Financial planner in North Attleborough, MA (show on map)
5.0
★★★★★
5 reviews
Fee-only fiduciary wealth management firm serving Rhode Island and Massachusetts with personalized retirement planning and institutional-grade investment management.
Constant Guidance Financial is a fee-only fiduciary wealth management firm based in Attleboro Falls, Massachusetts, serving clients throughout Rhode Island and Massachusetts. Founded by Mitch Zides, CFA, CFP®, the firm specializes in comprehensive financial planning, retirement income design, tax-smart strategies, and active income generation through covered calls.
With a focus on disciplined portfolio management, risk resilience, and a fiduciary standard, the firm aims to align clients' financial goals with transparent, unbiased advice. Mitch Zides, a dual-certified professional with extensive institutional experience, leads the team, ensuring personalized attention and a proactive approach to wealth preservation and growth.
Fee-Only Fiduciary Standard
Active Portfolio Management
Tax-Smart Strategies
Covered Call Income Strategy
Direct Treasury Cash Management
Services
Personal Wealth Management
Acts as your personal CFO, coordinating every aspect of your wealth to ensure your money funds the life you want to live.
Unified approach to investments, taxes, and risksPersonalized retirement planningInstitutional-grade investment management
Retirement Income Design
Design sustainable withdrawal strategies to maximize safe income while minimizing taxes.
Tax-efficient withdrawal strategiesRoth conversions during low-income yearsTax loss harvesting
Tax-Smart Planning
Focus on long-term tax reduction through strategies like Roth conversions and asset location.
Roth conversion analysisAsset location optimizationTax loss harvesting
Risk Management & Preservation
Analyze insurance needs and build defensive strategies to protect capital from market volatility and unforeseen events.
While we do offer standalone planning packages (starting at $1,500), we generally work with clients who engage us to manage their portfolios. A plan is only as good as its execution; managing the assets ensures tax strategies, income needs, and risk controls are implemented and protected over the long term.
Who will be making the decisions for my portfolio? +
You will work directly with Mitch Zides, a dual-certified CFA® and CFP® professional who personally oversees the strategy, trading, and risk management of your assets.
What is your investment philosophy? +
Mitch believes in a blended approach that combines low-cost passive investing with active value investing. The portfolio uses low-cost ETFs for a core foundation and actively seeks undervalued opportunities to generate higher returns while maintaining strict risk management.
How do you help clients who are retiring? +
Mitch engineers retirement paychecks through active tax-efficient withdrawal strategies, determining optimal account withdrawals (Traditional, Roth, Brokerage) to minimize taxes, executing Roth conversions during low-income years, and harvesting tax losses to offset gains, aiming to extend portfolio longevity.
What is the difference between fee-only and commission-based advisors? +
Fee-only advisors are compensated solely by their clients (typically a percentage of assets under management) and are legally required to act as fiduciaries, putting clients' interests first. Commission-based advisors earn money from product sales, which can create conflicts of interest.
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