Where Guidance Meets Growth
At Silver Financial Service, we take a proactive approach to managing and overseeing every aspect of your financial life. Below are just a few of the areas we help you navigate.
Our services are designed as a comprehensive partnership—flexible, responsive, and tailored to your unique goals and circumstances.
Whether you’re building momentum with modest resources or managing complex wealth, financial planning with us provides clarity, structure, and confidence at every stage.
Services Include:
Budgeting & Cash Flow
- Build and maintain a budget that actually works
- Set up accounts and cards to match your system
- Navigate shared finances without the stress
- Check if your money habits line up with your values
- Work generosity and giving into your plan
Tax Strategy
- Plan ahead to lower your tax bill
- Review Roth conversions and tax-loss harvesting
- Double-check paystubs and withholdings
- Coordinate investments with your taxes
- Stay connected with your tax preparer
Career & Benefits
- Review benefits like insurance and retirement plans
- Talk about career growth and life satisfaction
- Set income goals that fit your needs
Investments
- Review retirement and non-retirement accounts
- Understand risk and return without the jargon
- Manage investments to reflect your goals and values
Self-Employment
- Align your business with your personal finances
- Separate business and personal expenses
- Set up retirement plans for the self-employed
- Explore liability protection and incorporation options
Retirement
- Project retirement readiness and timelines
- Recommend savings rates tailored to you
- Review Social Security and Medicare options
- Define what financial independence looks like for you
Maine State Employee Planning
- Navigate the MainePERS retirement system and benefit options
- Coordinate state pension benefits with Social Security and other savings
- Review health insurance and retiree healthcare coverage
- Understand payout choices and survivor benefit options
- Plan for supplemental retirement savings (457(b), 403(b), IRAs) alongside your pension
- Integrate union benefits and leave time into your overall financial plan
Real Estate
- Plan for buying or selling property
- Work toward down payment goals
- Review mortgage strategies
- Track rental or investment property alongside other assets
Caring for Loved Ones
- Plan for kids and education savings
- Set up and manage 529s or custodial accounts
- Support care for aging parents
- Protect dependents with income and risk planning
LGBTQIA+ Planning
- Navigate unique financial and legal considerations for LGBTQIA+ individuals and families
- Coordinate estate planning with an emphasis on chosen family and protections
- Review health insurance, benefits, and family leave options for inclusivity
- Plan for adoption, surrogacy, or other family-building costs
- Address tax planning and filing strategies for married vs. unmarried couples
- Ensure your financial plan reflects your goals and values
Insurance
- Assess needs for life, disability, health, auto, and liability coverage
- Connect with trusted insurance professionals as needed
Trusts & Estate Planning
- Clarify trust documents and your role in them
- Coordinate with attorneys and family advisors
- Make sure your values are represented
- Cover essentials like wills, powers of attorney, and healthcare directives
Inheritance Planning
- Plan ahead for receiving an inheritance with clarity and intention
- Understand the tax impact of inherited assets
- Integrate inherited wealth into your overall financial plan
- Balance honoring family legacy with your own goals and values
Life Transitions
- Navigate major changes like marriage, divorce, or starting a family
- Plan for career changes, sabbaticals, or relocations
- Manage the financial impact of unexpected events
Philanthropy & Legacy
- Develop a giving strategy that reflects your values
- Explore donor-advised funds and charitable trusts
- Incorporate philanthropy into tax planning and estate plans
Education & Financial Literacy
- Provide resources to help you understand your money
- Host workshops or one-on-one sessions for deeper learning
- Support next-generation financial literacy for kids and teens
Fiduciary Responsibility
According to Investopedia, Fiduciaries are persons or organizations that act on behalf of others and are required to put the clients’ interests ahead of their own, with a duty to preserve good faith and trust. Fiduciaries are thus legally and ethically bound to act in the other’s best interests.