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A Financial Plan That Keeps Up With Your Life

Money and life can feel complex, but your path forward doesn't have to. We partner with New England families and professionals to build a comprehensive strategy that aligns every financial decision with your deepest goals.

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What We Do Planning Comes
Before the Portfolio

A financial plan is only as strong as the foundation it's built on, and that foundation starts with a thorough understanding of your complete financial picture. We bring dual CFP® and CFA® credentials to every client relationship, reflecting a depth of expertise in both financial planning and investment management that exceeds the standard requirements for the field. For our clients, that means every recommendation comes with a clear explanation of what it is, why it was chosen, and what alternatives were considered.

Who We Help Those Planning for More Than the Next Market Cycle

Our clients come from different backgrounds and stages of life, but they tend to share the same underlying questions: whether they're on track, making the right decisions, and building toward what actually matters to them.

Growing Families

Growing Families

Managing the competing demands of education costs, household responsibilities, and long-term retirement goals simultaneously.

Pre-Retirees and Retirees

Pre-Retirees and Retirees

Approaching or entering retirement and asking whether what has been saved will actually be enough.

Professionals and Business Owners

Professionals and Business Owners

Those whose career or business decisions and personal financial goals need to move in tandem.

People in Life Transitions

People in Life Transitions

Facing a significant change and building a financial strategy suited for what comes next.

How We Help Services That Cover the Full Picture

Financial planning works best when every piece of the picture is accounted for. Together, they reflect a comprehensive approach organized around the areas of your financial life that call for professional attention.

Comprehensive Financial Planning


Building a complete financial plan before investment decisions are discussed, covering cash flow, taxes, reserves, and long-term projections.

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Investment Management


Your portfolio is managed around specific goals and timelines, with every recommendation explained alongside the reasoning behind it.

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Protection & Risk Management


Identifying vulnerabilities in your financial picture through life insurance and risk management, and addressing them before they disrupt your plan.

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Retirement & Social Security Planning


Building a complete income picture for the years ahead, covering Social Security timing, spending projections, and tax considerations.

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Estate & Special Needs Planning


Addressing how your assets transfer and who they protect, including planning for families with loved ones who have special needs.

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Business Owner Services


Connecting the financial decisions made in your business to the personal financial goals you're building outside of it.

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Who We Are A Practice Built Around You

Applied Capital Management has been part of the New England financial landscape since 1990, and the advisor running the practice today began here as an intern long before taking it over through succession. That history shapes the values and approach that carry through every client relationship today.

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+35

Years In Business

Our Process A Clear Framework for Where You Want to Be

We move at a pace that gives every recommendation time to be explained and understood before anything is put in place.

01

Start the Conversation

A no-obligation first meeting to understand where you are and what you're working toward.

02

Build the Plan

Working through your complete financial picture and developing a plan with multiple scenarios to consider.

03

Move Forward Together

Moving forward, when you're ready, with the reasoning behind every recommendation already explained and understood.

Breaking Down the Parts of Medicare

Breaking Down the Parts of Medicare

Medicare is broken down into four specific parts—but what do they mean? This article will help you understand each piece.
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When Do You Need a Will?

When Do You Need a Will?

When do you need a will? The answer is easy: Right Now.
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Teen Drinking and Your Liability

Teen Drinking and Your Liability

Drinking may be a “rite of passage” for teens, but when it occurs in your home you may be held responsible for their actions.
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Start The Conversation Let's Talk About Your Situation

The first meeting comes with no obligation, and it's the simplest way to find out whether we're the right fit for each other. When you're ready to start, we're here.

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