Testa Associates, LLC is an independent financial services firm based in Natick, Massachusetts, serving individuals and small businesses. Led by Certified Financial Planner Richard J. Testa Jr., the firm emphasizes personalized advice, long-term relationships, and acting in clients’ best interests. Its process begins with conversations about a client’s finances, retirement plans, concerns, and priorities. The firm then discusses investment strategies and develops a financial plan tailored to the client, with regular reviews to keep it aligned with changing needs.

For individuals, Testa Associates provides comprehensive financial planning and may incorporate mutual funds, stocks, bonds, insurance and annuity products, IRAs, Keogh plans, and 529 plans. For small businesses, it helps establish retirement plans, including 401(k) plans and SEP IRAs, and can assist with Rule 144/145 sales. The firm is licensed to offer a variety of insurance, annuity, and education savings plans. Testa Associates works with Cambridge Investment Research and uses Fidelity’s WealthscapeAdvisor platform, as well as Charles Schwab for certain clients. Initial meetings are offered at no charge.