ClearPath Financial Partners

Ryan M. Kittredge CFP®, ChFC® President, Financial Advisor · clearpathfinancialpartners.com

ClearPath Financial Partners stands out in the financial planning sector by offering adaptive, goal-focused financial plans paired with top-tier investment management. Boasting over 30 years of combined experience, their team prides itself on meticulous craftsmanship and a commitment to continuous improvement. The firm’s foundation is based on a transparent, collaborative financial planning process aimed at fostering enduring client relationships built on trust.At ClearPath, the approach is not just about planning for clients, but planning with them. They offer financial planning services that are not only comprehensive but also adaptable, ensuring that client goals are met today while maintaining the flexibility to adjust plans as life evolves. Through engaged conversations, they delve into clients’ aspirations, devise strategies, and provide impactful advice for present needs, as well as guidance for the future.

10 episodes

1mo ago latest

monthly cadence

English language

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Episodes 5

Tax Flexibility in Retirement
1mo ago · 23:57
This episode of the ClearPath Financial Partners podcast deals with flexibility. How retirees can optimize their tax situation through strategic planning and income management. Rather than simply minimizing taxes in any given year, Ryan Kittredge, President & Financial Planner at ClearPath Financial Partners, emphasizes the importance of coordinating multiple income sources—including Social Security, pensions, pre-tax retirement accounts, Roth accounts, and taxable investments—to manage tax brackets effectively throughout retirement. “By paying less today, you may be sort of snowballing up the
Social Security Claiming Strategy and Impact of the Social Security Fairness Act
5mo ago · 23:59
Ryan Kittredge, President of ClearPath Financial Partners, joined Radio Worcester to explain the complexities of Social Security, including how the Social Security Fairness Act eliminated WEP and GPO provisions and why the timing of when you claim benefits can have major financial consequences.
Insurance & Risk Management
9mo ago · 24:27
Ryan Kittredge of ClearPath Financial Partners welcomed Andrew Zawada of Zawada Insurance Agency for an in-depth discussion about the role of risk management particularly property and casualty insurance in a smart financial plan. Andrew explained the importance of working with an independent insurance agency, which can shop policies among multiple carriers and advocate for clients when needs change. He also emphasized that the insurance landscape has shifted significantly post-COVID, especially in the auto market where rates have climbed and insurers have become more selective in policy underw
What Happens to Your Finances When the Government Shuts Down
9mo ago · 7:53
ClearPath Financial Partners President Ryan Kittredge joins the Talk of the Commonwealth to explain the ongoing effects of a government shutdown. Kittredge explained that the shutdown’s direct financial impact on the average person was minimal, though a prolonged shutdown posed greater risks to the market by delaying key economic data. “A prolonged shutdown, if it’s going past a few weeks or a month, there’s definitely more downside market risk and investor weariness may set in at that point.” Kittredge said “…the market is still at this point pretty optimistic based on the underlying trend da
Why Retirement Risk Management Must Be Personalized
12mo ago · 25:49
Ryan Kittredge, ClearPath Financial Partners, discusses how individuals approaching retirement should assess and manage investment risk within their portfolios. He looks at the subjective nature of risk, emphasizing volatility and the importance of diversification. Kittredge highlights a recent trend of pre-retirees being more heavily invested in stocks than in the past, often due to market performance drift and chasing past returns. He advocated for a contrarian approach—increasing stock exposure during market downturns—and stressed that asset allocation should be highly customized to an indi

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Episodes 5

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Why Retirement Risk Management Must Be Personalized

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Episodes 5

Tax Flexibility in Retirement

Social Security Claiming Strategy and Impact of the Social Security Fairness Act

Insurance & Risk Management

What Happens to Your Finances When the Government Shuts Down

Why Retirement Risk Management Must Be Personalized