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Robert E. Maloney

Retirement, Small Business, Lifestage Based Planning
“Robert E. Maloney is the Managing Member of Squam Lakes Financial Advisors, LLC, which he founded in 1982. Led by the needs of his clients, Bob developed the firm’s expertise in comprehensive financial planning.”

Squam Lakes Financial Advisors, LLC

Job Title:

Chief Listener


Bob has long been a proponent of fee-only financial planning and was a founding member of the National Association of Personal Financial Advisors (NAPFA), the leading professional association of fee-only financial advisors. He served three years as president and director of the Northeast Mid-Atlantic Region of NAPFA and led a committee to develop NAPFA University for the continuing education of fee-only financial advisors and planners. In 2011, he received NAPFA’s Robert J. Underwood Distinguished Service Award and in 2013 he was honored and recognized as one of the 30 Most Influential for meritorious service to NAPFA and the Fee-Only financial planning community.

Bob’s client base included women, retiring and retired couples, owners of closely held businesses professors at Plymouth State University. They look to Bob and his team to help articulate personal goals and develop comprehensive planning strategies for achieving those goals.

In the 14 years prior to founding his own business, Bob administered estates, trusts, and developed new business for bank trust departments. He was awarded the Master of Science Degree in Financial Services (MSFS) from the American College in Bryn Mawr, Pennsylvania, and had his undergraduate studies at Siena College in Loudonville, NY. Bob holds the Accredited Estate Planner certification from the National Association of Estate Planing Councils, a leading organization of professional estate planners and affiliated estate planning councils focused on establishing and monitoring the highest professional and educational standards for the practice.

Bob has been recognized as one of the best financial advisors in the country by both Moneymagazine and Worth magazine. Medical Economics also recognized Bob as one of the best financial planners in the country for doctors.

Financial writers have often sought Bob’s expertise in areas of personal finance. He has been quoted in the Wall Street Journal, Investment Advisor, Medical Economics, Physicians Personal Advisory and Money Magazine. Bob was also featured in Financial Planner magazine for his work as a financial advisor to women.

Bob is immediate past president and a board member of the Squam Lakes Chamber of Commerce and president of the White Pond Watershed Association. He is an active member of the Town of Holderness, NH as a member of the Zoning Board of Adjustments and the Budget Committee and a long-time participant in the “Who Can Make the Best Apple Pie Contest” in Holderness, NH.

In 2012 Bob was named as a director of Speare Memorial Hospital in Plymouth, NH and serves on its Budget Committee and its Long Range Planning Committee.

He is a member of the New Hampshire Estate Planning Council; past Chairman, President, and Director of the Connecticut Estate and Tax Planning Council; and a former President and Director of the Southern Connecticut Chapter of the International Association of Financial Planners (IAFP).

Bob is an avid hiker and fresh-water fisherman, and lives with his wife Bonnie in Holderness, NH.


BS, Finance, Siena College
MSFS, Financial Services, Bryn Mawr College

Fee Structure:

Fee-Only--Retainer Fee and Fixed Plan Fee

CRD Number:


Insurance License:


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November 2016
    Estate Planning
January 2017
    Asset Allocation, Estate Planning
October 2016
    End of Life, Estate Planning
January 2018
    Life Insurance, Financial Planning, Disability Insurance
October 2016
    Estate Planning, Lifestage Based Planning

All Answers
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    401(k), Retirement Plans
Do my 401(k) contributions lower my income?
100% of people found this answer helpful

I see you already have eight answers and I'm hoping I'm not simply piling on what others have already shared with you. The point you may be missing is that there is a difference between income and taxable income. Taxable income from employment on your form W-2 includes your gross income less the 401(k) contributions and possibly less some other pretax items. So in effect, if you had an income of $70,000 this year and could put away $10,500 in your 401(k), your income for the year is still $70,000 but your taxable income is only $59,500. This may be the reason you were rejected and leads me to believe that you have to check the rules to determine what each organization uses to qualify or fail to qualify for benefits. What you are doing with the 401(k) plan is shifting income from the current tax year into a year in which you may well be retired. In theory, the typical goal involves moving money out of a higher tax bracket with the expectation that when you retire you will be in a lower tax bracket. I frankly don't know where this theory has come from because in the best of all situations, you've had the use of money that would've gone to Uncle Sam (taxes) over your working lifetime and this money earns additional funds that you would never have had. Paying it back after age 70 1/2 is simply the price you pay for the deduction in the years in which he worked. In the best of all worlds, your retirement income would be much higher but this is often not the case. Hope this helps a little and good luck

April 2018
    Retirement, Stocks, Taxes, Tax Deductions / Credits
How can I determine cost basis for stocks sold?
100% of people found this answer helpful
April 2018
    Estate Planning, Asset Allocation, Choosing an Advisor, Stocks
My mother’s advisor says he can’t sell any stocks in her account. Could he possibly be right?
100% of people found this answer helpful
May 2018
    Career / Compensation, 401(k), Taxes
If I cash out my 401(k), what will happen other than being taxed on this amount?
100% of people found this answer helpful
August 2018
    Taxes, Tax Deductions / Credits, Insurance, Disability Insurance
If I accept a lump-sum payout to close a disability case, what federal tax rate can I expect to pay?
100% of people found this answer helpful
August 2018