When Your Finances Increase Significantly.
It’s no secret that a fool and his money are soon parted. With bankrupt celebrities and even Wall Street needing a bailout, we could all use a little financial education. At Berkshire Hills Financial, Tom Sirois can help you plan investments, take care of past debt, and consolidate your expenses.
When A Loved One Gets Sick
Healthcare is one of the most expensive things that people rarely prepare for. Before you know it, (God forbid), your aunt has cancer, your family is nowhere to be found, and she moves in with you to save money for treatments. At Berkshire Hills Financial, Tom Sirois can help you plan for these dark times, and put a silver lining on that dark cloud, and in your wallet.
When Planning A Large Purchase
Car, boat, truck, or house, a large purchase may seem like a great plan until disaster strikes and you realize you should have budgeted. At Berkshire Hills Financial, Tom Sirois can help you rearrange your finances to fit in the purchase you want and deserve.
Before you really need one
Finding unbiased advice is very hard to come by, but as with many things it is better to have a plan BEFORE your confront financial decisions. For example, if you have young people or individuals who are dependent on you as a source of income, you MUST protect your income if you can no longer work. This can be simply disability insurance or more commonly life insurance. It can cost just a few hundred dollars a year to protect your earning power for the future. But, as with all of these decisions, you need to know what is the best financial decision: Term Life? or a Whole Life Policy? The answer is not always easy to answer. That is where an unbiased financial advisor can help.
Unless you are wealthy like Warren Buffet as a simple conversation with a financial advisor can pay for itself over time many times over.