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Dylan Grocer, CFP®
Dylan Grocer, CFP®
The Bulfinch Group Financial Planner | Managing Associate

CERTIFIED FINANCIAL PLANNER™ | Empowering Professionals for Financial Success 

I am a Financial Advisor and Managing Associate, I head up our Pre-Career Training Program (internship) while contributing to business development and marketing initiatives with our new advisors. 

With a wealth of experience, I am committed to assisting seasoned sales professionals, CPAs, attorneys, engineers, and small business owners in achieving financial success and flexibility.

For sales professionals, let's elevate earnings, manage investment risk, and strategically minimize taxes, crafting a tailored financial roadmap aligned with your ambitions. For professionals such as CPAs, attorneys, and engineers, together, we navigate complex financial landscapes, optimize tax strategies, and build a secure financial future.

Beyond finance, my interests include travel, skiing, golfing, fishing, and sailing. I'm eager to connect with individuals who share these passions, are navigating pivotal life events, and are committed to achieving financial freedom.

Offering comprehensive financial planning services, including investments, retirement, estate transfer, education planning, cash flow optimization, insurance, and risk management. 

Creating financial wellness with what you’ve got right now

Money Read Time: 3 min

If 2020 shook your financial confidence, you’re not alone. Perhaps you or a loved one faced a career setback in the economic crisis. Maybe you or a family member got sick and ran up debt during the illness. Whatever challenges you faced or are facing in the aftermath, there are things you can do right now to get back on track.

Setbacks happen

Keep in mind, as difficult as things are, this isn’t the first-time people have experienced financial shocks. One survey found that about 75 percent of respondents have experienced “a major financial setback” at some point in their lives before the pandemic. Many of them reported that it took three to five years to fully recover, but they did it. Some even came back stronger than before.1

Gig work is growing

As COVID-19 begins to move from a pandemic to an endemic disease in the US, the work world still remains unsettled for now with future economic uncertainties. With a little creativity you can find a silver lining in the clouds. If you find that new, full-time employment in your field is hard to come by, consider gig work. Many companies have been hiring gig workers as a cost-saving measure.2 Flexible gig work can be a good solution for anyone who needs (or wants) to spend more time at home since the pandemic and is looking for more flexible work, especially if childcare is also eating up hours.

Work your savings muscle

One small upside of spending more time at home: it’s easy to cut back on frivolous spending. For example, just by replacing a couple of takeout meals each week with home cooking can easily save upwards of $1,000 per year.3 Combine that with money you can save by cutting corners in other areas — like working out at home with online fitness videos instead of paying for an expensive gym membership that you rarely use — and you might be surprised by how much you can save. The important thing is to keep putting something into your savings account. Don’t worry about the dollar amount — just maintain the commitment to your financial future by building savings.

Fortify your future

After a financial setback, it’s tempting to want to “fix it” as soon as possible. But a smarter course is to think about protection first. Get a safety net in place to secure your financial life from another potential crisis. For example, consider getting disability insurance. It can provide income in the event you or someone you love has another period of unemployment — from job loss or illness. Life insurance can add another layer of protection for your loved ones, and whole life insurance can even help diversify your investment portfolio. With the right mix of insurance, you can help protect yourself and your loved ones from the unexpected.

Bring in Support

These actions may sound simple, but they aren’t always easy. The insights of the Serenity Prayer have a place here: To recover from a financial setback, you need to accept the things you can’t change, the courage to change what you can, and the wisdom to know the difference.

Who better to offer that wisdom than a financial professional? If you already work with one, now is the time to reconnect. They can help you tell the “can” from the “can’t.” If you have never met with a financial representative, they can help you define the best path to financial confidence, regardless of where it begins.



2 9 Future of Work Trends Post-COVID-19, Gartner, June 8, 2020 

3Assuming average takeout cost of $15 per serving vs. cooking at $5 per serving. At two meals replaced per week, this nets $1,040 in savings per year. 


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2023-149018 Exp. 1/2025

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