Wealth Management Services

Testimonial

“The restaurant business is fast-paced and requires that I wear a lot of hats. I love working with The Dowd Agencies because they sweat the details, so I don’t have to. They are very diligent, and I trust that they have our best interests at heart.”

Steve Hurwitz | Franchise Owner
Uno Restaurants

Testimonial

“Doing business with The Dowd Agencies is a pleasure. I have confidence in all aspects of our insurance: coverage; management; and most importantly, cost. Eastern States Exposition receives timely responses, great advice and individualized attention. The Dowd Agencies has made my job demonstrably easier.”

Eugene Cassidy | President and Chief Executive Officer
Eastern States Exhibition

Testimonial

“The Dowd Agencies excels at customer service, and really understands the specific insurance regulations and challenges facing local businesses in Massachusetts. They work with us to ensure we have the exact coverage we need, so we can focus our attention on our day-to-day operations.”

Dino Gravanis | General Manager
Springfield Country Club

Testimonial

“Hannoush Jewelers has been a family-owned business since opening our first store in 1980. When it comes to our core values of integrity, respect, professional conduct and customer commitment, Dowd not only understands them but exemplifies them. We are proud to partner with Dowd for all our insurance needs.”

Michael Hannoush | CFO
Hannoush Jewelers of Connecticut

Testimonial

“Excel Dryer prides itself on being a family-run company that manufactures its complete line of products here in the U.S., and Dowd has a unique understanding of our needs. The spectrum of coverage options and top-rated providers from Dowd provides us with security, no matter the venture we pursue. When evaluating our insurance options, we quickly realized that Dowd’s proud heritage mirrored our values at Excel, which has led to a strong and successful relationship.”

Denis Gagnon | President
Excel Dryer

Testimonial

“Partnering with Dowd Insurance was a win-win for us. With convenient locations all over western Massachusetts, Dowd can service our needs at any time.”

Dave Fontaine | President
Fontaine Bros., Inc

Testimonial

“Dowd Insurance has handled our bonding and insurance needs for over 15 years and they are extremely service oriented. In the construction business, this is not only an important part of our business requirements, but one that offers much needed peace of mind.”

Jerry Gagliarducci | Owner
Gagliarducci Construction, Inc., Indian Orchard, MA

Testimonial

“My overall experience with Dowd Insurance has been excellent. They have been very knowledgeable, communicative, and easy to deal with. One specific experience I had working with Cindy was when I got in a car accident. Cindy was able to save me several thousand dollars by asking me detailed questions regarding the accident resulting in a huge savings on my yearly payment. Can’t thank her enough!”

PJ Mondani | Chain Sales Executive
Commonwealth Wine & Spirits Boston, MA

Testimonial

“I have always used Geico in the past because I assumed they had the best deals. When I moved to Massachusetts a friend suggested I check out Dowd and I’m glad I did! Kim made sure I had everything I needed to go to registry, as well as stamping my RV1, out of state tax form, and assisted me on cancelling my old plates and policy. They have a very friendly and knowledgeable staff”

Drew London | Assistant Golf Professional
The Country Club, Brookline MA

Testimonial

"The Dowd Insurance experience is unmatched. For me, it goes beyond the exceptional portfolio of products they sell, and it becomes a more personal engagement from top to bottom. My representative, Cynthia, is my trusted advisor for all things insurance. At Dowd it’s all about trust, the customer experience, and building a long-term partnership with their clients. The other guys make a 15-minute promise, and that's all you get."

Matthew Geary | HCM Consulting Sales Manager
Oracle Consulting

Wealth management goes beyond investment advice, it integrates all parts of finances, and offers a holistic approach for businesses, municipalities and individuals. Our Dowd Wealth Management services cover every aspect of your corporate or personal assets to reduce risk and protect financials.

Business Wealth Management

As your business continues to grow, Dowd Wealth Management has the expertise to help you plan for changes and provide quality solutions. Our core services include:

401(k) Plans & NQ Deferred Compensation: The standard retirement plan option for businesses. Incorporating a retirement plan allows your employees to help secure their financial future, and may qualify your business for tax benefits, while increasing employee satisfaction and retention.
SIMPLE IRA and SEP IRA: Discover if a SIMPLE IRA or a SEP IRA is right for your company’s retirement wealth management These tax-deferred retirement plans offer desirable benefits for a growing company.
Corporate Portfolio Services: By analyzing the products and services you’re offering; we can help in creating a unique and improved portfolio to increase your business valuation.
High Net Worth Risk Services: Protect and retain your top executives and minimize their risk exposure with customized life insurance, long-term care insurance, disability insurance and more.
Executive Benefits & Company Coverage: From succession plans to corporate buy and sell agreements to key person coverage, we can help you protect your business and your top employees.

Municipal Wealth Management

As one of the most trusted wealth management companies, Dowd also provides a personal level of service for state institutions, municipalities and other public agencies. We can expertly address the intricate issues for:

Public Utilities: We work with both municipal treasurers and utility managers to stabilize and oversee the success of the provided utility and ensure that money is put toward appropriate upgrades and salaries.
Municipal Investment Funds: Our advisors can assist municipalities with the creation and management of stabilization funds, cemetery endowments, trust funds and more.
Retirement Systems: Establish a tax-advantaged retirement plan for public employees in municipal governments or public organizations.
403(b) & 457 Plans: Discover your options for a 403(b) or 457 savings plan for employees of public education organizations, nonprofit employers or government organizations.
OBRA Funds: Create a system for your part-time, seasonal and temporary municipal employees to participate in a deferred compensation plan.

Individual Wealth Management

What is private wealth management? These services involve the management of assets for high-net-worth (HNW) individuals. We create a close working relationship with each and every one of our HNW clients to build a portfolio and meet their individual needs and personal goals.

Rollovers: We’ll take a close look at your retirement assets to determine how engaging in a rollover from a savings plan to an Individual Retirement Account (IRA) can benefit you.
Personal Investment Funds: Improve your investment strategy and optimize your finances. We will work alongside you as an investment partner to achieve your goals for your personal investment fund.
Individual HNW Risk Services & Estate Planning: Offset your risk, protect your assets and guarantee wealth preservation with private wealth insurance services including customized life, long-term care, disability coverage and estate planning.
Special Needs Family Planning: Dowd realizes that special needs family planning is a lifelong journey that requires extensive preparation. Our experts can offer you compassionate and complete care to ensure your loved one is taken care of in any potential situation.

Business Wealth Management

Municipal Wealth Management

Individual Wealth Management

Think about the things in your life that are most important to you. Let us help you ensure they are protected.