Pier 42 Advisors

Pier 42 Advisors Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Pier 42 Advisors, Financial planner, 434 Route 134, Unit G6, South Dennis, MA.

05/04/2026

Most retirees think taxes go down in retirement.

In reality:

RMDs increase income later
Social Security becomes taxable
Capital gains stack on top

And suddenly you’re paying more than expected.
The problem isn’t the tax rates—it’s the lack of planning ahead of time.

The best tax strategies happen:

Before retirement
Before RMD age
Before income is forced on you

If you wait until you “need income,” most of the planning opportunities are already gone.

04/28/2026

Most people don’t realize how their advisor actually invests their money

Most advisors follow the same process:

1. Ask you to fill out a risk tolerance questionnaire
2. Assign you to a “model portfolio”
3. Charge ~1% per year
4. Rebalance occasionally

That’s it.

No real tax strategy.
No coordination with your retirement income.
No plan for when you actually need the money.

It’s efficient...for the advisor.

But retirement isn’t a model portfolio problem, it’s a cash flow and tax problem.

That’s where most plans break down.

01/15/2026

If you’re 50 or older and earned over $150,000 in 2025, the IRS now requires that all catch-up 401(k) contributions be Roth only.

That means you can still contribute — but:
• Catch-up contributions won’t be pre-tax anymore
•You’ll need to actively elect Roth catch-up in your plan (it won’t switch automatically)

IF YOU DON'T MAKE THAT ELECTION, YOUR CATCH-UP CONTRIBUTIONS COULD STOP ALTOGETHER.

A few other notable changes you should know about:
• No more RMDs on Roth 401(k)s (starting 2024)
• Employers can now match into Roth accounts
• Some plans allow employer matching for student loan payments
• Ages 60–63 get a higher catch-up limit (for certain plans)

These changes can impact taxes, cash flow, and long-term strategy, so they’re worth reviewing.

We can walk you through:
• Whether Roth catch-ups make sense for you
• How this affects your tax picture
• Any plan changes you should make

Far too often people believe that Financial Advisors who call themselves a fiduciary are truly looking out for their bes...
07/21/2025

Far too often people believe that Financial Advisors who call themselves a fiduciary are truly looking out for their best interests.

In reality, there is a huge grey area in the financial services industry that allows advisors who push unnecessary products on their clients for high commissions to call themselves fiduciaries.

Below are just a few quick questions to ask your current advisor or any advisor you are thinking about signing on with.

For those in or close to retirement, the recent stock market volatility can be especially scary considering you no longe...
08/05/2024

For those in or close to retirement, the recent stock market volatility can be especially scary considering you no longer have the long time horizon to always ride these moments out.

During this stage in your life you should be looking at protecting the income needed from your investments for the next 5-10 years.

Doing so allows you to extend the time horizon for the portion of your portfolio not needed during the years you protected.

This can be done by implementing a time-segmented strategy.

In times of market volatility, it's beneficial to remember that news organizations make money by getting views, and noth...
08/05/2024

In times of market volatility, it's beneficial to remember that news organizations make money by getting views, and nothing gets more views than scary headlines.

It's not a coincidence that every market downturn is labeled as, "This time it's different!".

12/07/2023

Hello and welcome to our official page!

We are Pier 42 Advisors, a dedicated fee-only wealth management team committed to your financial well-being and success.

What sets us apart?

- Comprehensive Approach: We offer a holistic view of your financial life, considering all aspects from investments, to cash flow, to asset protection, and estate planning, ensuring every piece of your financial puzzle fits perfectly.

- Fee-Only Transparency: Our fee-only model means our advice is unbiased and solely in your best interest. No hidden fees, no commissions, no insurance sales, just straightforward guidance.

- Tailored Strategies: Every individual's financial journey is unique. We craft personalized wealth management strategies that align with your specific cash flow needs, goals, and values.

- Independence: We are an independent registered investment advisory firm. We have no parent company, joint ventures, or affiliations. We take an open architecture approach to investment management, which means we are free to select from a virtually unlimited universe of options to structure custom portfolios that meet each client’s personal financial needs and objectives.

What can you expect from us here?

- Empowering Knowledge: Tips and advice on wealth management, retirement planning, tax strategies, and more.


- Community Connection: We’re here to answer your questions and to discuss the financial topics you care about.

Join us on this journey to financial clarity and security. We believe in empowering you with the knowledge and tools to create a prosperous future. Let's build your financial legacy together!

Follow us for more insights and feel free to reach out for a personalized consultation. Your path to financial peace of mind
starts here!

Address

434 Route 134, Unit G6
South Dennis, MA
02660

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

Telephone

+15082589300

Website

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