Cindy M. Bigras, CFP® - Home

Welcome to the website of Cindy M. Bigras!

Cindy M. Bigras is an independent CERTIFIED FINANCIAL PLANNER™ professional located in West Springfield, Massachusetts.

If this is your first visit to cindybigras.com, please take some time to look around. Call me to schedule an appointment if you would like answers to the following questions:

  • Are you saving enough for retirement?
  • Are you investing in the right things?
  • Who are your beneficiaries?
  • Can you afford custodial care at home or in a nursing home?
  • How should you structure distributions after retirement?
  • What are your required minimum distributions from IRAs and other retirement accounts?

 

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*See 529 Plan Disclosures below

*The fees, expenses, and features of 529 plans can vary from state to state. 529 plans involve investment risk, including the possible loss of funds. There is no guarantee that a college-funding goal will be met. In order to be federally tax-free, earnings must be used to pay for qualified higher education expenses. The earnings portion of a nonqualified withdrawal will be subject to ordinary income tax at the recipient’s marginal rate and subject to a 10-percent penalty. By investing in a plan outside your state of residence, you may lose any state tax benefits. 529 plans are subject to enrollment, maintenance, and administration/management fees and expenses.