Boston, MA
Severance Planning in Boston
Biotech layoff cycles; State Street, Fidelity reductions; equity-comp unvest.
Why Severance Planning planning is different in Boston
Boston is biotech, education, and asset-management hub with deep healthcare and university anchoring. The combination of Biotech, asset management (Fidelity, State Street, Wellington), higher education, healthcare. shapes how residents approach severance planning — including which tax levers apply, how state rules layer onto federal treatment, and where the highest-yield planning opportunities sit.
Boston at a glance
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Population
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Median household
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Home ownership
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Median home
Notable neighborhoods
Back Bay · Beacon Hill · South End · Cambridge · Brookline · Newton · Wellesley · Lexington · Concord · Weston · Belmont · Winchester
Local landmarks
Harvard University · MIT · Massachusetts General Hospital · Fenway Park · Faneuil Hall · Kendall Square
Local challenges this content addresses
- Massachusetts 4% millionaire surtax (income > $1M)
- MA estate tax exemption only $2M (lowest in country) — far below federal $13.99M
- Biotech equity-comp with long lock-ups
What severance planning planning covers
- Severance lump-sum vs. salary-continuation tax modeling
- 401(k) rollover, in-service distribution, and Roth-conversion planning
- COBRA vs ACA-marketplace cost analysis
- Equity-comp unvest valuation and accelerated-vesting clause analysis
- Unemployment-benefit eligibility and state-specific timing strategy
Decision-stage resources
Model the numbers for your situation:
Severance Planning calculator + worked examples
Decision-stage tooling specific to severance planning, with FAQs, real-world scenarios, and tax-rate tables for Massachusetts.
Latest severance planning writing
Recent severance planning blog posts, including Massachusetts-specific updates and federal-rule changes.
Boston starter kit
Get the Life Money USA Severance Planning starter kit
Decision checklists, 2026 federal + Massachusetts state numbers, and our glossary. Free, one click.
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