WELCOME

At The Kobelski Group, we have profound respect for people whose achievements and values have brought them wealth and wisdom. For decades, we’ve served a growing number of clients like these – ambitious women and men in Massachusetts and more than 20 other states.

Led by Todd Kobelski – named to the Forbes “Best-in-State Wealth Advisors” List* in 2023 for the 6th consecutive year (*Published on April 4, 2023. Rankings based on data as of June 30, 2022.*) – our team assists highly accomplished individuals at well-known financial institutions and prestigious universities, as well as veterans transitioning to civilian life, retired couples,members of traditional and non-traditional families, and athletes and entertainers.

Why do clients come to us? Many are approaching retirement and want a better idea of what those years can look like. Others face a multitude of decisions – reaching a point where the complexities of their financial pictures require an extra measure of sophisticated advice and guidance. The fact is, we do our best work for clients who can benefit from our rigorous planning-based approach – one that is ongoing, to reflect changes in their lives and market conditions. 

 Working with both spouses whenever possible and traveling to see clients when helpful, we deliver the vast resources of our entire firm – to help address distinct areas of their financial pictures – from investment and liability management, to retirement, education and trust planning. We also explain the pros and cons of alternative strategies for Social Security and long-term care funding.

 With no cookie-cutter clients, we do not provide cookie-cutter strategies. From the outset, we aim to create a highly personalized and proactive dynamic. With thought-provoking questions and active listening, we dig deep to appreciate a client’s most significant priorities, goals and fears – from creating a meaningful legacy for their children, to caring for a spouse or elderly parent. Catering to each client’s needs, we craft long-term, tax-sensitive strategies using Merrill models, research and due diligence. 

 At The Kobelski Group, we recognize that successful people can choose from among thousands of advisors. We also know that our own diligence and performance helps our clients focus more squarely on their families and careers. We have families, too. Given the opportunity, we look forward to to helping optimize your wealth, so that you can enjoy the people and passions in your life.
 

 ENHANCING YOUR WHOLE BALANCE SHEET

 At The Kobelski Group, we are highly skilled and motivated to identify needs and opportunities on both sides of your balance sheet. Our numerous contacts at Merrill and Bank of America, N.A. include banking, trust and small business specialists whom we frequently “bring to the table.” 
 
As our client you can expect that we will:

• Examine (and re-examine) your full financial picture – including areas that may have been previously ignored. To help enhance your financial wellness, we may scrutinize your liabilities (including mortgages, other loans and credit card debt), tax liabilities, insurance coverage, and estate planning documents.

• Help you use debt wisely. We can help you purchase a home for yourself or your children by giving you access to mortgage lending and bridge loans through Bank of America, N.A. when the purchase of one home may precede the sale of another. We can also introduce you to specialists for commercial lending, expansion financing, and cash management.

• Coordinate with internal trust specialists – or your own attorney, if you prefer – to provide estate-planning services that align with the overall strategy we build on your behalf.

When it comes to investing, we do more than diversify your holdings across asset classes. It is incumbent on us to understand your experience with investing, comfort with risk, need for liquidity, current expenses, cash flow needs and more. As long-term investors, we do not try to hit “home runs” with speculative opportunities. Instead, we use internal and external research along with Merrill investment models to help minimize risk, costs and tax consequences – and bring about realistic financial outcomes. 

 In everything we do, we strive to present recommendations clearly and simply. We are here to help – not show you how much we know.
 
 
SERVING AN IMPRESSIVE CLIENTELE

At The Kobelski Group, we are proud to bring our energy and experience to a loyal clientele at every stage of the wealth continuum.

While diverse in their accomplishments, most clients are highly educated and financially astute. They include senior-level executives at well-known financial institutions, faculty and administrators at prestigious universities, veterans transitioning to civilian life, retired couples, widows and generations of traditional and non-traditional families residing in Massachusetts and more than 20 other states.

 With their financial affairs in constant motion, we offer a high-functioning team whose capabilities and attention to detail are significant. Given our heavy emphasis on planning, it is our practice to consider the broader canvas of clients’ lives for each recommendation we make. With an intimate understanding of how clients view their wealth and the world, we are well positioned to help them prepare for circumstances they anticipate and those they don’t. 

 Experience has shown us the benefits of considering clients as “client families” For that reason, we aim to work closely with you and spouse, perhaps, or your grown children and others you designate – on matters related to wealth transfer, trust and estate planning services. And because wise financial habits should be taught to your children, we can talk to them about the responsibilities of wealth, saving often and investing early.

 Our goal? To help clients achieve what dollars and cents alone cannot – the satisfaction of feeling comfortable in having wealth and its enduring benefits. These fundamental pillars of “financial wellness” are critical to our highly personal approach. By doing our jobs well, we help clients work and play hard, rest easily.

*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

*2023 Forbes “Best-in-State Wealth Advisors” list. Opinions provided by SHOOK® Research, LLC and is based on in-person, virtual and telephone due-diligence meetings that measure best practices, client retention, industry experience, credentials, compliance records, firm nominations, assets under management and Firm-generated revenue (investment performance is not a criterion). Shook’s rankings do not reflect any client experience, endorse any advisor , indicate future performance and are available for client evaluation only. Compensation was not received from any Advisors for the study. Details available at www.shookresearch.com.

*NMLS ID 522831