Salem, New Hampshire · Serving New England
Clear financial decisions for the retirement you have worked to reach.
Retirement rarely arrives as one decision. Income, Social Security, RMDs, tax considerations, investments, insurance, healthcare, and family priorities all connect. Guardian helps you organize and evaluate those decisions through a thoughtful planning process built around your life.
Get the Retirement Readiness Checklist
Clear financial decisions. A life you love.
Retirement income planning
Tax-aware planning considerations
Investment and insurance coordination
Serving New Hampshire, Massachusetts, and New England
The questions we hear most
Retirement brings important questions. Your plan should help connect the answers.
These are normal questions. A thoughtful planning process can help you see how the decisions may connect and what to consider next.
When should we begin taking Social Security?
How should we plan for RMDs and retirement-account withdrawals?
How much investment risk still fits our goals?
How can our income sources work together in retirement?
What should we consider before choosing an annuity?
How should taxes, healthcare, family, charitable goals, and legacy plans fit together?
What needs to happen before our employment income changes?
Bring your own question. A first conversation is often the fastest way to see which decisions actually need attention first.
Start the conversationHow Guardian helps
Three connected parts of one conversation
Plan with clarity
We look at retirement timing, income needs, cash-flow priorities, tax-aware planning considerations, Social Security, RMDs, Medicare decisions, and the long-term goals behind them.
Invest with purpose
We help align investment strategy with your risk tolerance, time horizon, liquidity needs, and the income your plan may need to support.
Protect what matters
We help you evaluate the role annuities, life insurance, disability insurance, and long-term care insurance may play within a broader plan, where appropriate for your circumstances.
Our process
The Guardian Retirement Clarity Process
Five steps that help turn a collection of accounts into an intentional plan. Planning does not eliminate uncertainty or guarantee results, but it can help you make decisions with greater organization and perspective.
- 01
Begin with your life
Your priorities, your retirement vision, the people who matter, and the questions already on your mind.
- 02
Organize the picture
Income sources, retirement accounts, spending needs, obligations, benefits, and existing coverage in one place.
- 03
Evaluate timing and taxes
Tax-aware planning considerations and key timing decisions, reviewed in coordination with your tax professional where appropriate.
- 04
Align the moving parts
Investments, insurance, and risk-management choices matched to the role each part of the plan needs to play.
- 05
Review and adapt
Markets, tax law, family needs, health, and goals change. Planning is an ongoing conversation, not a one-time document.
Where would you like to start?
Four paths into the same coordinated plan
Retirement Planning
Turn years of saving into a more coordinated plan for income, taxes, investments, healthcare decisions, and legacy.
Annuities
Explore whether an income, indexed, or variable annuity may have a role in your broader retirement strategy.
Insurance Planning
Review how term life, permanent life, disability, or long-term care insurance may help address financial responsibilities and family protection needs.
Financial Planning
Bring the moving pieces of your financial life into a clearer, more intentional strategy.
Investment Management
Understand stocks, bonds, ETFs, mutual funds, private credit, and private equity — explained with simple analogies — and how each may fit in a diversified plan.
Guides and worksheets
Start with a clearer picture of your retirement.
Practical, educational tools you can use before any meeting. No cost, no obligation.
Retirement income
Retirement Income Gap Worksheet
Separate essential spending from lifestyle spending, list your expected income sources, and see where questions may remain before you choose an income strategy.
Get the GuideRetirement readiness
The Year-Before-Retirement Checklist
A month-by-month view of the decisions and paperwork that often come up in the twelve months before employment income changes.
Get the GuideTaxes and distributions
RMD and Retirement Withdrawal Planning Checklist
Prepare for conversations about required minimum distributions, withdrawal sequencing, beneficiaries, and charitable giving.
Get the GuideWho we serve
Planning for people entering a new financial chapter.
We are often a fit for people who…
- Are within approximately 10 years of retirement or are recently retired
- Have built meaningful savings and want a coordinated plan
- Are sorting through Social Security, Medicare, RMDs, taxes, investments, and income decisions
- Want help evaluating the role of insurance in their broader plan
- Want ongoing guidance, rather than a one-time market opinion, within an advisory relationship
- Value collaboration with their CPA, attorney, and other trusted professionals
- Are business owners, professionals, executives, or families navigating increased financial complexity
Guardian may not be the right fit for someone seeking day-trading ideas, a short-term market forecast, or a one-size-fits-all product recommendation.
Meet the team
Planning-focused and investment-focused perspectives, in one conversation
Guardian brings together planning-focused and investment-focused perspectives so clients can discuss the financial decisions that often overlap in retirement.
Tyler Lavoie
Senior Wealth Advisor
ChFC®, CKA®, ABFP®, AAMS®, CRPC®, AWMA®
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Patrick Hammond
Senior Wealth Advisor
CFA® charterholder, CFP® certification, CEPA®
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Paula Foster
Senior Client Wealth Administrator
More than 30 years in financial services
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Tracey Renaud
Client Wealth Administrator
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Our service area
Based in Salem, New Hampshire
Based in Salem, New Hampshire, Guardian Financial Services works with individuals, couples, families, and business owners throughout southern New Hampshire, Massachusetts, and the broader New England region.
215 Main Street, Salem, NH 03079
Guardianwealthteam@raymondjames.com
Monday–Friday, 9:30 AM – 4:00 PM (closed federal holidays)
Service availability varies by state registration, licensing, and product approval.
Contact the Salem, NH officeCommon questions
Before you reach out
We learn more about your goals and the questions on your mind, explain how Guardian works, and help you determine whether a next step may make sense. There is no obligation and no pressure to move forward.
Start with the questions that matter most to you.
You do not need every answer before starting a conversation. A first meeting can help you organize the decisions ahead and determine whether Guardian may be a fit.
Important disclosures
Investments and account types mentioned may not be suitable for all investors.
Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.