Robert Choiniere (BS, CFP®)

Planning Specialties

Plans to Prosper provides fee-only comprehensive financial planning and investment advisory services to individuals, families and business owners. 

Most of our clients are in the middle to high income range, comprised of both single-parent and two-parent households. We serve a mix of young families beginning to build wealth; developed families with college-age children; and people preparing for, or just entering retirement. We also work with those transitioning back to single life. 

Our services are integrated and include development of achievable spending plans; debt reduction strategies; estate planning; goal-setting; insurance planning and employee benefit selection; portfolio analysis; investment strategy development and implementation; retirement and education planning; and tax planning and preparation.

For those desiring investment advisory services, we do not impose an assets-under-management minimum. We employ investment strategies primarily using institutional funds designed to capture capital market returns. Our approach provides a successful investing experience without the high cost associated with market-timing and stock-picking.

We offer both limited-engagement services and an ongoing comprehensive wealth advisory retainer, under a fixed fee arrangement.  Investment advisory services are either incorporated into the comprehensive retainer agreement, or are separately billed as an annual fixed fee.