Maureen Baxter, CLU, ChFC

Maureen Baxter, CLU®, ChFC®, is an advanced planning consultant at Commonwealth Financial Network®, member FINRA/SIPC, an independent broker/dealer–RIA. Since joining the firm in 2013, she has been helping affiliated advisors with issues involving executive benefits; high-level insurance planning; and charitable, estate, and business planning. Maureen earned her MBA from Plymouth State and her CLU and ChFC from The American University.

Information about securities-registered professionals may be found at FINRA BROKERCHECK.

Recent Posts

An Advisor’s Guide to Medicaid Estate Recovery

How to Help Clients Evaluate Pension Considerations at Retirement

What Your Clients Need to Know About Medicare

3 Tax-Minimizing Strategies to Protect Your Clients' Retirement Income

Using Visionary Planning for Better Client Meetings

An Advisor’s Guide to Medicaid Estate Recovery

Posted by Maureen Baxter, CLU, ChFC

May 31, 2017 at 1:30 PM

As you’re likely aware, Medicaid is a joint federal and state program that provides a range of health care services to individuals with limited financial means. But what you may not know is that states may place a lien on a recipient's probate estate (and, in some states, nonprobate estate) for the amount of benefits paid during his or her lifetime. (Although there are some specific protections for surviving spouses, children younger than 18, and disabled family members.)

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Topics: Retirement Income Planning

How to Help Clients Evaluate Pension Considerations at Retirement

Posted by Maureen Baxter, CLU, ChFC

November 9, 2016 at 1:30 PM

In today’s landscape, there are fewer defined benefit (DB) pension plans offered by private-sector employers. Still, you may have clients who are participants in these plans. As their financial advisor, how can you help clients evaluate pension considerations at retirement, including the different payout options for their DB pension plans? Here, we’ll cover the various payout options available, plus other important factors like the changing regulatory environment, that you can review with your clients to help them make the right pension decision for their individual situation.

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Topics: Retirement Income Planning

What Your Clients Need to Know About Medicare

Posted by Maureen Baxter, CLU, ChFC

November 1, 2016 at 10:00 AM

As you’re probably aware, Medicare is the primary health insurance for people age 65 and older. But it might surprise you to learn that, according to HealthView Insights, the estimated average lifetime premium costs amount to an astounding $266,589 for a 65-year-old couple covered by Medicare Parts B and D and a supplemental insurance policy. Many of your clients may underestimate these costs or fail to account for additional health care coverage expenses.

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Topics: Retirement Income Planning

3 Tax-Minimizing Strategies to Protect Your Clients' Retirement Income

Posted by Maureen Baxter, CLU, ChFC

June 9, 2015 at 10:00 AM

What is retirement? If you ask 10 people, you may get 10 different answers. Baby boomers are redefining retirement and likely leading the way for future generations. Many are even "dropping out" of high-earning careers to pursue passions like teaching, traveling, and volunteering. Clearly, such decisions can have a major impact on clients' financial planning.

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Topics: Retirement Income Planning

Using Visionary Planning for Better Client Meetings

Posted by Maureen Baxter, CLU, ChFC

February 18, 2015 at 1:30 PM

Having vision is a key to success in any industry but perhaps especially in the financial services industry, where market events and other circumstances can affect the financial plans advisors develop with their clients. Visionary planning allows leaders and organizations to be more resilient and focused—rolling with the punches and ensuring that their actions always align with their ultimate goals.

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Topics: Financial Planning

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