Financial Planning

    Financial Planning


    Objective advice and tailored plans fit your needs.

    Whether you’re running a business or managing personal finances, we offer solutions that address your challenges and fit your needs. Big business or small, soon-to-be-retiree or new college grad, we get to know your concerns and work to solve them with a confidential team approach.

    Sylvia Financial combines the expert and trusted advisory services provided by Voya Financial Advisors* with the customer-focused service that the Sylvia Group has become known for over 60 years. Voya gives us the flexibility to provide unbiased and comprehensive personal and business planning solutions in a way we feel best suits our clients, working with a wide range of highly reputable companies on your behalf and bringing you extra peace of mind.

    Visit the Sylvia Financial site for valuable resources and tools.


    • 401k Pension and Profit-Sharing Plans
    • Annuities – Fixed & Variable
    • Brokerage Accounts
    • Disability Insurance
    • Executive Benefits
    • Individual Retirement Accounts
    • Individual Retirement Plans
    • Life Insurance
    • Long-Term Care Insurance
    • Mutual Funds
    • Rollover Accounts


    • Analysis of Current Coverage & Cost Effectiveness
    • Asset Allocation
    • Assuring Proper Management of Family Assets
    • Business Perpetuation Planning
    • COBRA/HIPAA Assistance
    • College Planning
    • Identification of Current and Future Risk Exposure
    • Income Strategies
    • Long-Term Care Protection
    • Minimizing Probate Expenses, Delays & Publicity
    • Multi-Generational IRAs
    • Personal Financial Needs Analysis
    • Portfolio Analysis and Redesign
    • Reduction or Elimination of Estate Taxes
    • Retirement Plan Distributions
    • Retirement Planning
    • Risk/Return Evaluation
    • Tax Free and Tax Deferred Investment Strategies

    *Securities and investment advisory services are offered through Voya Financial Advisors, Inc., (member SIPC). Sylvia Group/ Sylvia Financial are neither subsidiaries of nor controlled by Voya Financial Advisors.


    • “When I needed assistance with my business insurance program, Jill White immediately responded – and, even more important, she listened. She understood the challenges I had with my former agent, and she and the Sylvia Group team designed a program specific to my restaurant’s needs. I’m confident that with Jill’s expertise and personal attention, Fay’s is in good hands. That gives me the peace of mind to focus on what my family and I do best: serve delicious food and provide great customer service while running a successful business.”

      – Evelyn Bettencourt, Owner, Fay's Restaurant and Knotty Pine Fine New England Catering

    • “Thanks to John Beauregard and the professionals at Sylvia Group, our MassMEDIC membership has paid immediate dividends. Through the BIO Business Solutions® program, Primo Medical received a significant premium reduction on our Professional Liability policy. In addition, utilizing Chubb as our insurance provider and Sylvia Group as our broker, we’re confident that we have business partners who truly understand our insurance needs, provide outstanding loss control services and continue to work with us to lower our total cost of risk.”

      – Christopher LaPlante, Chief Financial Officer, Primo Medical Group

    • “I love your staff. Since we moved over to Sylvia Group for our insurance what is it, maybe three or four weeks? I have had more communication and attention from them than I had for the what, seven or eight years? with my former agency! You have a great team.”

      – Pat Cassan, Ocean Explorium

    • “You have to have somebody like Judy Besse working with you. She’s very detail-oriented and patient. I’d be lost in a quagmire of laws, rules, regulations… I want somebody on my team as I have with Judy.”

      - Paula Gendreau, Business Manager, Greater New Bedford Regional Voc-Tech High School

    • “I want to thank you for this incredible resource (ThinkHR). We will be accessing it frequently and appreciate Sylvia Group making this available to Advanced Eye Centers.”

      Paul C. Abrantes, Executive Director, Advanced Eye Centers

    • “I so appreciate Julie Jennings' help with Medicare planning. It is a relief to be able to consult with a knowledgeable professional on insurance issues. I have no idea how people do this without such help.”

      – Chris Black, Personal Insurance client

    • "Working with Judy Besse can be pretty interesting because she sets the bar so high. And because she’s putting the customer first, she’s willing to put choices on the table that a lot of brokers just aren’t going to consider because they don’t want to take the haircut."

      – Ed Belt, CEO, Primarily Care, Inc.

    • “Working with Sylvia Group over recent years has taken our insurance issues from 'groans and moans' to 'no problem.' Rose Lopes, our Account Manager, is one of the most responsive people I have ever worked with. She responds immediately to questions or special requests. It is such a pleasure to work with Rose, who does whatever it takes to find a solution to our needs. We are very pleased… She always has our interests in mind.”

      – Lynne Foley, Director of Human Resources, Five Star Companies, Inc.

    • “Judy Besse and Sylvia Group do a wonderful job. Judy’s skills, knowledge of the (benefits) industry and manner of presenting complicated things in an easy-to-understand fashion are unparalleled.”

      - Tom Riley, M.P.A., Executive Director, Better Community Living

    • “We wanted to enhance our employee benefits offering, but we didn’t have the time or expertise to explore the myriad of options. Judy Besse consulted with us and provided detailed information that made a complex choice easy, enabling us to maximize our ROI. And she managed the entire process right through to implementation – including employee communication, enrollment and carrier accountability.”

      – Tom Donaruma, Director of HR, Brahmin Leather Works

    • "Sylvia Group is by far the best insurance agency I have ever dealt with, both personally and in my business. They provide customer support that is not found in other agencies. For example, they take a personal interest in their clients, calls are always taken or returned immediately, and during reviews suggestions are made to offer the most cost effective and comprehensive coverage. When claims occur, they have always been there to facilitate the process. It has truly been a pleasure to have them represent me in my insurance needs."

      - William N. Whelan, Chairman, Whelan Associates LLC

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