403(b) & 457 Plan

Testimonial

“The restaurant business is fast-paced and requires that I wear a lot of hats. I love working with The Dowd Agencies because they sweat the details, so I don’t have to. They are very diligent, and I trust that they have our best interests at heart.”

Steve Hurwitz | Franchise Owner
Uno Restaurants

Testimonial

“Doing business with The Dowd Agencies is a pleasure. I have confidence in all aspects of our insurance: coverage; management; and most importantly, cost. Eastern States Exposition receives timely responses, great advice and individualized attention. The Dowd Agencies has made my job demonstrably easier.”

Eugene Cassidy | President and Chief Executive Officer
Eastern States Exhibition

Testimonial

“The Dowd Agencies excels at customer service, and really understands the specific insurance regulations and challenges facing local businesses in Massachusetts. They work with us to ensure we have the exact coverage we need, so we can focus our attention on our day-to-day operations.”

Dino Gravanis | General Manager
Springfield Country Club

Testimonial

“Hannoush Jewelers has been a family-owned business since opening our first store in 1980. When it comes to our core values of integrity, respect, professional conduct and customer commitment, Dowd not only understands them but exemplifies them. We are proud to partner with Dowd for all our insurance needs.”

Michael Hannoush | CFO
Hannoush Jewelers of Connecticut

Testimonial

“Excel Dryer prides itself on being a family-run company that manufactures its complete line of products here in the U.S., and Dowd has a unique understanding of our needs. The spectrum of coverage options and top-rated providers from Dowd provides us with security, no matter the venture we pursue. When evaluating our insurance options, we quickly realized that Dowd’s proud heritage mirrored our values at Excel, which has led to a strong and successful relationship.”

Denis Gagnon | President
Excel Dryer

Testimonial

“Partnering with Dowd Insurance was a win-win for us. With convenient locations all over western Massachusetts, Dowd can service our needs at any time.”

Dave Fontaine | President
Fontaine Bros., Inc

Testimonial

“Dowd Insurance has handled our bonding and insurance needs for over 15 years and they are extremely service oriented. In the construction business, this is not only an important part of our business requirements, but one that offers much needed peace of mind.”

Jerry Gagliarducci | Owner
Gagliarducci Construction, Inc., Indian Orchard, MA

Testimonial

“My overall experience with Dowd Insurance has been excellent. They have been very knowledgeable, communicative, and easy to deal with. One specific experience I had working with Cindy was when I got in a car accident. Cindy was able to save me several thousand dollars by asking me detailed questions regarding the accident resulting in a huge savings on my yearly payment. Can’t thank her enough!”

PJ Mondani | Chain Sales Executive
Commonwealth Wine & Spirits Boston, MA

Testimonial

“I have always used Geico in the past because I assumed they had the best deals. When I moved to Massachusetts a friend suggested I check out Dowd and I’m glad I did! Kim made sure I had everything I needed to go to registry, as well as stamping my RV1, out of state tax form, and assisted me on cancelling my old plates and policy. They have a very friendly and knowledgeable staff”

Drew London | Assistant Golf Professional
The Country Club, Brookline MA

Testimonial

"The Dowd Insurance experience is unmatched. For me, it goes beyond the exceptional portfolio of products they sell, and it becomes a more personal engagement from top to bottom. My representative, Cynthia, is my trusted advisor for all things insurance. At Dowd it’s all about trust, the customer experience, and building a long-term partnership with their clients. The other guys make a 15-minute promise, and that's all you get."

Matthew Geary | HCM Consulting Sales Manager
Oracle Consulting

Dowd Wealth Management has extensive experience with municipalities and non-profit organizations that has proven valuable to both retirement plan sponsors and plan participants time and time again. We can assist local government employees with 457 plan options and public school and tax-exempt organization employees with 403(b) plan options.

403(b) Retirement Plans or 457 Retirement Plans?

Are you getting the most out of your tax-sheltered annuity plan? We can assist in either scenario. A 457 deferred compensation plan operates similarly to a 401(k) plan, and funds local government workers through payroll deductions, allowing the money to pass to a retirement account without being taxed. Similarly, a 403(b) is a defined contribution plan which may be offered to tax-exempt groups including schools, hospitals and churches, and also allows for tax-advantaged contributions for applicable employees.

Dowd Service Offerings

We offer educational services that focus on individual retirement planning suited for the 403(b) and 457 market. With our proprietary one-on-one education program, we are able to assess and advise on participant income run-outs, deferral rates and more. We will also ensure you are getting the most of any fund-matching programs available from your plan sponsor.

We can also speak to you about your individual goals to determine your choices for the future. There are benefits, key features and costs associated with each of these programs. Our financial advisors will work closely with you to evaluate all the retirement options available to you. Contact us to learn more and get started today.

403(b) Retirement Plans or 457 Retirement Plans?

Dowd Service Offerings

Think about the things in your life that are most important to you. Let us help you ensure they are protected.