facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast blog external search brokercheck brokercheck

The dirty little secret no one tells you about retirement…

Free Time Costs Money




Schedule Your Complimentary Consultation

Time to take a look at your retirement bucket list


  • Do you normally take one or two vacations each year?Now you could have time to take more. How much will that cost?
  • Do you want to visit the children and grandchildren more often? How far away do they live? How expensive is it to get there?
  • How often would you like try new restaurants?Versus stay in and cook?
  • What leisure activities can you now pursue? What events can you now attend? How much will these new classes and tickets cost?


These are just the start of countless questions to ask as you plan ahead for retirement.

Many of us envision a retirement spent mainly on leisure activities, but have underestimated the costs...

How do you budget ahead for these activities, while accounting for everyday living expenses such as housing, utilities, and potential increased health care expenses?


Our Services

We are there for you every step of the way, to help ensure your money lasts for you and your family

Retirement Planning

Whether you're building wealth or transitioning into retirement, we work to create a retirement plan for you with three goals in mind:

1

Optimize your assets to last throughout your expected lifetime by helping you plan and monitor withdrawal rates and coordinate tax efficient distributions.  

2

Craft a financial plan that provides the level of income needed for a comfortable and secure retirement. We also incorporate and analyze additional incomes such as Social Security as well as help budget for additional expenses such as Medicare.

3

Help assure that your family is protected and that you have the right estate plan in place.

When it comes to retirement, we place an emphasis on aligning your risk tolerance with your portfolio goals. You have worked hard to accumulate your nest egg, and as you approach retirement, it is vital to keep an eye on risk.  At this stage, we believe that wealth preservation for you and your family starts to take prominence over wealth accumulation.

Additional services we provide include:

Financial Planning

Wealth Management

Tax and Estate Planning Coordination*

Charitable Giving

Schedule A Meeting 

*Please Note: Wells Financial Advisors, Inc. does not serve as an attorney or accountant. Wells Financial Advisors, Inc. does not prepare estate planning documents or tax returns.

Client Experience

What you can expect as a client


Becoming a Client

Complimentary Introductory Meeting

Running Your Retirement and Financial Plan

Ongoing Experience

Wealth Management

Routine Investment and Planning Meetings

Your Financial Coach



Our Firm

Who is Wells Financial Advisors?


Simply stated, since 1996, our mission has been to help our clients achieve their financial goals.

Wells Financial Advisors is a Registered Investment Advisor, meaning the firm must meet a fiduciary standard. The fiduciary standard includes the obligation to do what is in the client’s best interest at all times, which is a level of responsibility we take with the utmost seriousness.

As a boutique firm, we are able to provide the capabilities and technologies of a larger institution, but with the service, flexibility, and independence often afforded by smaller organizations. Every call or email is answered directly by a member of our advisory or client service team, not routed through a prompt system.

Although we work primarily with individuals and families throughout New England, our firm has grown, and our client relationships now span across the country. For the majority of our clients, this means developing long-term and truly personal relationships as we are working with you to plan for, and throughout retirement. 

Explore Our Retirement Planning Services

Terry B. Wells, CFP®, ChFC®, CLU® Photo

Terry B. Wells, CFP®, ChFC®, CLU®

Managing Principal
Read Bio

Terry B. Wells, CFP®, ChFC®, CLU®

Managing Principal

Terry became a financial advisor in 1991 and founded Wells Financial Advisors in 1996 because he wanted to be able to provide clients with independent and objective advice. Prior to starting the firm, Terry began his career as a CPA in public accounting, where he worked for two of the largest public accounting firms in the country. 

Terry has earned several designations in financial services including:

  • Certified Financial Planner (CFP®) - 1993 
  • Chartered Financial Consultant (ChFC®) - 1995
  • Chartered Life Underwriter (CLU®) - 1998

In 2014, Terry was featured in the Wall Street Journal in the Wealth Management Journal Report as one of "Ten Five Star Wealth Managers You Need to Know" for the Boston area. In addition to being profiled for the Wall Street Journal, for the past seven years, Terry has been named a Five Star Wealth Manager by Five Star Professional. See disclosures.

Terry is a member of the:

  • Financial Planning Association (FPA)
  • Society of Financial Services Professionals (FSP)

Terry is thrilled to have his daughter, Sarah, partner with him at the firm solidifying the family’s commitment to the business. Outside the office, Terry enjoys traveling and spending time on Cape Cod with his wife, golfing, and walking his dog, Sadie.

Sarah A. Wells, CFP® Photo

Sarah A. Wells, CFP®

Principal
Read Bio

Sarah A. Wells, CFP®

Principal

Sarah has been with Wells Financial Advisors for over seven years.  Back in 2011, Sarah began as the Vice President of Operations. Within two years, she quickly rose into her current role as a financial advisor and Principal of the firm.

Sarah has earned her:

  • Certified Financial Planner (CFP®)

and is also a member of the:

  • Financial Planning Association (FPA).

Graduating cum laude from Bucknell University, she holds a Bachelor of Science in Business Administration, and a dual degree in Political Science with a concentration in International Politics. During this time, Sarah also studied at the University of Melbourne's business school focusing on global business and economics. In preparation for her financial planning certification, she also completed Boston University's Financial Planning Program.

Before joining Wells Financial Advisors, Sarah moved to Philadelphia for an international insurance firm where she worked closely with Fortune 500 companies on their global business insurance programs.

Sarah loves working with the firm’s clients and is delighted to be able to partner with Terry and continue to grow the company. In her spare time, Sarah enjoys traveling, running along the Charles River, and trying new restaurants.

Sharon L. Midura Photo

Sharon L. Midura

Senior Client Service Associate
Read Bio

Sharon L. Midura

Senior Client Service Associate

Sharon has over 25 years of experience in the financial industry, previously working in the institutional investment arena. Prior to joining Wells Financial Advisors in 2013, she was a product manager and partner with Pursuit Capital Marketing.  

Sharon is responsible for supporting the day-to-day operations, marketing initiatives, and helping the firm’s clients. Sharon spearheads the Client Service team and strives to strengthen relationships by offering assistance that is both prompt and personal, whether helping with account applications and forms, or processing financial transactions.

Sharon graduated from Lesley University in Cambridge, MA where she earned a Bachelor of Science degree in Business Management. She serves as treasurer on the board of trustees for her local Boy Scout troop.

In her free time, Sharon enjoys cooking, hiking, volunteering and traveling with her husband and two children.

Dawn C. Spratt Photo

Dawn C. Spratt

Client Service Associate
Read Bio

Dawn C. Spratt

Client Service Associate

Dawn joined Wells Financial Advisors in 2017 with over 15 years of administrative and client service experience. She is an entrepreneur with extensive experience in marketing and communications. We believe Dawn has a keen attention to detail and a strong commitment to providing outstanding client service.

Dawn helps support the day-to-day operations of the firm, work on special projects and systems, and also provides client service by helping prepare reports and account paperwork, and assisting with financial transactions.

Dawn graduated from Assumption College where she earned her Bachelor of Arts degree in Sociology. Dawn enjoys networking and serves on the Leadership team of a local Women’s networking group.

Outside of work, Dawn enjoys skiing, traveling, and spending time with her husband and three children. 

Client LoginS

Quickly organize your financial life and access your accounts

     Account Access via

Learn More about Black Diamond

PDF


Learn More about Everplans

Video | PDF

Resources

To help you and your family plan for the future











Contact

Don’t underestimate your retirement expenses. Contact us today



*Required