We specialize in building sound retirement wealth management systems for current and future retirees. Discover what it means to have added financial confidence in retirement so you can focus on what’s important to you.
As retirement and investment professionals, we specialize in helping to create financial independence for our clients and their families as they move from their accumulation phase to, or are currently in, their distribution phase of their financial lifecycle.
Cutter Financial Group was founded by Jeff Cutter, CPA/PFS, who has over 25 years of experience helping retirees and soon-to-be retirees enjoy their golden years.
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We follow a fiduciary standard to provide you with the best service we possibly can:
A comprehensive retirement system that addresses all of your retirement needs, from downside risk mitigation and advanced tax planning to income planning, including Social Security, legacy planning, and planning for the unexpected and the inevitable.
A sound retirement system starts by defining your income needs throughout retirement. We help you analyze and maximize your current retirement income benefits, including Social Security and company pension plans, identify any income gaps, and build a tax-efficient income plan that includes the necessities as well as the little luxuries.
Tax planning goes beyond filing your taxes each year. We review your current tax situation and show what it could look like throughout retirement. As a CPA with a Master of Science in accounting, Jeff is trained to manage and minimize taxes within a comprehensive retirement system.
Your savings must support you through potentially decades in retirement. We are investment advisors and fiduciaries, and we design and deploy a RiskFirst® investment strategy built to manage downside risk while seeking the growth you need to sustain a comfortable retirement.
Estate and legacy planning are crucial for everyone, not just the wealthy. We learn how you want your assets to pass to your beneficiaries, review the wills and trusts you have in place, and work with your attorney, or recommend one, to close any gaps.
Protecting your family wealth and future is vital. We run your plan through “what if” scenarios, such as the death of a spouse or long-term care, and review solutions, often insurance-based strategies, to help minimize the effects and maximize your probability of success.
“If you focus on the downside risk, the upside can take care of itself.”Jeff Cutter, CPA/PFS
As the owner of Cutter Financial Group, LLC, along with being a certified public accountant (CPA) and earning the Personal Financial Specialist (PFS) designation, Jeff is subject to a fiduciary standard instead of the suitability standard used by many retail brokerage and financial institutions.
Jen joined Cutter Financial Group, LLC with over 27 years of professional experience. Prior to joining Cutter Financial Group, she worked in a variety of companies, including the accounting offices of Brown Rudnick, Freed & Gesmer, companies such as Pfizer and Altana Pharmaceuticals, and most recently at Associates of Cape Cod, Inc.
Ethan has joined Cutter Financial Group as an Investment Advisor Representative. His most recent experience as a Financial Services Professional with another fiduciary firm headquartered in Charlestown, MA has equipped him for a successful transition into the Cutter Financial Group family.
She graduated from the University of Massachusetts with a Bachelor of Science in accounting and has worked in the financial community for over 30 years in a variety of accounting, operations, and business management roles.
Jill is instrumental in the infrastructure of Cutter Financial Group, LLC. Jill is a graduate of the University of Connecticut’s School of Pharmacy and is a licensed pharmacist. She also has a life and health insurance license in Massachusetts. Jill understands the philosophies of Cutter Financial Group, LLC and is always thinking of the needs of its clients.
Bonnie grew up in a family that valued entrepreneurship, natural curiosity, and a strong belief in the golden rule: treat others as you wish to be treated. Those values have guided Bonnie throughout her professional and personal life — values she brings to bear for every Cutter Financial Group client.
The team at Cutter Financial Group has regular classes for current and future retirees to socialize while learning how they can work toward a brighter financial future. Courses include Retirement Planning Today (for adults age 50 to 70) and Rejuvenate Your Retirement (for retirees age 65+), held at the Hyannis Center, 540 Main Street, Hyannis, MA.
Call 508-375-5013 to Register
Best of the Upper Cape, awarded by The Enterprise in 2020, 2021, 2022, 2023 and 2024. Best Financial Planning Services, awarded by the USA Today Network via the Cape Cod Times in 2024.
Links to your investment and insurance account portals, plus helpful government resources.
Let us get to know your situation, goals and needs. Then together, we will help you build a sound retirement system.
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