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Because the best is yet to come

Where life meets work, you’ll find our life’s work.

Today more than ever, employers and employees alike recognize the importance of maintaining a healthy work-life balance. It’s that happy medium between “living to work” and “working to live,” where optimal productivity comes at minimal sacrifice of family time, personal interests, and overall well-being. But what about the larger picture? The one that transcends your daily and weekly schedule, and even your plans for the coming month or year?

That’s where we come in.

At Pension & Benefits Associates, Inc., we partner with businesses to help ensure that long-term balance of work and life: a sound retirement plan. After all, many envision post-employment as the prime of life—and making wise choices during the income-earning years is the key to realization. With highly specialized expertise and diverse, deep-rooted experience, we have the tools and foresight needed to guide small-business owners through the complex realm of retirement planning. It’s the reason our trusted services consistently result in a more productive workforce and better retirement outcomes for clients throughout Western Massachusetts and beyond.


We’re proud to guarantee:

An independent perspective. Our affiliation with Commonwealth Financial Network®, the largest private independent broker-dealer in the nation, means our firm remains independent, too. We are free to act in your best interest, without any pressure to promote a particular product or course of action. This allows us to cultivate a genuine, personalized rapport with each and every client we serve. 

Signature strategies. Beyond our specialized credentials, industry designations, and collective years of experience lie the simpler facts: We know what works, and we’ll show you just how it will work for you. Our tailored recommendations allow you to invest in your own financial future while empowering economic effort among your valued employees. 

Total-journey guidance. Many fiduciary consultants offer advice on wealth accumulation (saving and investing), the phase we liken to climbing a mountain. The trouble is, some may leave you all but stranded at the top. An educated strategy is just as critical for deaccumulation—spending what you’ve worked hard to acquire—as it is for building up wealth. That’s why our commitment has always meant steadfast companionship, both uphill and down.

We believe that with customized counsel and the right plan, financial wellness is achievable for everyone. Learn more about the ways we can help you and your employees get there. Together, we’ll create the ultimate work-life balance—the one that lasts a lifetime.