No one can give you all the answers when it comes to dealing with life's many ups and downs, but we can certainly put you in a better position to deal with them.

Planning for Life
Each day we face difficulties in managing our finances. Inflation, taxes, debt, changing interest rates, and stock market swings – their effect can be unsettling. One thing we can be certain of is that the future will come, whether we are financially ready or not.

Gino P. Molettieri, Financial Planner, can help you achieve your goals and will give you the guidance to:

• Save for retirement
• Decide how to invest
• Help you develop strategies to manage your debt
• Help reduce taxes*
• Determine proper insurance coverage
• Offer custom-designed programs to try to achieve your special goals…buying a home or condo, retiring early, financing your child’s education and more.

As a client, you and Gino P. Molettieri, Financial Planner, will develop a confidential relationship and follow a 6 Step Plan to ensure that your objectives will be identified.

Planning Isn’t Impossible
The beauty of your plan will be your ability to change it. This kind of flexibility is to your advantage, because your goals will change as time goes by. There’s no need to put off planning. The time is now. Creating a plan with Gino P. Molettieri, Financial Planner, from Baystate Financial Services will help you to know where you want to be and how you’re going to get there. Isn’t now the right time to start planning for your life?

Contact Gino P. Molettieri today at 781-942-5000 x144

Please note that Investment and Insurance Products are: not FDIC insured, not bank guaranteed, may lose value, and not insured by any Federal Government Agency.

Securities products and financial planning services are offered through registered representatives and financial planners, respectively, of New England Securities Corp.(NES), a broker-dealer (member FINRA/SIPC) and a Registered Investment Adviser. Baystate Financial Services is a general agency of New England Life Insurance Company(NELICO), Boston, MA.  NES & NELICO are affiliates.  Neither Baystate Financial Services nor Reading Co-Operative Bank are affiliated with NES.

Securities and variable products are only offered at 180 Haven St., Reading, MA 01867.

1. Neither New England Securities/Baystate Financial Group nor its representatives offer tax or legal advice. Please consult your tax advisor or attorney for guidance.
2. All product guarantees are based upon the financial strength and claims paying ability of the issuing insurance company. L0809053207[0810] [Fl, MA, ME, NH]