Greater Boston · Cambridge, MA
Planning for Academic and Life-Science Careers
Cambridge is home to universities, hospitals and a dense cluster of biotechnology and technology companies. Careers here often move between institutions and employers, which leaves retirement savings scattered across several plans and pay packages that are more complex than a salary.
We help Cambridge professionals pull those pieces into one picture and plan for the years ahead, whether retirement is decades away or close.
Local Planning Considerations
What Often Matters in Cambridge
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01
Stock awards and options
If part of your pay is restricted stock units, stock options or an employee stock purchase plan, the tax rules differ by type and timing. Planning when to sell, exercise or hold can reduce surprises, and diversifying can reduce the risk of too much riding on one company.
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02
University and nonprofit retirement plans
Many academic and research institutions offer 403(b) or similar plans with a menu of investment choices and fees that vary widely. Reviewing what you hold in each plan is a good first step.
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03
Many jobs, many accounts
A path through graduate school, postdoctoral work, a startup and a faculty or senior role can leave several old plans behind. We help you decide what to leave, roll over or consolidate, and what each choice means for taxes and investment options.
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04
Housing and the long view
Cambridge housing costs shape how much you can save and when you can stop working. We build the plan around your real situation, including a purchase, rental income or relocating in retirement.
Free Checklist
The Retirement Checklist for Cambridge Families
Fifty questions across income, Social Security, taxes, Medicare, insurance and legacy, to show what is settled and what still needs attention.
Common Questions
Questions Cambridge Residents Ask
We can help you think through how options or other stock awards fit into your overall plan, including diversification and timing. Tax treatment depends on the type of award, so we coordinate with your tax professional.
It depends. Consolidating can simplify things and reduce costs, but some plans have features worth keeping. We review each account's costs, investments and rules before making a recommendation.
No. We work with people at many stages, from those building their savings to those living off them.
Related
Services and Nearby Areas
Nearby: Arlington, MA · Belmont, MA · Boston, MA · Brookline, MA · · All areas we serve
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Request a Complimentary Consultation
A conversation about your goals and how we may be able to help, with no obligation.
Cambridge, MA is one of the communities we serve. This page is general information, not individualized investment, tax or legal advice, and is not an offer to buy or sell any security. Radius Wealth Management LLC provides individualized advice to residents of a state only where permitted. Tax and estate rules change; please confirm current rules with your tax and legal advisors. Our office is at 1 Marina Park Drive #1410, Boston, MA 02210.