You deserve to understand what’s happening with your money.

Have you ever sat across from a financial advisor and only understood every third word they were saying? And yet they were talking about your money, your life and your future.

At Abaris Financial Group, we believe clients should understand everything that is happening with their money; that advisors should be just as good about explaining investments as they are at making them.

First, we’re going to get to know you and discuss what’s most important to you. We’re going to figure out your goals and the outcomes you’d like to achieve with this money. We’ll do this by establishing your Family Index Number, which is the rate of return needed on your investments in order to pursue those outcomes. After we determine your Family Index Number, we allocate your money to our various investment strategies designed to help you pursue those goals.

We work with a wide variety of clients – everyone from high net worth investors to those who are just starting out. While each family gets a personalized allocation strategy, we’ve helped thousands of families navigate their complex financial needs and guided them through life’s major decisions.

As your trusted advisor, we’re focused on adding convenience and simplicity to your lives. We will make sure you’re educated on your investments and how we manage your money – as much or as little information as you’d like.

Whether you’re investing hundreds or millions, at Abaris Financial Group we’re about much more than results – we’re about helping you understand where those results have come from and why the strategy works. If you’re tired of the mystery of investing and want to know exactly what’s happening with your money, schedule an appointment today.

Discover the right investment strategy for you.

Tell us a little more about your investment objectives and level of comfort with risk.

By what percentage do you expect your portfolio to grow
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Let’s Build the Future You’ve Earned. Together.

Our mission is to change lives by bringing personal fulfillment and a lasting legacy to our clients through comprehensive, fee-only financial planning, life planning, coaching and investment management services. Abaris Financial Group is a wealth management firm based in Concord, Massachusetts, serving affluent individuals and families.

Contact us today and let Abaris help you on your True Wealth journey.

Are you ready to join us on this journey?

Schedule a complimentary financial life plan discovery session with us to learn more about the benefits of financial life planning.

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Our financial planning services are built on trust, transparency and accountability.

Our experienced team of professionals will develop a personalized plan that gives you the power – and a path – to realize your dreams. Explore services

Financial Life Planning & Coaching

Your life and financial goals are forever intertwined. Your portfolio shouldn’t represent market whims, or even what your advisor prescribes, but who you are. Learn more

Life Transition Planning

Change can be challenging even in the best of circumstances and having an experienced trusted advisor to help you navigate uncharted territory can reduce your stress and make for a smoother experience. Learn more

Traditional Wealth Planning

Traditional wealth planning is the foundation of all that we do.  We follow a 4-step process to create a customized roadmap to achieving your goals. Learn more

Portfolio Management

The Abaris team sees investments and portfolio management as an important tool to help you achieve your dreams.  Learn More

Estate, Tax & Philanthropy Planning

Creating a legacy gives meaning to life. What is important to you? How do you want to be remembered? Learn more

Estate, Tax & Philanthropy Planning

Creating a legacy gives meaning to life. What is important to you? How do you want to be remembered? Learn more

Insights

Abaris Financial Group’s team of  professionals provide you with transparent and proactive communications to equip you with the knowledge you need. Read more

Market Commentary
Weekly Market Commentary – August 12, 2019

Like some employees, the stock market had a great week, if you don’t count Monday. After falling nearly 3% on Monday, the market steadied as the back-and-forth between China and the U.S. calmed. Read more

money autobiography, financial planning, Abaris Financial Group, Concord, Massachusets
Blog
Why You Need To Write Your Money ...

By Abbey Henderson, CFP® RLP® CPCC®

All of us have a history with money that shapes our behavior and beliefs. As a financial advisor, I’ve seen time and time again that one of the biggest determiners of our future with money is the “lessons” that we’ve learned in the past which is why a money autobiography is so helpful.

When we start to talk about their financial future, without even realizing that they’re doing it, my clients start telling me their past money stories. Those stories are filled with all sorts of emotions: happiness, joy, guilt, anger and everything in between. They can be complicated because everyone’s relationship with money is intertwined with our relationships with family, friends, colleagues and ourselves.

One of the best ways to become more self-aware around money is by writing your money autobiography. Each person’s autobiography will look a little different, but here are three steps you can take to get started.

1. Interview Yourself — Answer Honestly

This self-interview only works if you’re honest. Remember there’s no good or bad, right or wrong. Take some time to reflect and think deeply about your memories and how you feel about them. I recommend that you write down your answers.

Here are a few questions to get you started, but you can include anything that you believe is relevant to your story. If you have a clear memory around money, especially if it is from your childhood, it should be in your autobiography.

What was your experience with money as a child and young adult?

This includes thinking about the attitude your parents had about money. What is your first memory involving money or finances? Did you feel poor or rich as a child? Did you worry about money?

What was your money experience as a teenager? How did you feel when you earned your first paycheck? What is the first thing you bought with your “own” money and how did it feel?

How did your perspective change as you got older?

Did you follow your parents’ example when it came to managing money? How has your attitude adjusted with new circumstances like getting married, having children, getting promoted? Think about the moments that had the most impact.

Finally, think about your present financial status.

What do you feel about your current financial situation? Satisfied? Or wanting something more? Are you a risk-taker or more conservative? Do you feel guilty or envious?

Does money bring you joy? How do you make decisions around money? If you are in a relationship, what is the dynamic between you and your partner around financial tasks and decisions?

2. Process Your Answers — Be Curious, Not Judgmental

Read through your money autobiography to see if there are any patterns that emerge. By looking for patterns, you will often be able to connect your current financial beliefs and decisions with your past. You may also realize that you’ve been on autopilot – letting those old money stories drive your decisions without much intention on your part.

Be curious, not overly critical. Treat yourself as you would a dear friend. Often, our relationship with money was established in childhood when we were too young to understand or choose differently. The power of this exercise is helping you to see that you do have the ability to make different choices now.

Click here to download our complimentary resource – Back 2 Basics: 12 Tips for Improving Financial Well-Being, Reducing Debt and Increasing Net Worth

3. Rewrite Your Story — Decide What You’d Like to Change

What aspects of your relationship to money would you like to change? Remember that once you are aware of past patterns, you can now choose to act differently and make different decisions. You can begin to truly make money work for you.

And now that you’re in a more powerful mindset around money, think through your current goals and see if they line up with what you really want.

Sharing Your Story

Sharing your money autobiography with a trusted partner can help you plan for the future and improve the present. Consider a financial advisor that has a life coaching perspective.

Schedule a complimentary Financial Life Plan Discovery Session with me to learn how we can work together to make your money story for the future a reality.

529 college savings plan strategy
Monthly Newsletter
3 Money-Smart Strategies for 529 College Savings Plans

Between squeaky new shoes, fresh pencils, packs of index cards, trendy new backpacks and other learning supplies, back-to-school shopping in the U.S. is expected to exceed $27 billion this year – about $510 per household. That’s a lot of Trapper Keepers. Read more

QMO video
Video
Quarterly Market Outlook: Q3 2019

Carson Partners’ Scott Kubie shares key events we saw in the past quarter and how we think they’ll affect markets in the upcoming quarter. Contact us to speak with a financial advisor. Read more

forbes
News
Busting Three Half-Truths About Reverse Mortgages

A few years back, I conducted and published research in the Journal of Financial Planning that showed Americans don’t understand reverse mortgages. In fact, respondents scored below 50 percent on a 10-question true-false quiz.

Read more

Infographic
Divorce Planning

Divorce can be emotionally and financially stressful but with the proper planning, you can get through it with your finances and future intact. Here are some stats to consider when it comes to the financial impact of divorce. Read more

Blog post
Weekly Market Commentary
  • Weekly Market Commentary – August 5, 2019

    Major news buffeted the market last week. The Federal Reserve cut rates as expected, but the press conference and vote margin suggested the cut does not signal more to come, which disappointed investors. Additional tariffs on Chinese goods were announced by President Trump, and the U.S. employment market remained strong. Read more