Demers Financial Planning
Maureen Demers is the owner of Demers Financial Planning and a Certified Financial Planner ™ practitioner. She advises professional women approaching retirement with objective, tax-focused services. She understands the unique challenges faced by women in this “sandwich generation” , including work/life balance and the pursuit of financial security. She began working in the financial services industry in 1989, and providing fee-only financial planning services to individuals, couples and businesses in 1996. As a Certified Financial Planner ™ practitioner, Maureen has met the high standards in education, experience, examination and ethics required by the CFP® Board. She is qualified to address the broad range of financial topics that should be included in your financial plan.
Maureen is a NAPFA-Registered Financial Advisor®. NAPFA (National Association of Personal Financial Advisors) has the highest membership standards in the industry including peer review and 60 hours of continuing education every 2 years.
Maureen is a Registered Investment Advisor in the state of Massachusetts. As a fee-only firm, Demers Financial Planning sells no products nor receives any commissions or referral fees from any non-client source, thus striving to avoid conflicts of interest. She is a graduate of the Boston University Financial Planning Certificate Program, and holds a BA from Emmanuel College.
BA, Emmanuel College
No, credit scores are individually based off of each person’s social security number. Getting married doesn’t merge or change that number, so it doesn’t impact your score. However, if you and your spouse decide to open a joint account, his/her credit score is factored into this. Similarly, you’ll want to improve the credit scores before taking out a large loan or mortgage, because the credit score can cause a higher interest rate.
Maybe. The 'safe-harbor' rules require that you make payments of at least 100% of your prior year tax, or 90% of the current tax due (or 110% if your income is over a certain threshold). The Roth conversion will increase your taxable income so you need to be aware of what your income will be after conversion, and what your payments will be via payroll withholding and/or estimated taxes.