Make your money work for you. An understanding of how your money is used serves as the very foundation of financial planning. We work closely with each client, optimizing financial surplus, creating spending and saving strategies, and utilizing the best tools to pay down debt.

Investment planning involves an assessment of personal objectives and goals, a time horizon, and a perspective on "risk" vs "return". Our financial advisors evaluate each account's expenses and taxation to create long-term results and success.

Planning for retirement comes in different packages. Oceanstate Financial strives to understand your goals in terms of retirement life, such as your current state, where you want to be, and how you want to live. Our financial professionals guide clients along an optimized path, whether or not they're already in retirement.

Assessing risks is part of our daily routine as financial advisors, and we understand that life is full of unexpected turns. Many unforeseen circumstances can have a profound impact on your financial future, especially without financial planning. We assess our client's insurance portfolios to assess coverages and costs, in order to determine the best strategy for their needs.

Higher education comes at a price many families cannot afford. With the rising costs of attending college, there has never been a better time to prioritize higher learning. Our investment advisors can help manage your higher education investing goals for future generations.

Building wealth is directly affected by your long-term goals. Oceanstate Financial assists clients with planning for their future financial needs, offering industry experience in estate planning. We ensure our clients are equipped to leave a legacy, protect their assets, and take care of their families even after they're gone.

Planning for your major purchases is key to a successful plan. We can ease the burden of major spending decisions while continuing to manage your wealth. Seeking advice from our RI financial firm lessens the impact of large purchases, ensuring the exploration of every possible option and tool available.

Your company must take the proper actions in ensuring employees are taken care of, especially after you have attracted talented employees. Our current employment crisis is no joke and, if your employees are to be retained, you must provide adequate benefits and retirement packages.