30 Boltwood Walk, Amherst, Massachusetts 01002, United States
Services
Planning Futures
A Comprehensive Approach
A Comprehensive Approach
Collectively we have helped educate consumers to create programs and portfolios to pursue long-term financial goals since 1995. If you have questions about investments, retirement, and/or the public employee system, we're here to help.
A Comprehensive Approach
A Comprehensive Approach
A Comprehensive Approach
We start by clarifying our fee structure and explaining the different ways we can help. We listen to your goals and compare them to your current plan. We can share our experience so you can create the strategy to pursue your long term goals.
Why Us?
A Comprehensive Approach
Why Us?
Together, we bring complementary types of experience and most of all share a strong commitment to ethics and integrity. We are dedicated to providing independent guidance.
About Us
John L Gauthier CFP® ChFC, CLTC
Cynthia A Therrien, CLTC
Cynthia A Therrien, CLTC
LPL Financial Planner
My focus is providing comprehensive financial planning for individuals and couples with a focus on the planning needs of public employees.
As a former 20-year public employee and a past public retirement counselor, I have the background and knowledge to provide specialized analysis seeking to improve opportunities for maximizing pensions and protecting loved ones.
I understand issues unique to public employees and the interaction of public pensions with social security, the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO) laws.
I am a Certified Financial Planner Professional ® I believe developing a financial plan is the essential step toward meeting a retirement budget that keeps up with in inflation while preserving assets.
I help people pursue their financial goals by providing strategies that may include investments or insurance.
I attended UMASS as an undergraduate and UCONN for graduate school and have been an independent financial advisor since 1995. I am licensed in 10 states and have experience in retirement planning, mutual funds, fixed and variable annuities, stocks, bonds, and insurance including life, disability, and long- term care.
Compensation is either commission or fee based depending on the type of products required to implement a comprehensive plan client’s preference.
Check the background of this investment professional on FINRA's BrokerCheck
Cynthia A Therrien, CLTC
Cynthia A Therrien, CLTC
Cynthia A Therrien, CLTC
LPL Financial Advisor
My focus has been on providing services for tax-advantaged retirement savings plans like 403(b)s, which are available to eligible public-school personnel.
Together with my husband John, our focus has been on helping public employees pursue their goals by delivering information on plan
investments as prepared by product sponsors.
I am a lifelong western Massachusetts resident and hold a bachelor’s degree from the University of Massachusetts.
Together John and I run an independent branch office just off Main Street in beautiful downtown Amherst and offer flexible hours by appointment during the day, evening and even weekends if necessary, so we can meet everyone’s scheduling needs. We live in Hadley and love seven grown children and five grandchildren in a grateful blended family.
I am Certified in Long Term Care (CLTC) with the CLTC Board of Standards and appointed with numerous insurance carriers so I can
find suitable coverage at competitive rates.
I am securities licensed in California, Connecticut, New Mexico, New York, Texas, and Iowa.
My compensation is either commission or fee based depending on the type of services required to address an individual’s or couple’s goals, according to a client's needs and preferences.
Check the background of this investment professional on FINRA's BrokerCheck