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Advantages of EPNE

As an independent Registered Investment Advisor we are truly able to find the solutions that best match your many needs and dreams. We have no proprietary products or board of directors to influence the recommendations and portfolios that we provide for our clients. At EPNE we strive to provide the highest standard of service, advice and execution that exceeds our clients’ expectations.


What is an RIA?

A Registered Investment Advisor (RIA) is a professional advisory firm that offers personalized financial advice to clients. RIAs are held to a fiduciary standard that requires the firm and its advisors to always act in the best interest of the clients they serve. RIAs are either registered with the state securities agencies they reside in, or with the SEC, depending upon the size of the firm.

What does it mean to be an independent advisor?

We have no proprietary products to provide, no incentives to “sell” any product over another. Our model of being an RIA and Licensed through our Broker Dealer allows us to offer the solution that is the best fit for our clients.

What is the relationship between Estate Planners of New England and TD?

We have chosen to partner with TD Ameritrade because they are the best fit based on the following criteria: TD Ameritrade is a leader in the Financial Services Industry for financial strength and quality service. The technology, customer service, and efficiency in execution benefit more than just our firm, more importantly they benefit our clients’ hard earned assets.

TD Ameritrade provides the software which is recognized as one of the leading platforms in the Financial Service Industry.

Where will my assets be held?

Our custodian that we work with is TD Ameritrade. We are also able to assist you with accounts that cannot be opened through our custodian, such as employee retirement accounts.

How will my services be determined?

Our clients have needs that range in complexity. The advisors in our firm offer a tailored approach to your specific needs and goals. All clients work with their advisor to decide what services are the most appropriate for their needs. This tailored approach is a benefit of working with an independent RIA.

How do I know if I am a good fit for your services?

You can easily schedule an introductory meeting to learn more and to get a feel for the process of working with a financial advisor. An initial complementary consultation will help to determine if there is a suitable fit. We would be happy to tell you more about our firm; give us a call at (603) 766-4951.

How do you select investments for a client?

Before we recommend any investment, we consider the current economic conditions, the outlook for various asset classes or type of security and how this investment fits within your portfolio given your objectives and tolerance for risk. As fiduciaries for our clients, we strive to obtain the most appropriate investment vehicles to meet your objectives, while being very conscious of total expenses and risk exposure.

What types of securities do you provide for?

We provide advice for all types of securities, including mutual funds, stocks, bonds, bank deposits, variable and fixed annuities. We provide advice on mortgages, budgeting and cash flow issues, 401(k) and other retirement programs, stock options, etc. If it has to do with money and finances, we can provide counseling, guidance and/or resources for you. Our clients can call us any time with concerns, questions, or just advice. In fact, clients are encouraged to call us when they have a major life event, such as a new job, a baby, a marriage or divorce, or if they are planning to buy a new home or start their own business. Some common questions that clients ask include: “How can I reduce my taxes?”, “How should I invest within my 401(k)?”, “how can I maximize my Flex Spending account?”, “What advice can you offer on refinancing my home?”

I have already accumulated substantial assets and think I am doing quite well. But as I progress and build for the future, things seem to be getting more complicated. I want to be sure I am on track, but I don’t always have the time or inclination to manage the myriad of details by myself. Can you help me?

Yes! People who need more sophisticated financial planning or advice will find our services appealing and beneficial. If you have the desire to simplify your financial affairs, give us a call at (603) 766-4951 or email us today at

What kind of investments are available at an RIA?

As an RIA, the investment possibilities are virtually endless. It is not limited to just one company or mutual fund group. RIA advisors have the freedom to find the investment products or use an investment strategy that is the best fit for each client.

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