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Daniel M. Flannery, CFA

No Sales, Just Service. Fee-Only Wealth Management & Financial Planning

Balanced Rock Investment Advisors
PRESIDENT, PORTFOLIO MANAGER, CHIEF COMPLIANCE OFFICER

Boston

MA

Contact Me

Overview

Services

Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Other Financial Planning
    • -Tax Planning
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Businesses or Institutional Clients
    • -Other Portfolio Management

Funds

Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

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Qualifications

Experience

No timeline events available.
Employer Years Dates
Balanced Rock Investment Advisors, LLC 9 years, 1 month Mar 2011 - Present
Cargill Investment Group Ltd. 8 years, 3 months Sep 2004 - Dec 2012

Designations & Memberships

  • Chartered Financial Analyst Institute
    Membership
    Chartered Financial Analyst Institute

Articles and Answers

Insights by Daniel Flannery

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Answers

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Does anybody have any experience with selling RIA Channel 529 Plans? How does the IAR get his fees ?
Advisor (RIA Channel) sold 529 plans pay sales fees to the IAR who sell them, just like a mutual fund. This is why they almost all cost more than direct sold 529 plans, particularly the low-cost direct sold 529s....  (more)
Answered Mar 2014
I have retirement at 2 separate co., neither of which I am employed by , i need help accessing both accounts, help?
If you have statements for the accounts, try calling the company who is sending them to you and requesting access. If you need more assistance than that, try finding a local fee-only advisor (like myself) who can give you a hand....  (more)
Answered Mar 2014
I paid $100,000 more in the cost of bldg a house. Do I get that money back before or after the sales price is divided?
With a tenants in common titling arrangement, I don't believe you are entitled to any increase in your equity ownership of the real estate as a result of paying for improvements. Whatever ownership share you each have according to the tenants in common title should determine your portion of the tota...  (more)
Answered May 2014
Good morning. I need funding to help me secure a convertible loan note on-hand. With my FICO low, I can't get funding.
You will almost certainly need to find a private source of capital (hedge fund, private lending pool, or direct loan from a HNW individual) and make an excellent case for this investment's viability in order to have a chance at funding. Unfortunately, your capital needs fall below the sizes of loans...  (more)
Answered May 2014
Where do i start when planning a retirement if my employer does not offer any plan?
Be careful with trusting the CFP certification too much. Though the organization now claims to enforce a fiduciary standard, the actual business practices of CFPs can be very questionable with respect to the fiduciary standard. Even the CFP board members have had compliance problems, and the organiz...  (more)
Answered May 2014
How do I gain access to a PAYSOP plan?
You should start by getting in touch with the HR department at the company that employed you, or with the financial institution that sent you reports on your PAYSOP plan assets. If you have a statement, call that company to find out how you can access your plan assets. Assuming your employer or its ...  (more)
Answered May 2014
Could I save my commission income from being taxed by contributing to my company 401k plan?
Hi Marshall,Larry covers the details very well here. I just want to add a possible suggestion if you do have inconsistent cash flow, which is to focus first on saving up enough cash reserves to cover you through a slow spell, and then to increase your contributions to the highest level possible.It...  (more)
Answered May 2014
I resigned in 2012 from a company. Do I have to wait until I am 65 or can i sell back my ESOP stock back to the company?
You will need to review the ESOP document to determine the process and rules regarding the repurchase obligation of the company. You should be entitled to have your shares repurchased by the company after separation from the company, regardless of whether you have reached 65. It always makes sense t...  (more)
Answered Oct 2014
Do I rollover my 401k to my other investments that are in Life Partners, or do I leave them where they are at?
I would recommend speaking to an advisor who can take a look at your 401k plans and invstment options and provide some advice on the best course of action. Keep in mind the market has been growing for 5 years straight, so lots of accounts are showing very high rates of return. Understanding the leve...  (more)
Answered Oct 2014
    *Answers are submitted by advisors without compensation.

    Licenses & Conducts

    SEC
    U.S. Securities and Exchange Commission
    • license status
      Registered
    • disclosures
      None
    • as of date
      Oct 24, 2018
    FINRA
    FINRA
    • license status
      Not registered
    • disclosures
      None
    • as of date
      N/A
    Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

    Assets

    Balanced Rock Investment Advisors

    Last updated on March 31, 2019
      • $44.0M
        Total Assets Under Management
      • N/A
        Total Assets Under Advisement
      • 268
        Accounts
      • $164.3K
        Estimated Average Account Balance

    Fees

    Fee Only Advisor
    $
    This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.

    Types of Compensation Arrangements