Three Pillars Financial
Three Pillars Financial

Helping our clients accumulate and protect their wealth.





 

 

 

Today's investment climate offers unprecedented opportunities. At Three Pillars Financial, our mission is to help clients to provide them with three key tools:



 





  1. A clear understanding of their financial goals

     
  2. A well-defined roadmap for achieving those goals

     
  3. Ongoing advice to help adjust their strategy when their needs change

     




 

Our services cover  areas from investment and retirement funding strategies to risk management and estate conservation. We focus in helping our clients develop a comprehensive, cohesive financial strategy that fits their unique needs and enables them to meet both short- and long-term objectives through the use of various investment products. On our Web site, you'll find valuable information for evaluating your current position and progress toward financial goals. We offer educational articles that outline financial concepts and highlight products designed to fill the gaps in your financial strategy. You'll also find calculators that will help you assess your current and future needs. Please remember to visit our Web site often, as our content is constantly changing. For help with your financial strategy or for more information on Three Pillars Financial, please contact us today.



 

 





Three Pillars Financial is a seperate entity from New England Securities.

 

 

 

Richard A. Alafat, Jr. is a registered representative, investment advisor representative, and financial planner of New England Securities Corp.(NES).

 

I am liscensed to sell securities in the following states:  Maine.  I am licensed to sell insurance in the following states:  Maine.  I cannot communicate with, nor respond to requests from, users who reside in states where I am not licensed to conduct securities and/or insurance business.



 

 



 

I am licensed and registered to offer products and services in [ME]. Licenses and registrations will vary by representative and some representatives may be licensed and registered in additional states. Please contact this office for further information.

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Newsletters

Our financial newsletters are designed to provide helpful information on a wide variety of financial topics.

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Income Annuities Guide

Find out if income annuities can play a role in your retirement plan.

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Financial Calculators

Tools to help you estimate answers to common financial questions.

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Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

Savings Accumulation

Estimate the future value of your current savings.

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Impact of Inflation

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

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Roth IRA Conversion Mistakes Can Be Costly

One popular way to fund a Roth IRA is by transferring assets from a traditional IRA or an employer-sponsored retirement plan. This type of transaction, called a Roth IRA conversion, is simple in theory but can be complicated in practice. If you make certain mistakes, you could lose some key advantages.

HOT TOPIC: Debating the Debt Ceiling

There has been substantial debate in Congress over raising the ceiling on the national debt. Although many Americans could be adversely affected if Congress decided not to increase the debt ceiling, this is unlikely to happen.

Why You Want to Know How Much Your Business is Worth

An up-to-date valuation may seem like an unnecessary expense for a small business, but it could prove to be invaluable to achieving long-term goals. Knowing the current value of a business can affect how an owner might approach everything from retirement to estate conservation to a succession strategy.

Fixed for Life

More than 40% of Americans ages 36 and older are at risk of running out of money in retirement, according to a retirement readiness study. In fact, almost one-third of people with upper-middle incomes and 13% with high incomes may not be able to pay for basic retirement expenses and uninsured health-care costs after two decades in retirement.

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