FEE-ONLY, TAX FOCUSED, FINANCIAL PLANNING AND WEALTH MANAGEMENT

John is a Certified Financial Planner™, an Enrolled Agent with the Internal Revenue Service and an Advisor and Partner at The Practical Planner, LLC. He received his degree in Economics from the Isenberg School of Management at the University of Massachusetts Amherst. Prior to joining The Practical Planner, LLC, John was a financial advisor at Fidelity Investments.

John is a member of the Alliance of Comprehensive Planners (ACP), where he serves as the chairman of the training committee. He is also a member of the National Association of Personal Financial Advisors (NAPFA), The National Association of Tax Professionals (NATP) and the Fee-Only Network. As a NAPFA- Registered financial advisor, he is required to meet the most stringent continuing educational requirements in the industry.  

John resides in the quintessential New England town of Groton, Massachusetts with his wife, and favorite employee, Beth and their four young kids. He serves as a trustee/treasurer of the Groton Public Library Endowment, a member of the Groton Business Association and as an Eagle Scout, is a merit badge counselor with the Boy Scout troop in Groton. In his spare time, John enjoys morning workouts before the kids wake up and vacationing at their cottage in Marshfield.

Pat founded The Practical Planner, LLC in 1999. She is a Certified Financial Planner™, Registered Investment Advisor and an Enrolled Agent with the Internal Revenue Service bringing over 30 years of experience to the practice. 

Pat is a founding and past board member of the Alliance of Comprehensive Planners (ACP), a premier fee-only financial planning organization and a previous member of the National Association of Personal Financial Advisors (NAPFA) and the National Association of Tax Practitioners (NATP).

Pat is originally from Miami, Florida and earned her degree in Economics from Assumption College in Worcester, MA where she met her husband, Tom. She fell in love with New England and now resides in Maynard, Massachusetts. In her free time, she loves spending time with her young daughter and 8 grandchildren, gardening, hiking and vacationing at their cottage on the south shore or remote cabin in Vermont’s Northeast Kingdom. 

Pat has been quoted for articles in The Wall Street Journal, Wall Street Journal Online, Kiplinger’s Personal Finance, Fidelity Investment’s Stages magazine and E-News and Investment Advisor magazine. She was also a source for the Parents magazine article, “Can You Afford to Quit Work?” and the magazine column about investment strategy for saving versus pre-paying college loans.

Beth is the Operations Manager and organizational mastermind at The Practical Planner, LLC. She received her business degree from the Isenberg School of Management at the University of Massachusetts Amherst where she met her husband, John.

Beth joined the family business in 2017 after years of working as an Executive Assistant at a consulting firm. As an integral member of The Practical Planner team, Beth keeps the office running smoothly. She’s the self-proclaimed friendly face at The Practical Planner and strives to foster long, successful relationships with each client.

Beth resides in the quaint town of Groton, Massachusetts with her husband, John, and their four kids. Beth is an avid foodie and loves cooking meals for her family. She always tries to stay one step ahead and organized - although very challenging with four kids!