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Our Focus is on

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TIME

Our clients are busy professionals and retirees that prefer spending their time doing things they enjoy. Your time is precious; let us provide you with the peace of mind in the security of your financial life.

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What's On Your Mind?

Our comprehensive approach allows us to look at your whole financial life in order to make the best recommendations possible.

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Financial Planning

Having a solid financial plan is the foundation of your financial life.

Investments

We seek to provide clients with a positive investment experience through the alignment of their life and risk tolerance with an academically-based investment strategy.

Early Retirement

Retirement these days means many things to many people. The common theme, however, is to have a plan.

College

Planning for college is often a top priority for our clients.

Inheritance

An inheritance, whether expected or unexpected, sometimes carries with it thoughts and responsibilities regarding the assets that are inherited.

Divorce

Divorce carries with it many issues that have financial implications, and at a time when many are strained by the emotional aspects of the event.

Growing Family

Many couples are looking for an advisor when they become parents. Many new financial issues arise when you suddenly don’t have any time to deal with them!

Loss of Spouse

The loss of a spouse can trigger many financial issues, which can be overwhelming for the survivor.

About Perennial Advisors Group

Our goal is to help clients align their financial lives with what is most important to them.

Story
& History

Our firm was founded on a commitment to help people with their financial success, embracing fiduciary responsibility to act in our clients' best interest.

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Values
& Philosophy

At Perennial Advisors Group, we believe it is important to use a holistic approach to financial planning.

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How To
Get Started

Interested in working with us? Here’s a general idea of how the process works.

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Meet Our Team

Our firm size allows us to give our clients the individual attention that is often overlooked by larger firms.

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I started this business in 1998 with a concept to help people with their financial success. Now all these years later, I feel that we have been...

David Carpenter

Founder, CEO
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My goal is to have a positive impact on my clients’ lives by providing financial advice that is truly in their best interest.

I...

Ken Hoyt, CFP, EA

Financial Advisor
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I joined Perennial in the summer of 2015 after graduating from Bentley University with a BA in Managerial Economics. I knew that I wanted to...

Kelsey Brennan

Financial Planning Analyst
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After years in corporate America and formerly owning a small retail business, it was time to shift gears and seek new opportunities.

I...

Kelly Powers

Office Manager

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Blog & Events

Stay up to date with our latest financial news and events. Register today for one of our workshops or subscribe to our blog.

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SECURE Act - 2 minute summary

Submitted by Perennial on January 9th, 2020

The SECURE Act was signed into law in December 2019.  Here are the 2 primary changes which took effect on January 1st, 2020:

Tags:
  • IRA
  • RETIREMENT
  • RMD
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Primer on Stock Options and RSUs

Submitted by Perennial on September 9th, 2019

Nonqualified Stock Options are the most common type of stock option. When you exercise in-the-money stock options, the difference between the exercise price and the market value is going to be taxable W-2 income to you, at ordinary income tax levels plus Social Security and Medicare taxes.

Tags:
  • Equity Compensation
  • RSU
  • Stock Options
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What is a Mega Backdoor Roth?

Submitted by Perennial on June 28th, 2019

The Mega Backdoor Roth is a strategy that could allow you to contribute an extra $37,000 to your Roth IRA every year!

Before we dive into the details, some background info is required first…

When contributing to a 401(k), there are three different types of contributions that you can make:

Tags:
  • 401k
  • mega
  • roth
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