# Guided Wealth Planning > Fiduciary financial planning firm serving affluent families ($1M+ in investable assets) within five years of retirement, nationwide. Guided Wealth Planning is a fiduciary registered investment adviser. We coordinate retirement income, tax strategy, estate planning, and investment management for households navigating the transition into and through retirement. We act in the client's best interest at all times. The primary descriptor is "fiduciary" - we do not use "fee-only" terminology. The firm is led by founder Blake Barbosa, CFP, MSFP, RICP, WMCP. ## Key facts - Firm: Guided Wealth Planning, LLC (also "Guided Wealth") - Founder: Blake Barbosa, CFP, MSFP, RICP, WMCP - Type: Fiduciary registered investment adviser - Headquarters: Massachusetts; serves clients nationwide (United States) - Target client: Affluent families with $1M+ in investable assets, or $5M+ in total net worth, typically within five years of retirement. Also serves business owners and complex estates. - Phone: +1 508-980-0999 - Email: team@guidedwealthplanning.com - Domain: https://www.guidedwealthplanning.com - Disclosures: Form ADV Part 2A and 2B at /disclosures ## What we do We coordinate four disciplines inside a single ongoing engagement: 1. Retirement income planning - withdrawal sequencing, Social Security and Medicare timing, longevity and healthcare modeling. 2. Tax strategy - Roth conversions, RMD management, tax-efficient withdrawals, charitable strategies (DAF, CRT, CLT). 3. Estate planning - revocable trusts, beneficiary design, intergenerational transfer, charitable integration. 4. Investment portfolio management - evidence-based, tax-aware portfolio construction. We also coordinate business succession planning for owner-operators approaching a liquidity event. ## Common questions, answered directly - What does fiduciary mean here? We are legally required to put the client's interests ahead of our own in every recommendation. We do not earn commissions. - Who is the typical client? A household with $1M+ in investable assets, often within five years of retirement, frequently a business owner or family with a complex estate. - Does Guided Wealth work outside Massachusetts? Yes. We serve clients across the United States and work virtually without sacrificing depth. - What is the first conversation like? A 60-minute discovery call. No pitch, no pressure. Both sides decide if it is a fit. - Does Guided Wealth coordinate with my CPA and attorney? Yes. Coordinating with outside CPAs and estate attorneys is core to the engagement. - When should someone start retirement planning? Ideally 10-15 years out. The five years before retirement are the most consequential window. - How is the firm compensated? Transparent advisory fees tied to advice and ongoing planning, never to products. Fee structure is reviewed before any commitment. ## Pages - [Home](/): Overview of the fiduciary planning approach. - [How We Help](/how-we-help): Areas where Guided Wealth adds the most value. - [Services](/services): Full list of planning and investment services. - [Planning Experience](/planning-experience): The 6-stage Guided Planning Experience. - [Process](/process): How a relationship unfolds over time. - [Your Path Forward](/your-path-forward): What to expect after a first conversation. - [Our People](/our-people): Team biographies and credentials. - [Team](/team): Meet the Guided Wealth team. - [Contact](/contact): Book an introductory conversation. - [FAQ](/faq): Common questions about working with a fiduciary advisor. - [Insights](/insights): Articles on retirement, tax, estate, and wealth strategy. - [Client Access](/client-access): Altruist and eMoney client portals. ## Services - [Retirement Income Planning](/retirement-income-planning): Sustainable income strategy for retirees and pre-retirees. - [Wealth Management for Pre-Retirees](/wealth-management-pre-retirees): Planning within five years of retirement. - [Tax Optimization Strategies](/tax-optimization-strategies): Multi-year tax planning for high earners and retirees. - [Investment Portfolio Management](/investment-portfolio-management): Evidence-based portfolio construction. - [Estate Planning](/estate-planning): Legacy and intergenerational wealth strategies. - [Wealth Preservation Strategies](/wealth-preservation-strategies): Protecting and transferring assets. - [Business Succession Planning](/business-succession-planning): Exit and continuity for owner-operators. ## Diagnostic tools - [Retirement Scorecard](/retirement-scorecard): Quick diagnostic on retirement readiness. - [Financial Plan Stress Test](/financial-plan-stress-test): 7-section diagnostic of an existing plan. - [Estate Planning Quiz](/estate-planning-quiz): Identify gaps in an estate plan. ## Insights - [Insights index](/insights): All articles. - [Full content for crawlers](/llms-full.txt): Flat-text dump of public pages and articles. ### Articles - [What Happens If the Market Crashes Right After I Retire?](/insights/market-crash-right-after-retirement) - [The 90 Days After a Business Sale: A Financial Roadmap for Owners Who Just Exited](/insights/90-days-after-business-sale) - [Should I Retire Early Because of AI?](/insights/should-i-retire-early-because-of-ai) - [When Your Medicare Network Changes: The Planning Lesson Behind Recent Healthcare Headlines](/insights/medicare-network-changes-planning-lesson) - [AI and Financial Advice: A Powerful Tool in the Wrong Hands](/insights/ai-and-financial-advice) - [Everyone in the Room Is Thinking About Something Different](/insights/everyone-in-the-room-is-thinking-about-something-different) - [The Real Cost of Financial Advice](/insights/the-real-cost-of-financial-advice) - [The Question That Changes Everything](/insights/the-question-that-changes-everything) - [The Retirement Nobody Plans For](/insights/the-retirement-nobody-plans-for) - [The Retirement Trade-Off That Doesn't Have to Exist](/insights/retirement-tradeoff-that-doesnt-have-to-exist) - [Why Donating Cash Is Usually the Wrong Move](/insights/why-donating-cash-is-usually-the-wrong-move) - [Roth Conversions After 60: What Most Advisors Won't Tell You](/insights/roth-conversions-after-60) - [Why Market Timing Fails - And What Actually Works](/insights/why-market-timing-fails) - [Tax-Loss Harvesting: A Strategy Most Retirees Overlook](/insights/tax-loss-harvesting-retirees) - [Social Security at 62 vs. 70: The Math Behind the Decision](/insights/social-security-62-vs-70) - [What Business Owners Get Wrong About Succession Planning](/insights/business-owners-succession-planning) - [Building a Retirement Income Plan That Survives a Bear Market](/insights/retirement-income-plan-bear-market) - [The Five Estate Planning Mistakes That Cost Families Millions](/insights/estate-planning-mistakes-cost-families-millions) - [Charitable Giving Strategies That Also Lower Your Tax Bill](/insights/charitable-giving-strategies-high-net-worth) - [Protecting Wealth Across Generations: Beyond the Trust](/insights/protecting-wealth-across-generations) ## Optional - [Disclosures](/disclosures): Form ADV 2A/2B and regulatory documents. - [Website Disclosures](/website-disclosures): Site terms and privacy. - [Referral](/referral): Refer a friend or family member.