Helping families in Concord, Massachusetts
Fee-only financial advisors for Concord families
Our office is on Main Street in Concord center.
Monument Group Wealth Advisors is a fee-only fiduciary firm at 801 Main Street in Concord, MA, founded in 2001. We provide financial planning, investment management, in-house tax preparation and estate planning through three affiliated firms working from the same office.
We did not open a Concord office to reach a market. We started here, our founder grew up here, and most of the team lives within a few towns of Main Street.
That matters less for marketing than for the practical business of advising people: we know the school system, the property market, the employers, and the particular shape of wealth that a long career in this area produces.
What financial planning in Concord usually involves
Concord households tend to arrive with three things in combination: a house bought decades ago that is now worth a multiple of what was paid for it, retirement accounts built through a professional career, and estate documents drafted under a tax regime that no longer exists.
Individually none of those is a problem. Together they produce a Massachusetts estate tax exposure that most families do not know they have, and a set of decisions about spending, gifting and downsizing that depend on each other.
Our connection to Concord
Byron Woodman, our founder, is a lifelong Concord resident who served as a director of Emerson Hospital and chaired the Concord-Carlisle Scholarship Fund for eight years. Elizabeth Leonard, one of our estate attorneys, lives in Concord and has served on the Zoning Board of Appeals.
What comes up most in Concord
- Massachusetts estate tax
- Massachusetts applies its own estate tax above $2 million — far below the federal exemption — and around Boston a long-held house plus retirement accounts clears that line more often than people expect.
- Appreciated primary residence
- A home held since the 1980s or 90s can exceed the capital gains exclusion on sale. Whether to downsize, hold, or transfer is a tax question as much as a lifestyle one.
- Concord-Carlisle education costs
- Families often carry private school or college funding alongside retirement saving, and the sequencing between the two decides how early retirement is realistic.
- Charitable giving locally
- Emerson Hospital, the Concord-Carlisle Scholarship Fund and local land trusts are common recipients. Giving appreciated securities instead of cash is usually the more efficient route.
Services Concord families use most
Financial Planning
Life planning that coordinates retirement income strategies, estate planning, tax planning, risk management, and charitable giving into one cohesive blueprint.
Learn moreEstate & Legacy Planning
Your financial plan, coordinated with the legal work of our affiliated law firm, so that wills, trusts and beneficiary designations all point the same way.
Learn moreTax Strategy & Preparation
Proactive tax planning and in-house preparation to optimize after-tax returns and minimize lifetime tax liabilities.
Learn moreConcord, MA
Questions from Concord families
Where is your Concord office?
801 Main Street, Suite 14, Concord, MA 01742 — in Concord center. We meet clients in person here, or by secure video for anyone who prefers it. You can reach us at 978-369-7705.Do Concord homeowners face Massachusetts estate tax?
Often, yes. Massachusetts taxes estates above $2 million, well below the federal exemption. A Concord home bought decades ago, combined with retirement accounts, frequently exceeds that threshold — and many families have no idea until an estate review surfaces it.How long has Monument Group been in Concord?
Since 2001. Our founder Byron Woodman established Woodman & Eaton in Concord in 1980 and co-founded Monument Group Wealth Advisors here in 2001. All three affiliated firms operate from the same Main Street office.
Concord, Massachusetts
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