Caleb is a great CFP to work with!…read more He helped me set up life insurance policies for my 3 daughters and has provided me with guidance on investing for my families future. After meeting in person, he has kept in constant contact with general information in the market as well specific info pertaining to my situation. I just turned 41 yrs old and I feel like a real adult knowing I'm securing a future for my little ones :) Thanks Caleb and Co.!

After 15 years of going with the "big guys" for financial solutions and investing, I decided to go…read morewith Caleb and Harty Financial for all of my life insurance and long-term investing needs. He analyzed my income, assets, and business, in order to assess what I actually needed versus what he could simply sell me. Once I trusted him with the small stuff, I transferred my investment portfolio to his team which resulted in better investments across individual equities and funds, rather than lumping everything into index funds. I've been very pleased with the results and ongoing client relations. Great job.

Nakata Consulting is an essential piece of my business life!!…read more But for the rest of this review let's just be on a first name basis and talk about Joe. I would have probably given up the whole self employed business long ago if not for Joe. I found Joe through some other colleagues in the Boston photography network years ago. I'll admit I was more than clueless about how to keep my bookkeeping organized and he took me under his wing, took the chaos and made sense of it all. Now I do most of the bookkeeping on my own and he gives it a look once a month to make sure I'm on track. In a "teach a man to fish...." sort of a way. Monthly, quarterly and annual taxes are a breeze now and I can confidently make business purchases and know the overall health of the business. If you're a small business (he has a keen knowledge of the photography business - take a look at his client list!! http://www.nakataconsulting.org/links.php ), but also for restaurants, etc... He'll do your sales taxes, bookkeeping, consulting and all at reasonable rates. I've referred him to friends (non-business owners) as well and he'll definitely take care of you. So walk right past H&R Block and call Joe!

Joe is not only a wonderful and kind person but is amazing at what he does! Whether you need…read moresomeone just for tax time or a year round consultant, he can do it all. He is quick, efficient, and has tremendous communication. A must hire!

Steer clear of this business. I unwittingly placed by trust in agents who I feel were deceptive…read moreand unknowledgeable, and the result was the loss of many tens of thousands of dollars. They are not obligated to place your interests above their own, which I learned the hard way. I had to pay a fee-based firm to understand the details of my plans with Baystate and learn that I was misled. They were unprofessional on top of the financial loss. Don't make the same mistake ... there are many other alternatives.

Run away from them as fast as you can! MML Investors Services in Springfield is affiliated with…read moreBaystate Financial and they will try to get away with as little effort as possible. I finally removed all my money from MML/Baystate after over a decade of getting no help or advice. I got stuck with their financial advisor, Timothy Curran, as a result of my original advisor leaving Met Life. Once I moved out of state, Timothy Curran never even called me once a year to check in over the past 15+ years. When I called him, I rarely got to talk to him directly and if I did it was very brief. He provided no guidance. I usually spoke with his assistant Karen who gave me an attitude whenever I had a question/problem and was not helpful. Whatever other money I had to invest, I went elsewhere. When I finally transferred all my money from MML/Baystate to another financial advisor with another company, I was charged for a negative balance that I found out had incurred prior to Oct 2015 (after weeks of my investigation) when Met Life merged into MML. No one told me about it or alerted me to that problem or to the fact that I was getting a 5% interest charge on the negative balance every month. I could've easily paid it off 7 years ago. It was the result of an investment that had fees that outweighed the profit, so when I asked Tim what happened to the account when I first noticed it missing on my report, I was told it was closed out. No advice, no other explanation or instructions. When I called Tim Curran for an answer in 2022 about why that negative balance kept continuing to accrue interest charges and why wasn't I told about it before 2015, his assistant said, "How should we know? You should contact MML to find out. We wouldn't have any idea why they did that!" I called MML over 10x and got a different person each time that had no idea what was going on. After more than a month of calling MML, I FINALLY spoke to a young man that explained what happened. It took him 2 minutes. He felt bad that nobody was willing to help me and actually gave me erroneous information (I was told I was wrong - that it was a credit not a debit). Tim Curran and MML couldn't bother giving me that help and info. When I asked for reimbursement for the interest charges since 2015 due to negligence on MML/Curran's part, I was denied. By the way, when I was told to call Baystate Financial directly, and was given 5 names of people to talk to, I could never get through to a human. And all the people I was told to reach to get help had voicemail boxes that were conveniently full!!

Outstanding Service - Just wonderful people to deal with. I…read morecalled today (September 7th, 2023) and they took the time Out of their day to answer a few questions for me - I wouldn't Hesitate to offer a recommendation for this firm - they are Outstanding. Thank you so much for your professional service.

Nice service. I got there and expected to spend several hours working on tax returns but was walked…read morethrough it by Larry and it was very quick. It was exactly how It was explained to me on the phone. Larry Ardito was very kind and is my new accountant. This is a good place. Very reasonable pricing. Thanks

Two years ago, I went to Morana Law to have a trust established for my aging dad. I was told that…read moreMorana was an expert in this field. We were charged over $16,000 for 2 trusts, POA, healthcare proxy, and will. I had never had to deal with any of this before, so I had no frame of reference as to whether this was a reasonable fee for this type of work. My dad passed last September. Once I felt able to start unwinding his estate, I contacted Morana to get guidance on what I needed to do, in which order. I paid him an additional $880 (one hour of "review" of my file, and one hour zoom call), with the expectation that I would get off that call with a clear checklist of everything I needed to do. I had emailed him prior to the call with my list of questions so he could be fully prepared for our discussion. He answered about 1/4 of the questions I had. For everything else, I was told that "he doesn't handle that" after the trust is created, and I would have to find another lawyer. It was annoying (to say the least) that I wasted time, and more money (which had to be paid in full before the call), especially since I had specifically told him what I needed help with, prior to the call! One would think that he could have replied to my email with a simple, "You know what, almost all of these questions are outside my scope. Here are some attorneys you can contact who will guide you through this next phase." After collecting my thoughts, I emailed him to request at least a partial refund of what I had paid for the "review" and call, since he didn't seem to do any review, nor provide help or guidance. I never heard back from him. The attorney I am working with now informed me that he wouldn't have recommended having things set up the way they were. Granted, two professionals can agree to disagree about planning and final products. However, considering my experience, I did feel taken advantage of. I have been a healthcare professional since 1993. I built my business and my reputation by standing behind my work, and going above and beyond for my patients and clients. I would never have thought to treat a client so shabbily.

I (we) had the worst experience with Morana Law of any lawyer I have ever worked with. We had paid…read morehim over $14,000.00 for a will, durable power of attorney, health proxy, living trust, and a special needs trust. We initially went to Morana because of his supposedly expertise with special needs. Boy were we sorry! The worst customer service ever. After paying him all that money, he claimed our contract was null and void. The fact was we needed more time for some testing to be completed, which put us outside of his pre-established schedule. Morana claimed because we needed more time than his prescribed schedule allowed we broke our contract; therefore, he was not obligated to give us our documents. Keep in mind, we had paid him over $14,000.00. No flexibility at all. Would not even discuss it in person. We had to file a complaint with the Massachusetts Bar Council. It took over two years for us to finally get our documents. We only got our documents because of our complaint filed with the Bar Council. We also got a financial settlement in our favor. Dealing with this lawyer and having to file the complaint with the Massachusetts Bar Council took a lot of time and energy. We did not want to file the complaint. We had hired another lawyer to discuss the situation with Morana, to no avail. He wouldn't return our lawyers phone calls - unbelievable. We were essentially forced to file the complaint. It was aggravating and very frustrating. For something that should have and could have been resolved quickly, especially if he had been just a little sympathetic to our situation. There are a lot of good lawyers in the Andover area to choose from, I suggest you hire one of them. Save yourself potential headaches, aggravation, time and money. If you want to hire Morana, some advice; compare his costs with other lawyers. You may find the same service by other very competent local lawyers, for a lot less money. Also, check just how flexible or inflexible Morana is compared to other lawyers. You may be very surprised, we certainly were. Would I use this lawyer again - ABSOLUTELY NOT! Would I recommend this lawyer to anyone else - ABSOLUTELY NOT! BUYER BEWARE! Forewarned is Forearmed.

I go to these guys for my taxes each year. They do a good job whether complex (e.g., self…read moreemployment), or easy (W2).