New Hampshire

From the Seacoast to the White Mountains, families across New Hampshire turn to Spicer Financial Group for clear, practical financial guidance. Whether you’re building a future in Manchester, settling down in Concord, or enjoying the quiet beauty of Portsmouth or Nashua, we’re here to help you protect what matters most and plan confidently for the years ahead.

Serving these areas, and more:

  • Manchester / Bedford / Merrimack

  • Nashua / Hudson / Southern NH

  • Portsmouth / Seacoast Region

  • Dover / Rochester / Somersworth

  • Keene / Southwestern NH

  • Concord / Bow

  • Laconia / Lakes Region

  • Lebanon / Hanover / Upper Valley

  • North Conway / White Mountains

 New Hampshire Life & Financial Planning FAQs

Life Insurance in New Hampshire

  • Employer coverage is a great start, but it’s often not enough to protect your family’s full financial picture. Your own policy gives you more control. You choose how much coverage you need, and it stays with you even if you change jobs.

  • Many New Hampshire families choose enough to replace several years of income, pay off the mortgage, and cover future needs like college or retirement. We’ll help you find the right balance for your goals.

  • New Hampshire offers a minimum 10-day “free look” period, giving you time to review and cancel a new policy for a full refund. Insurance companies are also required to handle claims promptly and communicate clearly about policy benefits and timelines.

Retirement Planning in New Hampshire

  • Most New Hampshire residents use a mix of 401(k)s, IRAs, and annuities. One key advantage: the state does not tax Social Security benefits or income from pensions, which can make retirement income planning a little easier.

  • The sooner, the better, but it’s never too late! Even if you’re nearing retirement, we can help you make the most of what you’ve saved and create a steady income plan that supports your lifestyle.

  • Absolutely! We’ll help you evaluate your savings, income sources, and goals to design a strategy that lets you retire when and how you want.

Mortgage Protection in New Hampshire

  • It’s a life insurance policy designed to pay off your mortgage if something happens to you, helping your family stay in the home they love without added financial stress.

  • It’s completely optional. But for many homeowners, it’s a smart way to protect their biggest investment and ensure their loved ones are secure.

  • Yes! We’ll help you update your policy so it always matches your current mortgage balance and terms.

College Funding Strategies in New Hampshire

  • The UNIQUE College Investing Plan is the state’s 529 plan. It offers tax advantages for saving toward education costs. You can also explore other strategies like custodial accounts or cash-value life insurance. We’ll help you find the best fit for your family.

  • Yes! Grandparents, aunts, uncles, and friends can all contribute. It’s an easy way for family to help invest in your child’s education.

  • You can transfer the 529 funds to another family member or use them for trade school, graduate school, or certain apprenticeship programs. It’s flexible enough to grow with your child’s goals.

Estate & Legacy Planning in New Hampshire

  • Estate planning ensures your assets are protected and distributed according to your wishes. Legacy planning goes a step further — it’s about how you want to be remembered, through family support, charitable giving, or long-term financial impact.

  • Yes. Without one, the state decides who gets your assets. Having a will or trust gives your loved ones clarity and helps avoid delays or legal complications.

  • Life insurance provides immediate funds to cover taxes, debts, or final expenses, so your family doesn’t have to sell property or dip into savings during a difficult time.

  • Not at all! Every New Hampshire family benefits from a plan that protects their home, savings, and legacy.

Debt Protection in New Hampshire

  • Debt protection helps pay off credit cards, car loans, or other debts if you pass away or become disabled, protecting your family from unexpected financial burdens.

  • Not exactly. Life insurance provides broad coverage, while debt protection focuses on specific loans. Using both can give you complete peace of mind.

  • Anyone managing multiple loans or shared finances, especially single-income households or families with co-signed debt.

  • No. It’s optional, but it’s a smart addition for anyone who wants to make sure debt doesn’t become a family burden.

Income Protection in New Hampshire

  • It replaces part of your paycheck if you can’t work due to illness or injury, helping you keep up with bills and daily expenses while you recover.

  • Some do, but it’s often short-term or covers only part of your income. A private policy ensures you’re fully protected and your finances stay on track.

  • It depends on your plan. Some provide coverage for a few years, while others last until retirement. We’ll help you select the right one for your needs.

  • Usually not. Costs vary by job, health, and coverage level, but most families find it’s affordable, and well worth the financial security it brings.