At Worcester Advisors we advocate that investing must start with a blueprint. Our method emphasizes establishing a flexible investment strategy that evolves throughout your life to provide for your financial well-being. Investors face complicated decisions upon which their financial security is dependant. Estate and retirement planning, regulatory issues and tax requirements are just a few of the crucial considerations before you invest.

We prepare comprehensive recommendations and analysis to help you understand and collaborate with our investment guidance. Our process is multifaceted, commencing with a written policy statement, augmented by weekly investment commentary updates, monthly portfolio statement updates, internal review of portfolios, and regular meetings to assess results.

Investments:
We follow fundamental disciplines when structuring portfolios, which mitigate several risk factors through rigorous quality screens and a variety of diversification processes including, but not limited to index weighting and sector diversification. In bond portfolios, balancing maturities to benchmarks and quality screens help to reduce risk.

Since the firm’s inception in 1994, we have been advising clients to anticipate and provide for their financial needs by constructing portfolios designed to provide growth and income while considering safety of principal. We believe our high rate of client referral and retention attests to the validity of our approach. More than 80% of current assets are held in accounts that have been with our firm for greater than ten years, or were referred by or inherited from those same relationships.

Retirement Planning:
We're certain that the Baby Boomer generation will take a different approach to retirement, as Boomers have throughout their lives. Retirement will be active, exciting and demanding upon financial resources. Planners today are throwing out the old assumptions about financial needs and life expectations. Email us for our take on you financial plans: dfrazier@worcesteradvisors.com

Staff:

David M. Frazier	David J. Hall	Janet L. Bousquet

Our staff possesses decades of professional investment experience including analysis of investments, portfolio structuring, tax preparation, family wealth preservation and retirement planning. To complement our investment decisions, we draw upon the resources of much larger wealth management companies for security analysis and economic forecasting. This enables our firm, a local Investment Advisor, to offer a competitive array of services.

David M. Frazier, CTFA, has over three decades of trust and investment experience. He was a co founder of the company in 1994.

David J. Hall, has four decades of investment experience. He is the director of investments.

Janet L. Bousquet, Assistant Vice President, has 25 years of financial experience. She is responsible for client services.

Contact us to learn if our approach is suitable for your own investment needs. dfrazier@worcesteradvisors.com.