David Linnard (BS, BSEE, CFP®, MBA)

David Linnard focuses in the
following client markets or areas of practice:

  • Investment Advice with Ongoing Management
  • Retirement Plan Investment Advice
  • Retirement Planning & Distribution Rules

Planning Specialties

We help people make the transition from the asset accumulation phase of life to retirement, as well as helping those already in retirement structure and manage their finances.


We help clients collect, organize, and make sense out of their assets, while providing a vision of their financial future and, where helpful, creating a structure that will make management easier. We focus on increasing the probability of achieving retirement goals by applying our unique investment risk management approach.


Before retirement, we help people answer the questions, "When can I retire? Given my savings and my lifestyle, will I have enough money?" After retirement, we help clients manage their income and retirement distributions for tax-efficiency, help them manage their investment assets, and identify safe spending levels to assure their financial longevity and the acheivement of their desired legacy.


The goal of our MarketAware(sm) approach is to manage risk better for all our investment clients. Successful asset management in retirement is different and more complicated than during the accumulation period of life for many people. A focus must be on risk, because options to recoup losses are more limited in retirement, and income withdrawals tend to increase the risk of permanent loss. But at the same time, providing ongoing growth of income is a priority as well as achieving possible longer-term legacy goals. All of these conflicting goals must be addressed and managed simultaneously within the constraints of available resources.


We help clients create a financial structure that can address these multiple needs, as well as provide on-going asset investment management to implement their plans.

Additional Information

David Linnard has provided fee-only financial planning services from Boxborough, MA since 2002. He is a NAPFA-Registered Financial Advisor, and a CERTIFIED FINANCIAL PLANNER(TM) professional. He received an MBA degree, with Honors, concentrating in finance, from Boston University and a BS degree from Cornell University. He was elected to Beta Gamma Sigma, the international honor society recognizing business excellence.


David has been an active investor and a student of the financial markets since 1969, He has developed models of asset class performance, risk and the effects of cyclical forces on investment values. Based on this work, he developed the MarketAware(SM) investment approach, which is designed to reduce market risk by proactively managing asset allocation. He has been managing portfolios since 1992.


Additionally, David was a member of the Board of Directors of The Discovery Museums, an Acton MA educational organization for six years and its Treasurer for five.

NAPFA Start Date

February 06, 2006


This Office

46 Chester Rd Boxborough, MA 01719-1808 Phone: (978) 266-2958