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Welcome to the website of Cindy M. Bigras, an independent CERTIFIED FINANCIAL PLANNERprofessional located in Holyoke, Massachusetts.

If you're a current client, you'll find useful links to access your accounts, to schedule appointments, to get up-to-date information about the markets, and to utilize numerous resources to empower you in your financial decision-making.

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?
*See 529 Plan Disclosures below

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Featured Content: Latest Article and Market Commentaries

Year-End Financial PlanningStart 2015 on the right foot with these year-end planning tips.

View the Featured Article


Last Updated: 11/24/14


*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.

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