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 Forward Thinking Financial Planning to Simplify Your Life

Call

781-944-4920

Get to know us

Schedule a meeting

Email

kathi@spurrfinance.com

About

Bringing Expertise and Perspective to the Complexity of Your Financial Life

Spurr Financial Investment Services, LLC is located on South Main Street in Reading, MA. Kathi Spurr and Newt Spurr bring over 50 years of investment experience. The family has been a part of the Reading community for 100 years. In 1924 they opened Ace Art Company on Gould Street. The original photo mounting corner was invented and manufactured by our great uncle. We strive to see that clients are protected and prepared. We want our efforts to mean maintaining lifestyles for years to come.

Check the background of this firm FINRA's BrokerCheck

NEWT SPURR, CPA® Photo

NEWT SPURR, CPA®

Newt Spurr ran a successful CPA tax practice in town for 50 years with son Michael who is also an Investment Advisor. Newt was one of the founders and first Treasurer of the Reading-North Reading Chamber of Commerce, a past President and treasurer of the Reading Rotary Club and current treasurer of the Unitarian Church in Rockport. He married his Reading High School sweetheart 56 years ago and both are enjoying their home in Rockport. A few of his favorite things: golfing, spending time with the four grandkids, watching the Red Sox and traveling to London.


KATHI SPURR, CFP® Photo

KATHI SPURR, CFP®

Kathi Spurr is a Certified Financial Planner (CFP®) and Long Term Care insurance agent. Her financial career began in Colorado in 1990 with a company specializing in Socially Responsible Investing. She also spent 10 years as an Investment Advisor in the largest credit union in Colorado before heading back to MA in 2005. Kathi spends her free time golfing, boating, flying, volunteering and traveling. She is a proud member of the Reading Rotary and Reading-North Reading Chamber of Commerce.

Services & Fees

Advise and Educate

At Spurr Financial Investment Services, LLC, we help you align your personal goals with your financial decisions. We serve as your guide and support system for a balanced financial life and lasting legacy.

How It Works:

  • In our first meeting we will get to know each other, evaluate your current financial status and discuss your financial goals.
  • Next we develop a plan that is customized to your goals and objectives.
  • We can help you implement the plans when you are ready.
  • Periodically, we will sit down to review your plan and make adjustments based on what is happening in your life.

 

Your Financial Future

Investment planning

  • Review of portfolio
  • Asset allocation
  • Time Horizon
  • Withdrawal strategies
  • Investment policy statement

Estate planning and charitable giving

  • Wills
  • Irrevocable life insurance trusts
  • Estate taxes
  • Guardians for minor children
  • Charitable giving and trusts

Retirement Planning

  • Retirement goal setting
  • Social security and Medicare
  • IRA contributions and conversions
  • Employer sponsored plans and 401(k)'s
  • Annuities and pensions
  • RMD's and withdrawal strategies
  • Self employed retirement plans

Risk Management and insurance

  • Review of existing policies
  • Life insurance needs
  • Long term care insurance

Assistance to loved ones

  • Gifting
  • Education planning
  • Caring for elderly
  • 529 College savings plans
  • Roth IRA's for children
  • UGMA/UTMA

Income tax planning

  • Review of cost-basis
  • Review realized gains
  • Carry forward losses
  • Tax loss harvesting
  • Deductions and credits
  • Potential Roth conversions
  • Health savings and flexible spending accounts

We offer extensive knowledge and experience working with IRA's, 401K rollovers, small business retirement plans, life insurance, and Long Term Care Insurance

SERVICES

COSTS

Written Financial Plans

$1,000-$2,500, depending on complexity.

Social Security Analysis

$300 per report.

Assets Under Management

1%-1.5% AUM

 

 

Your Financial Future

Investment planning

  • Review of portfolio
  • Asset allocation
  • Time Horizon
  • Withdrawal strategies
  • Investment policy statement

Estate planning and charitable giving

  • Wills
  • Irrevocable life insurance trusts
  • Estate taxes
  • Guardians for minor children
  • Charitable giving and trusts

Retirement Planning

  • Retirement goal setting
  • Social security and Medicare
  • IRA contributions and conversions
  • Employer sponsored plans and 401(k)'s
  • Annuities and pensions
  • RMD's and withdrawal strategies
  • Self employed retirement plans

Risk Management and insurance

  • Review of existing policies
  • Life insurance needs
  • Long term care insurance

Assistance to loved ones

  • Gifting
  • Education planning
  • Caring for elderly
  • 529 College savings plans
  • Roth IRA's for children
  • UGMA/UTMA

Income tax planning

  • Review of cost-basis
  • Review realized gains
  • Carry forward losses
  • Tax loss harvesting
  • Deductions and credits
  • Potential Roth conversions
  • Health savings and flexible spending accounts

Socially Responsible Investing

Considering financial return and social good

Socially responsible investing (SRI) is any investment strategy which seeks to consider both financial return and social good to bring about social change. It is referred to by many terms such as community investing, ethical investing, green investing, impact investing, sustainable investing, values-based investing and ESG investing among others. A TIAA survey of investors conducted in 2015 found that about one-third of investors say they currently own responsible investments and nearly 50% of those who don’t, plan to do so soon.

Sustainability and ethics

Environmental, Social and Governance (ESG) refers to the three main areas of concern that have developed as central factors in measuring the sustainability and ethical impact of an investment in a company or business. The goal is to view these criteria with an eye toward generating long-term competitive financial returns and positive societal impact.

It's personal

Anyone who has ever pondered the activities of companies they own through their stock portfolio, mutual fund, or pension plan, may find a corporate practice that they would rather not profit from. Depending on the individual investor, this may be animal testing, solar and wind energy, producing military weapons, poor environmental performance, GLBTQ rights, woman’s equality, religion or labor. This list is extensive and extremely personal. There is no perfect company. One company may have a large number of woman on the Board of Directors with a low score on environmental stewardship. Clients who feel strongly about the importance of woman in leadership position’s may purchase this investment while others may not.

Sound investments

Several research studies have demonstrated that companies with strong corporate social responsibility policies and practices are sound investments. Studies with such findings have come from Oxford University, Deutsche Asset & Wealth Management, Morgan Stanley Institute for Sustainable Investing, TIAA - CREF Asset Management and the United Nations Environment Programme Finance Initiative. In 2015 Deutsche Asset & Wealth Management and Hamburg University conducted a meta-analysis of over 2,000 empirical studies, making it the most comprehensive review of academic research on this topic. They found that the majority of studies show a positive correlation between ESG standards and corporate financial performance.

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Get To Know Us Meeting

Please schedule an initial “get to know us meeting” by clicking the button below. We look forward to helping you prepare for your future and protect your assets!

Schedule a meeting

Phone

781-944-4920

 

Address

Spurr Financial
Investment Services, LLC
131 Main St
Reading, MA 01867

 

Email

kathi@spurrfinance.com
newt@spurrfinance.com