Investment Management Services
Est. 2001
25 Years of Trusted Guidance
For 25 years, Finivi's fiduciary financial advisors have partnered with individuals, families, and organizations to navigate life's financial decisions with clarity and confidence. Headquartered in Westborough, Massachusetts, our commitment to thoughtful planning, disciplined investing, and enduring relationships continues to guide everything we do.
Experiencedcounsel
Long-termrelationships
Planning acrossgenerations
Integrated planning solutions
Financial advice is often fragmented, with separate conversations around investments, taxes, and estate planning. We bring those elements together in a single, coordinated strategy.
Strategic portfolio Management
Institutional-grade portfolio construction tailored to your goals and risk profile, with actively managed allocations across equity, fixed income, and alternative assets.
Clarity at every life stage
A well-designed financial plan aligns your income, assets, spending, and obligations to support your priorities today and over time.
Funding your preferred lifestyle
We help design and maintain an income strategy that coordinates your investments, savings, retirement income, and tax considerations into one plan.
Preserving your legacy
Estate and wealth transfer planning helps ensure what you've built is passed to the people and causes you care about, while protecting your legacy and reducing taxes, stress, and uncertainty.
Navigate life's changes
Sudden wealth, the death of a spouse or family member, divorce, and other significant life events often require reassessing priorities and restructuring your financial life.
Planning for life's contingencies
We evaluate your risk profile and design targeted strategies to address the most vulnerable areas of your household balance sheet and financial life.
Preserving what you built
Succession planning helps define how your business transitions so the value you've built supports your future or stays with your family for generations.
Waters Stock Compensation: How RSUs, PSUs, SARs, and Converted BD Awards Work
What this guide covers The equity side of the Waters Corporation compensation package, based on Waters plan documents, filed employee award forms, and the company’s 2026 proxy materials: Which Waters equity plan governs your award How Waters RSUs are taxed at vest and why withholding may fall short How Waters PSU terms differ by grant […]
Boston Scientific Stock Compensation: How RSUs, Stock Options, and the ESPP Work
What this guide covers The equity side of the Boston Scientific compensation package, as the plan documents describe it: RSUs, DSUs, and PSUs: what each award type means How equity moves from grant to vest, and where the tax lands Stock options, the ten-year clock, and underwater grants The one-year retirement rule that can determine […]
Divorce After 50: The Financial Decisions That Shape Your Retirement
The number that reframes the entire conversation The American divorce rate has fallen to 2.4 per 1,000 people, the lowest level since 1970. Inside that decline sits a trend moving in the opposite direction. Divorce among adults 50 and older now accounts for roughly 36% of all U.S. divorces, and the rate among adults 65 […]
How to Get the Most from Your Boston Scientific 401(k), ESPP, and Stock Benefits
What this guide covers A practical walk-through of the parts of Boston Scientific’s compensation package that most affect long-term wealth: The 401(k) match and its unusual two-tier structure Why the automatic enrollment default leaves money on the table The Employee Stock Purchase Plan, restated effective July 1, 2026 The channels through which company stock accumulates, […]
Understanding Your UMass Memorial Health Care Pension
How the UMass Memorial pension works The UMass Memorial Health Care Pension Plan is a defined benefit plan funded by the employer. You do not contribute to it or choose its investments. Instead, the plan calculates your benefit using formulas based on factors such as your pay and years of service. For participants in the […]
Preparing Your Family to Inherit Wealth: The Conversation Most People Avoid
You’ve spent decades building wealth worth keeping. The question nobody wants to ask is whether the people you’re leaving it to are ready for it. Not ready in a legal sense. Not “is the will signed” ready. Ready in the way that matters: Do your kids understand money? Do they know what you’ve built and […]
Crypto and Your Estate Plan: Protecting Digital Assets from Probate
As more wealth is held online, many investors now own cryptocurrency, exchange-based digital assets, non-custodial wallets, and NFTs alongside traditional accounts. These holdings can create estate-planning issues that do not exist with conventional assets, because legal authority alone may not be enough if no one can identify the asset, satisfy a platform’s procedures, or access the wallet […]
What Happens to a Trust After Death? It Depends on the Trust’s Terms
When someone dies with a trust, beneficiaries are often left wondering what happens next. Will assets be distributed outright? Will they remain in trust? Are there tax consequences to consider? The answer depends on the trust itself. Trusts can be structured in many different ways, and the terms of the trust determine how assets are […]