Page 26 - BusinessWest November 24, 2025

“I had a lot
of teaching
experience,
which I actually
find helpful
now because I
spend a lot of
time explaining
different concepts
to people in terms
of investing,
or different
investment
vehicles they
might not know
about.”
somebody, he was someone I could turn to.’ That’s pretty cool.”
And the younger Vinick finds it gratifying to help people in the
same way.
“Life keeps on going for everybody, and different things come up,
and people call me because they had someone pass or they’re plan-
ning for their kids,” he told BusinessWest. “Sometimes you’re help-
ing them because it’s a good situation that you’re trying to manage,
making things a little more secure, like parents paying for college.
And sometimes you’re helping them because it’s a sad situation;
if a partner dies or spouse dies or a parent dies, they’re in a really
tough moment, but at least you’re there to make that tough moment
a little more manageable and a little bit smoother to get through.”
Let’s Talk
Vinick’s title is financial professional, though, as noted earlier, it
involves a lot of education, too. That makes sense, considering his
career journey.
At Tufts University, he majored in economics and also studied
pre-med, thinking he might want to be a doctor. But after that, he
went to Spain for a year and worked as a teacher in a rural village
of about 700 people; he had also done some tutoring in college.
“I had a lot of teaching experience, which I actually find help-
ful now because I spend a lot of time explaining different concepts
to people in terms of investing, or different investment vehicles
they might not know about. So, in a weird way, it actually ended up
being very, very helpful.”
After returning to the States and working in a few doctors’
offices, he realized he had lost enthusiasm for the medical profes-
sion. So he worked in biotech for a time, then returned to his native
Western Mass. and entered the family business. In retrospect, it
was the logical choice.
“I think I took a lot of it for granted growing up. We would sit
with my parents and with my grandfather at the table, learning
about investing and things like that, and now that I’m working in
this role, a lot of times, I’m explaining things to people that I’ve
been taught my entire life, and he was so good at teaching all that.”
It’s an ethos he brings to each client interaction today.
“I’m constantly talking to my clients, pretty much every month.
So I get to really know them as people,” Vinick said. “A lot of the
planning and understanding their finances is ongoing, rather than
just sitting down and having it be a one-time conversation. It’s ongo-
ing conversations, understanding where people are in life and meet-
ing their shifting needs.”
Those clients, he said, range from young families all the way up
through retirees working on estate planning matters, and they come
to Moors & Cabot with a wide range of income levels and assets.
Obviously, the investing strategies — and those conversations — are
far from cookie-cutter.
“It definitely changes with retirees who might be looking more
for income and living off of the savings that they have, versus young-
er people who might be looking to build something for the future,
planning for a house or college,” Vinick said. “There are a lot of key
factors that most people want to consider, so we just talk through
those. You can always start with the big picture and then hone
down as you go.”
As for clients closer to retirement, at a time when people are
living longer than ever, it’s important to help them understand they
might be looking at 25 years or more of post-work years — and how
much money it will take to live the lives they want.
“Part of it is factoring in the fact that there’s going to be infla-
tion in that path, and expenses might vary even during retirement.
Health concerns can come up. Do you plan on traveling, and do you
have certain goals or a certain lifestyle you want to maintain during
retirement? Those costs can change as you go,” he explained. “So
you want to consider that variability. You don’t want to get to retire-
ment and then run out of money because that would be a tough
position. So that’s part of the plan as well.
No matter what one’s age, Vinick said, it’s important to start
crafting that life plan as soon as possible.
“The best time to start was yesterday, and the second best time
to start is today. So even if you didn’t start yet, you can always get
started now, and it’s better than not getting started at all. Better late
than never, they say.”
Another element of helping clients is guiding them through peri-
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