Chart Your Course - Set Sail Today!

Navigating your financial ship to help you stay on course
and avoid the hazards along the way.

At Blue Point Financial we strive to help a finite number of successful individuals and families build, protect, preserve, harvest and distribute the results of their life’s work. We do this pursuant to our unique investment philosophy, carried out in the context of a comprehensive financial plan.

What CAN a comprehensive financial plan do for a family?

  • If a breadwinner dies prematurely or becomes disabled, the family’s standard of living may not be critically compromised.
  • The children of the family may be able to pay for the quality education for which they are suited.
  • The current generation of the family may be able to retire on its own terms.
  • The current generation may never become a financial burden to its children, even if extended nursing home stays are required.
  • Even as retirement income rises to offset rising living costs, this generation’s capital has the potential to continue to grow over time, leaving behind meaningful legacies to the succeeding generations.
  • Estate taxation won’t force the sale of a family’s important assets (home, business, etc.). This obligation can be funded out of residual capital and/or it can be insured.

Although each family is responsible for their own financial success, a carefully crafted financial plan along with guidance from a competent, objective and diligent financial planner can help take away much of the anxiety involved.

Our Financial Planning Process

  • Discovery
  • Designing a Financial Plan
  • Recommendations
  • Implementation
  • Progress Review
Discovery

Where are you starting from?  What would you do if you could?

We start by simply collecting the baseline data.  This will give us a clear and shared understanding of where you are starting from.  Next we begin to define specific goals for the future.

Designing the Financial Plan

Can we get there from here?

This analysis may include many factors but usually focuses on answering a few primary questions.  When and how do you want to retire?  Who do you want to educate?  What’s your attitude about legacies?

Recommendations

The Foundation and Framework of the Financial Plan

Based upon the discovery meeting we go over what we think things will cost and when.  We will determine if there’s a gap between where you are and where you want to be.  If there is a gap we will figure out if you have enough time and resources to close it.

Implementation

Turning Ideas into Action

At this point we make the mutual decision to commit to working with each other.  We will execute the documents necessary to put your plan in motion, often including the technical support of attorneys and CPAs. Implementation of a financial plan may include the opening or changing of various financial accounts. Some of the products and services we offer include: investments, brokerage accounts, insurance and annuities.

Progress Review

Are we still on course?

These meetings provide us an opportunity to identify changes in your situation, at least annually.  As prudent as it is to keep on top of changes, we must also resist the temptation to tinker with the plan over time, just for the sake of changing it.

Striving for a successful outcome through a comprehensive financial approach.

  • Timothy A. O'Halloran

    In early 1992 Tim joined the Maine Agency of National Life Insurance Company in Portland, Maine and began his career helping individuals, families and small business owners plan for financial independence. Several years later he formed Blue Point Financial to develop strategic processes to aid in financial decision making and to expand his staff and available resources.

    Tim was born and raised in Waterville, Maine and is a graduate of Waterville High School. Also, he is a graduate of the University of Southern Maine with a Bachelor of Science degree in Business Administration. Prior to attending USM Tim began his collegiate studies at the University of Maine at Orono. Additionally, it was through The American College that Tim completed the educational component to earn his status as a CERTIFIED FINANCIAL PLANNER™ professional in 2000. Tim is a Life Member of National Life Group President’s Club and Premier Producers Group and Equity Services, Inc. Circle of Excellence. He is a member of the National Association of Insurance and Financial Advisors (NAIFA), The Financial Planning Association, and the Society of Financial Planning Professionals.

    Today, Tim and his wife, Judi, reside in Scarborough, Maine and have three beautiful daughters, two of whom are busy starting their own families. Tim is an active member and past president of the Scarborough Kiwanis Club and is involved with other civic endeavors. He enjoys spending time with family and friends and all things outdoors including golf, hiking, skiing and fishing.

     

    Timothy O'Halloran is a Registered Representative and Investment Adviser Representative of Equity Services, Inc, and offers securities in ME, NH, MA, PA, VT, RI, NJ, FL, SD & WA. Tim is insurance-licensed in Maine. Membership in President's Club, Premier Producer's Group and Circle of Excellence are based on sales results.

  • Justin T. Beauregard

    Justin joined Blue Point Financial in 2009 after completing his undergraduate degree in Business Administration from the University of Southern Maine.  Prior to attending USM Justin began his studies at the University of Colorado at Boulder.  Justin grew up in Falmouth, Maine and spent much of his time outside of school working for his family’s heavy equipment dealership.  It was there that he gained an appreciation for the entrepreneurs that he enjoys working with today.  Today Justin lives back in Falmouth with his wife Morgan and chocolate lab, Milly.  In his spare time he enjoys golfing and exploring the waters of Casco Bay.

    Justin has had a successful start to his career, earning several awards.  He qualified for National Life’s President’s Club each year from 2010 to 2013.  He was the 2011 Lives Leader for the National Life Insurance Company’s 2nd Year Agents.  In 2012 he was named the Northern New England Agency’s Ethan Allen Associate of the Year, an award given to the top producing associate having been in business five years or less.  In 2011 and 2012 he was also recognized as one of the overall top three associates in the Northern New England Agency.

     

     

    Justin Beauregard is a Registered Representative and Investment Adviser Representative of Equity Services, Inc. and offers securities in ME, NY & TX. Justin is insurance-licensed in ME & NH. Membership in President's Club and other awards are based on sales results.

  • Morgan A. Beauregard

    Morgan grew up in Scarborough and joined the Blue Point Financial team in 2008 after attending The University of New Hampshire. In the office, she works closely with Tim and Justin to manage the day to day office operations, business work flow, marketing and events and client services. 

    Morgan is very involved in the greater Portland community through her work as a member of the Junior League of Portland. She has served on the Board of Directors as Vice President of Fund Development, she has been the Chair of the Annual Event Committee and currently she is serving as a committee member on the New Member Committee, training and mentoring women that are new to the league. Through the Junior League she had the wonderful opportunity of attending the Association of Junior League International’s leadership conference, Organizational Development Institute. She attributes much of her leadership capabilities to the training she has received from the Junior League.

    Morgan resides with her husband, Justin, and their lovable chocolate lab, Milly, in Falmouth. In addition to volunteer work Morgan is passionate about home decorating, fashion and traveling.

  • Timothy A. O'Halloran
  • Justin T. Beauregard
  • Morgan A. Beauregard

Are you ready to chart your course? Contact us for cup of coffee and a second opinion today.

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