South Shore · Duxbury, MA
Planning for Duxbury and South Shore Families
Duxbury is a coastal town on the South Shore, home to families who commute up Route 3 to Boston, business owners, and many people who chose the town for retirement. We offer retirement, investment and estate planning to families in Duxbury and nearby towns like Marshfield, Kingston, Pembroke and Plymouth.
Life by the water brings its own planning questions: a home that may be both your largest asset and your biggest expense, insurance that can change from year to year, and the choice between staying put, downsizing or splitting time somewhere warmer.
Local Planning Considerations
What Often Matters in Duxbury
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A coastal home in the plan
For many Duxbury families the house is the biggest asset on the balance sheet. Flood and homeowners insurance, maintenance on an older or waterfront home, and property taxes all belong in a retirement budget, alongside what a sale might mean for taxes and income later.
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Staying, downsizing or splitting time
Some people stay in town for good, some move to something smaller nearby, and some spend winters in Florida. Each path changes cash flow, taxes and where you are a legal resident, so it helps to compare them side by side before deciding.
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Massachusetts estate tax
Massachusetts taxes estates above $2 million per person, and the exemption is not shared between spouses. A paid-off South Shore home plus retirement savings can reach that line, so beneficiary designations, titling and trusts deserve a look with your attorney.
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Income for a long retirement
The questions turn to when to claim Social Security, which accounts to draw from first and how to keep income steady through market ups and downs. Massachusetts does not tax Social Security benefits, though they may be taxable federally.
Free Checklist
The Retirement Checklist for Duxbury 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 Duxbury Residents Ask
Yes. We work with Duxbury and South Shore families in person by appointment or by video, and our office is in Boston's Seaport District. Call 1-617-765-2200 to arrange a time.
The federal home-sale exclusion, how long you have owned and lived in the home, and where the proceeds will go all matter. A large gain can also affect the Massachusetts 4% surtax on income above about $1.1 million in 2026. Talk with your tax professional before you sell; we can help you plan for the proceeds.
Start by deciding which state you intend to call home, because residency affects income and estate taxes. Our Vero Beach page covers what Massachusetts families often consider when they split time.
Local Insights
Articles for Duxbury Families
- Retiring on the South Shore: A Checklist for Duxbury Families November 4, 2026
Staying in the house, downsizing or splitting the year somewhere warmer? For families in Duxbury and nearby South Shore towns, here are the decisions worth working through before and during…
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Request a Complimentary Consultation
A conversation about your goals and how we may be able to help, with no obligation.
Duxbury, 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.