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Helping You Transform Complexity Into Opportunity

So You Can Live a Rich and Rewarding Life

See How Our Values Align

Personalized Financial Solutions 

For Boston, MA and Beyond

As a fee-only, Boston-based firm, we offer a full range of financial planning and investment advisory solutions for everyone. This includes those within the LGBTQ+ community and their allies, non-traditional couples and families, and those with a passion for making a positive impact on the environment and their community.

At Neiman Associates Financial Services, LLC, we take care of planning your future so you can spend more time doing what you love. By engaging our services, you will benefit from:

Objective Advice Without Product Sales

Actionable Steps To Take Toward Your Life Goals

Financial Peace of Mind

As Featured In

Money Without Matrimony

Our Book

Debra Neiman co-authored the book, Money Without Matrimony: The Unmarried Couple's Guide to Financial Security. The book, published by Dearborn, details the financial planning dos and don'ts for three groups of unmarried couples - young couples who opt not to marry, seniors who choose not to marry due to financial or family reasons, and same-sex couples who cannot legally marry and even those who marry in Massachusetts, but whose marriages are not recognized by the Federal Government.

Money Without Matrimony offers practical advice and real-world examples and is appropriate for the consumer and financial professional alike.

Approachability in a Boutique Setting

We are dedicated to helping you build wealth, knowledge and confidence in your financial success. As a firm, our mission is to enable you to make smarter financial decisions so you can achieve peace of mind and pursue your life dreams.

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Focused on Serving You and Your Unique Planning Needs

Going Above and Beyond To Help You Manage Your Money Wisely

At Neiman & Associates, we pride ourselves on the relationships we develop, grow and continuously nurture with you and your loved ones. 

We believe in taking strategic action and providing a welcoming environment, which allows us to work in your best interest. No matter your stage in life, we can develop a personalized plan for you and your life goals.

We Work Well With...

Women Taking Control of Their Financial Well-Being

LGBTQ+ Individuals, Couples, Families and Their Allies

Unmarried Couples

People Who Care About Aligning Their Investments with Their Values

Can You Relate?

Whether you’re just starting out, encountering a milestone moment, or experiencing financial growth, we can help you further understand the complexities of your wealth. Together, we'll help you remain on track so you can enjoy the moment you’re in.

Discover if We're a Good Fit

Schedule an Appointment

Dedicated to Empowering You
To Make Better Financial Decisions

Our Intrinsic Values Set Us Apart

  • We believe the client/advisor relationship is of utmost importance regardless of how simple or complex your financial situation may seem.
  • We believe it is important to know our clients’ values and priorities, not just the balances of their investment accounts. After all, account values are just dollar signs and digits.  
  • We believe it is the meaning behind the money that drives the planning process.

Providing Actionable Financial Advice Through:

Honesty + Integrity

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We consistently have your best interests in mind, even if that means less money in our pockets. As your financial partner, you can trust that our recommendations are developed to help you move down the path toward meeting your goals.

Refraining From Industry Jargon

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You’re interested in outsourcing the details of your finances to an advisor who thinks outside of the box and can do so clearly. Clients appreciate our approach because we translate complex financial speak into plain English.

Welcoming Environment

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We strive to help clients feel empowered to take on their financial affairs. Our office is meant to be comfortable for any individual and concern, and we regularly welcome your ideas, suggestions and questions.

True Partnership

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As our client, you are our partner. As such, we are always open to and value hearing your input on investment ideas and financial advice. Additionally, we look forward to providing sound advice by getting to know you, your unique goals, problems, resources and opportunities.

Working as a Team That Can Relate to Your Circumstances

We strive to offer great value in our services - whether it’s developing household financial rules or helping clients save money, our primary goal is to provide financial peace of mind. As a team, we’ve been where you are and can apply direct knowledge and understanding to your circumstances. 

Get to Know Us

Get To Know Neiman & Associates Financial Services, LLC

Neiman & Associates works with Fidelity Investments as the primary custodian for client accounts. Having Fidelity as our custodial partner provides us access to a wide range of products and services to best serve our clients. 

As a private company backed by 30+ years of continual innovation, Fidelity invests heavily in technology and advancing its capabilities to help to ensure our business is prepared for the future.

Debra A. Neiman, CFP® Photo

Debra A. Neiman, CFP®

Principal and Founder

Deb is the principal and founder of Neiman & Associates and specializes in investment, retirement and tax planning issues for individuals and families, both traditional and non-traditional. Debra is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and is past President and Chairperson of the Financial Planning Association of Massachusetts. She is on the advisory board of the Workplace Equality Index, a stock index that includes publicly traded companies that support lesbian, gay, bisexual and transgender (LGBT) equality in the workplace. Debra is also a co-founder of PridePlanners, a non-profit organization that provides professional development, networking and resources for financial advisors who serve non-traditional couples and families. In 2019, PridePlanners became part of the Financial Planning Association.

Debra co-authored the book, Money Without Matrimony: The Unmarried Couple's Guide to Financial Security, published by Dearborn. She volunteers as a financial coach for Dana-Farber Cancer Institute, where she helps cancer patients navigate the complex world of how cancer affects one’s finances. Debra has been quoted in numerous publications including The Wall Street Journal, Business Week, Newsweek and Kiplinger's Personal Finance Magazine. Additionally, she has been featured on many personal finance websites, radio programs and television shows, including Forbes.com and National Public Radio.

Debra was an adjunct faculty member at Boston University. She has also taught numerous adult education financial planning courses and employee education seminars for Harvard University. Debra received an MBA in finance from the Simon School of Business at the University of Rochester and a BS in finance from the Jacobs School of Management at the University of Buffalo. Additionally, she received a diploma in financial planning from Boston University. 

Debra lives in the Boston area with her daughter and rescued Pembroke Welsh Corgis. When she is off-duty, Deb pursues her interest in encaustic painting (painting with beeswax). Several of Deb's pieces were featured in the book, EncausticArt, published by Parkstone in 2013. Deb and her daughter love to bike around the Charles and hike and snowshoe with their Corgis.

Fidelity Investments Photo

Fidelity Investments

Dedicated Service Team

Neiman & Associates works with Fidelity Investments as the primary custodian for clients’ accounts. Having Fidelity act as a custodian for client assets provides us access to a wide range of services to best serve our clients. 

Fidelity Investments is a leading provider of investment management, retirement planning, portfolio guidance, brokerage, benefits outsourcing and other financial products and services to institutions, financial intermediaries, and individuals. For more information about Fidelity Investments, visit Fidelity.com.

Fidelity Investments (“Fidelity”) is an independent company unaffiliated with Neiman & Associates Financial Services, LLC ("Neiman").  Fidelity is a service provider to Neiman. There is no form of legal partnership, agency affiliation, or similar relationship between Neiman and Fidelity, nor is such a relationship created or implied by the information herein. Fidelity is a registered service mark of FMR LLC. Fidelity provides clearing, custody, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC, Members NYSE, SIPC. 1114624.1.0

Simplifying the Approach To Achieve Your Life Ambitions

Passionately Structured Solutions Built Within a True Partnership

If you’re feeling as though you can’t commit the time needed to invest properly or you’re uncomfortable discussing your finances, we’ll work with you to approach your circumstances in a holistic, easily digestible manner.

Our goal is to be as efficient and streamlined as possible while maintaining a judgment-free, safe space with a total commitment to your financial well-being.

Services We Offer

One-Time Consultations

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You may be looking for a second opinion on your current financial state, have specific questions that you would like answered, or want to know what you don't know. We offer a limited number of one-time consultations to those who do not need a comprehensive financial plan.

Tax Planning and Preparation

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We view tax preparation and planning as an integral component of holistic financial planning. With over 20 years of experience, not only do we prepare your taxes, but we also may recommend strategies to potentially lower tax liability.

Comprehensive Financial Planning

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Together, we’ll take a holistic approach to your financial picture by discussing:

  • Cash Flow and Debt Management
  • Retirement Planning
  • Income Tax Planning
  • Investment Planning
  • Insurance Planning (Risk Management)
  • Estate Planning

Investment Management

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Our Assets Under Management (AUM) program provides active portfolio management using mutual funds, exchange-traded funds (ETFs) and individual stocks and bonds, if applicable. Portfolios are customized for each client and can be as general as a balanced account or as focused as a socially responsible portfolio - we aim to help you align your values with your investment objectives.

Truly Tailored to Your Needs

It’s our job to help you work through the details of your wealth. Having a clear sense of purpose is critical when it comes to successful financial planning and you are much more likely to succeed when you know where you are heading and why. Regardless of the service you’re seeking, we’ll spend time establishing your goals, together.

Learn About the Cost of Our Services

Ready to Get Started?

Schedule a Discovery Meeting

Guiding You to Live a Rich, Rewarding Life

Whether your goal is as broad as to determine how adequately you’re prepared for retirement or as narrowly focused as funding your child’s education, we’ll begin with a consultation to establish where you are now and how to approach your goals moving forward.

Our Planning Process

Step 1:

Schedule Time on Our Calendar

View First Steps

We’ll start with a 30-minute introductory call to help decide if we’re a good fit for one another. We’ll discuss your areas of financial concern and what we can do to help alleviate any concerns you may have.

Step 2:

Questionnaire & Data Gathering

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Following our conversation, we’ll send a confidential questionnaire along with a checklist of documents for you to gather. We ask that you send the completed questionnaire to us a week prior to our first meeting so that we can properly review it and request more information, if necessary.

Step 3:

Discovery Meeting

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During our meeting, we’ll review your current financial situation, address good decisions you’ve made thus far, as well as any potential red flags that could hinder your ability to reach your goals. We will also discuss various alternatives available to you along with the pros and cons of each.

Step 4:


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We’ll then organize an itemized action list with targeted details that address your financial goals, needs and interests. You’ll also receive reference materials that cover many of the items discussed in our meeting. Should you have any questions we’ll take this time to cover anything we may have missed.

Continued Education & Conversations

Our onboarding process is designed to gain an initial understanding of how our services may work for you. If you’re interested in learning more about investment implementation, we’ll schedule a complimentary follow-up meeting in which we will present an investment proposal.

Connect With Us to Get Started

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Proudly Serving Boston, MA 

And Beyond

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Please provide a few pieces of information and we will reach out to schedule a call or virtual coffee. We’re excited to get to know you.