SERVICES
David Keefe offers retirement, long-term care, elder care, life insurance, estate, and charitable giving planning in Waltham and Greater Boston.
Financial Planning Services - David Keefe, ChFC, CLU
Comprehensive Guidance for Individuals, Families, and Business Owners in Greater Boston
David Keefe has spent more than 32 years helping clients in Waltham, Newton, Watertown, and across Greater Boston evaluate financial decisions with structure and care. Through 4-Point Financial, LLC, and his long-tenured role as a Financial Advisor with New York Life Insurance Company, he provides planning guidance grounded in advanced credentials and long-term professional experience.
Areas of Practice
Retirement Planning
Retirement planning requires coordination across income needs, savings, tax exposure, insurance considerations, healthcare costs, and long-term sustainability. David Keefe works with clients to develop retirement planning strategies that reflect their circumstances, goals, and timelines.
Long-Term Care Planning
Long-term care planning is one of the most underaddressed areas of personal financial planning. David Keefe has taught long-term care planning through Newton Adult Community Education and has served as a faculty member and speaker for MCLE on elder care financial planning topics.
His background in this area helps families consider potential care needs, future costs, insurance options, and the financial impact that long-term care decisions can have on spouses, adult children, and family assets.
Elder Care Financial Planning
Elder care financial planning often involves multiple generations. Adult children may be helping aging parents evaluate care options, insurance coverage, income needs, and estate-related questions. David Keefe brings subject-matter experience to these conversations through his work in elder care financial planning education and long-term care planning.
Life Insurance and Risk Management
David Keefe holds the Chartered Life Underwriter designation from The American College of Financial Services. His work in life insurance and risk management places coverage decisions within the broader context of financial planning, family protection, estate considerations, and long-term goals.
Estate Planning Coordination
David Keefe has served on the Board of Directors of the Boston Estate Planning Council, reflecting his connection to the estate planning community in Greater Boston. His work in this area supports coordination between financial assets, insurance structures, beneficiary planning, charitable giving goals, and broader estate objectives.
Charitable Giving Strategies
David Keefe has spoken at the Appalachian Mountain Club Annual Summit on charitable giving strategies. This area of planning connects financial decision-making with personal values, family priorities, and long-term community support.
Business Owner Planning
As owner and principal of 4-Point Financial, LLC, David Keefe understands the planning needs of business owners as both an advisor and a practice leader. His work can include insurance planning, retirement considerations, continuity planning, and financial strategy for closely held businesses.
Financial Advisor Mentorship
David Keefe has mentored financial advisors for more than 20 years. His experience coaching selected advisors informs the way he thinks about practice building, professional relationships, planning discipline, and long-term service.
David Keefe is licensed in Massachusetts and authorized to conduct business in more than 20 states. Individuals, families, and business owners seeking financial planning guidance in Waltham, Newton, Watertown, or the Greater Boston area can connect with 4-Point Financial, LLC to learn more about available services.