Financial Planning for Enosburg Falls, VT

Independent wealth management rooted in Franklin County — serving the families, farmers, and small business owners who call Enosburg Falls home.

A Local Advisor Who Knows Franklin County

Financial Services We Bring to Enosburg Falls Families

Enosburg Falls sits at the heart of Franklin County, and the families here have a lot in common: deep roots, a practical outlook on money, and a preference for working with people they actually know. That's the kind of relationship we've built at Bennett Wealth Management — not a call center, not a national franchise, but a local team that has been part of this community for years.

 

We serve clients throughout the Enosburg Falls area as an independent financial advisor, which means we're not limited to any single bank's or broker's product shelf. We search broadly for the strategies and solutions that fit your situation — not the ones that fit a quota.

 

Whether you're a decade out from retirement, already in it, or just starting to think seriously about building wealth, we offer the full range of planning services Franklin County families need — all under one roof.

 

  • Retirement Planning — Social Security timing, IRA and Roth IRA strategies, and income planning designed to last as long as you need it
  • Wealth Management — Cash flow analysis, tax-aware planning, and goal-based strategies that move with your life
  • Investment Planning — Mutual funds, bonds, common stock, brokerage accounts, and donor-advised funds, selected without proprietary bias
  • 401(k) & Employee Benefits — Plan design, profit sharing, and executive benefit strategies for local employers and business owners
  • Insurance Planning — Life, long-term care, disability income, and health coverage reviewed as part of your overall financial picture
  • Estate Planning & Trusts — Dynasty, special needs, charitable, and asset protection trusts, coordinated alongside your broader plan

 

If your needs span more than one of these areas — and they usually do — we work across all of them together, so nothing falls through the cracks between advisors.

Why Enosburg Falls Residents Choose an Independent Advisor

The financial services industry is full of advisors who are really salespeople operating under a different title. At Bennett Wealth Management, our independence is the foundation of how we work. We're not employed by a bank. We're not incentivized to push a particular product line. Our relationship is with you.

 

Kerri Irick Churchill, ChFC®, leads our team and has guided Franklin County clients through retirement transitions, family wealth conversations, and the kind of planning decisions that don't come with easy answers. The ChFC® designation reflects advanced training in financial planning — including income distribution, estate planning, and the tax strategies that matter most to pre-retirees and retirees.

 

Our securities are offered through Cambridge Investment Research, Inc. (FINRA/SIPC), and advisory services through Cambridge Investment Research Advisors, Inc. That structure gives our clients access to a wide range of investment options and the regulatory oversight that comes with a well-established broker-dealer relationship.

Retirement Planning Built for Franklin County Life

Retirement planning for Enosburg Falls families often looks different than it does in larger metro areas. Many of our clients have worked in agriculture, manufacturing, education, or local government — careers that come with specific pension structures, benefit timelines, and Social Security considerations that require careful coordination.

 

We help clients in and around Enosburg Falls think through questions like:

 

  • When does it make sense to claim Social Security — and what does waiting actually cost or gain?
  • How should IRA and Roth accounts be sequenced to reduce lifetime tax exposure?
  • What role does long-term care insurance play in protecting a retirement income plan?
  • How do we bring the next generation into the conversation without creating conflict or confusion?

 

These aren't hypothetical questions for us. They're the conversations we have with Franklin County families every week.

Common Questions from Enosburg Falls Residents

  • Do I need a certain amount of money saved before working with a financial advisor?

    No minimum asset threshold is required to work with us. We work with clients at different stages of wealth-building, from those just beginning to invest to those managing significant retirement assets. The right time to start working with a financial planner is when you're ready to be more intentional about your financial future — not after you've already figured it out on your own.

  • What does "independent financial advisor" mean, and why does it matter?

    An independent advisor isn't employed by a bank or tied to a proprietary product shelf. That means we can recommend strategies and solutions from a wide range of options rather than being limited to what one institution offers. For clients in Enosburg Falls and across Franklin County, that independence translates to advice that's shaped by your needs rather than our affiliations.

  • Can you help me figure out when to retire and whether I'm financially ready?

    That's one of the most common conversations we have. We walk through your income sources, projected expenses, Social Security timing, healthcare costs, and investment accounts to give you a clear picture of where you stand — and what adjustments, if any, would strengthen your position before you stop working.

  • Do you serve clients outside of St. Albans, including towns like Enosburg Falls?

    Yes. While our office is based in St. Albans, we serve clients throughout Franklin County and beyond, including Enosburg Falls, Swanton, Fairfax, and surrounding communities. Many of our client relationships started with a referral from a neighbor or family member, and we're comfortable meeting in person or by phone depending on what works best for you.

  • What's the first step to working with Bennett Wealth Management?

    The first step is a complimentary consultation — a no-pressure conversation where we learn about your situation, answer your questions, and help you decide whether we're the right fit. You can reach us by phone or through the contact form on our website to get started.