with Sharon McNamara, Part 1

This week join Alyssa McNamara Reed, her husband and business partner Kirk Reed, and their guests guest Sharon McNamara and Mary Baker of Boston Connect Real Estate for a discussion about what you need to do to get ready for the Spring Market.

Alyssa McNamara Reed, CFP®is a financial planner with passion for the intersection of taxes and investing.  Alyssa works with motivated savers, beneficiaries of estates, business owners, divorcees, and pre-retirees.

Kirk B. Reed, CFP® is a financial planner with passion for client service and the intersection of golf and finances. Kirk works with beneficiaries of estates, widows, golfers, and pre-retirees.

Sharon McNamara is a Broker/Owner of Boston Connect Real Estate (https://www.bostonconnect.com), an Empowerment T.E.A.M. Leader, and  a Real Estate Sales & Marketing Advisor.  As a professional full-time Real Estate Sales & Marketing Consultant and Broker|Owner & the Founder of Boston Connect Real Estate, Sharon McNamara is dedicated and commitment to continually “Serving With Excellence”. Her greatest accolade is representing Home Buyers & Home Sellers throughout the entire process by offering them exceptional service, exemplary communication and a guiding approach to educating them on current market values and trends empowering her clients to make knowledgeable decisions throughout the home buying and/or home selling process.

Mary C. Baker is an experienced Real Estate Sales & Marketing Advisor at Boston Connect Real Estate servicing the Greater Boston area to the South Shore and beyond. Mary got her first taste of the Real Estate industry 10 years ago, being exposed to the fast paced work environment as an assistant to a Top Producing agent in Arlington, MA. In 2012 she got her Real Estate license and joined the Boston Connect Real Estate family as a full-time agent. She quickly found her place on a Team along side Sharon McNamara, the Broker|Owner, of Boston Connect Real Estate. Since being on the team she has gained an immense amount of knowledge about negotiating, marketing skills and tactics, which she applies in her position on the Team as the Buyer’s Specialist.
Mary’s primary focus for the team is using her passion for educating buyers on market trends and the home buying process to give the teams clients a competitive edge to secure their clients a new home!

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Getting Ready For The Spring Market With Sharon McNamara, Part 1 of 2

Getting Ready for the Spring Market, with Sharon McNamara, Part 2

This week join Alyssa McNamara Reed, her husband and business partner Kirk Reed, and their guests guest Sharon McNamara and Mary Baker of Boston Connect Real Estate for a discussion about what you need to do to get ready for the Spring Market.

Alyssa McNamara Reed, CFP®is a financial planner with passion for the intersection of taxes and investing.  Alyssa works with motivated savers, beneficiaries of estates, business owners, divorcees, and pre-retirees.

Kirk B. Reed, CFP® is a financial planner with passion for client service and the intersection of golf and finances. Kirk works with beneficiaries of estates, widows, golfers, and pre-retirees.

Sharon McNamara is a Broker/Owner of Boston Connect Real Estate (https://www.bostonconnect.com), an Empowerment T.E.A.M. Leader, and  a Real Estate Sales & Marketing Advisor.  As a professional full-time Real Estate Sales & Marketing Consultant and Broker|Owner & the Founder of Boston Connect Real Estate, Sharon McNamara is dedicated and commitment to continually “Serving With Excellence”. Her greatest accolade is representing Home Buyers & Home Sellers throughout the entire process by offering them exceptional service, exemplary communication and a guiding approach to educating them on current market values and trends empowering her clients to make knowledgeable decisions throughout the home buying and/or home selling process.

Mary C. Baker is an experienced Real Estate Sales & Marketing Advisor at Boston Connect Real Estate servicing the Greater Boston area to the South Shore and beyond. Mary got her first taste of the Real Estate industry 10 years ago, being exposed to the fast paced work environment as an assistant to a Top Producing agent in Arlington, MA. In 2012 she got her Real Estate license and joined the Boston Connect Real Estate family as a full-time agent. She quickly found her place on a Team along side Sharon McNamara, the Broker|Owner, of Boston Connect Real Estate. Since being on the team she has gained an immense amount of knowledge about negotiating, marketing skills and tactics, which she applies in her position on the Team as the Buyer’s Specialist.
Mary’s primary focus for the team is using her passion for educating buyers on market trends and the home buying process to give the teams clients a competitive edge to secure their clients a new home!

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY.

http://mcnamarafinancial.com/

Getting Ready For The Spring Market With Sharon McNamara, Part 2 of 2

McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years.

McNamara Financial

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