Easy to Understand Financial Management

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“Our Scope Can’t Be Beat”

Our Approach

LTR Financial evolved out of the idea that there is no one way to achieve one’s goals. Each person walks their own path. With the heart of a teacher, we are humble and thankful you have asked us to be an important part of your journey.

Unlimited Free Financial Planning for 1 Year*

All of our Personal Tax Clients Are Entitled to Unlimited Financial Planning For Up to One Year
*To qualify for Unlimited Advising, you must be a fully paid tax, advising, representative or
insurance client. You may also qualify if you are actively being represented, actively
contributing to a retirement or insurance plan

View Agreement

Unlimited Free Business Advisement

We will never allow outside influences to cloud our judgement and everything we offer to you as a client, will have been determined to be the best we have to offer, both in cost and quality.
With 3 Tiers of Business Advisement services, we have a package to fit your business needs.

View The 3 Tiers

01

Tax Preparation

Let’s face it: anyone can “do” taxes. It takes a special kind of care and ability not only to use tax laws to your advantage but also to explain them in a way you can understand. We are also open year-round, so you can have peace of mind knowing that if an issue does come up, we will be there for you.

02

Business Advisement

No matter what business you are in, LTR can provide a comprehensive analysis of your company to help you make the best decision.

03

Accounting

As a business owner, you have more important things to do than keep your own books.

04

IRS Defense

In the same way you need an attorney to represent you in court, you need representation before the IRS.

05

Personal

Insurance

From outliving your assets to family protection, we have you covered.

06

Business Insurance

As a business owner, you need business insurance to protect yourself, your employees, your customers, your assets, and the future of your company.

Stats
(as of September 2026)

Clients Around The Globe

Our Clients Are From
MA, AL, CA, CT, DC, FL, IA, IL, KY, LA, ME, NC, NH, NY, OH, OR, PA, RI, TN, TX, VA, VT, WA
Ireland, Mexico, United Kingdom.

%

IRS/DOR Defense Success Rate

Total Tax Returns

$66,845,000

Total Life Insurance Policies Written

$2,512,000

Total Annuities Written

See What Others are Saying

Leave a Review

         Posted on Google  
   
   Yingpeng T 
 June 22, 2024
 
 
  Steve is highly knowledgeable in financial planning and he takes his responsibilities very seriously. His tax preparation prices are unbeatable, considering the complimentary financial advising that he offers.
  
 
      Posted on Google  
   
   Kylie C 
 March 10, 2024
 
 
  I would highly recommend working with Steven at LTR Financial Services. He is efficient, while also providing you with a wealth of knowledge to make informed financial decisions throughout the year. We will certainly be coming back in the future.

Owner's reply
Thank you for the kind words but it was a team effort and we are happy to be working with you as well.
  
 
      Posted on Google  
   
   Kenny T 
 November 30, 2023
 
 
  I have been working with Steve for over 3 years now, every year my taxes are filed perfectly without fail. He is very on top of any issues that may arise and handles them promptly. I recommend to all friends and family for any tax or financial needs.

Owner's reply
Thanks Kenny, but I am only part of the team we have here. LTR would not exist without clients such as yourself.
  
 
      Posted on Google  
   
   Donny B 
 November 30, 2023
 
 
  Working with LTR has been a fantastic. He has been doing my personal return my wife’s return and my businesses return along with additional financial advice for a few years now. Very easy to work with and extremely knowledgeable on a wide verity of topics

Owner's reply
Thank you Donny, we have enjoyed having the relationship.
  
 
      Posted on Google  
   
   Caroline I 
 March 12, 2021
 
 
  Steven Hoffman helped file our taxes very effectively , we liked that he was available on the phone pre-visit to help us prepare required documents in advance, he was knowledgeable and educative on tax implication for new financial decisions we made. In couple of hours we completed the process seamlessly.

Owner's reply
Thanks for the support Caroline.
  
 
      Posted on Google  
   
   Judith G 
 February 16, 2021
 
 
  Steven Hoffman is seriously gifted. He is knowledgeable, the biggest tax nerd (this I mean in the best way possible), and has the spirit of a teacher. I decided to make the long drive to Waltham because he is an endorsed local provider by Dave Ramsey and boy did I walk out of there happy! His skills are worth EVERY penny. If you are reading this post and not sure if you should pay the cost let me tell you --- it's worth it. I am single, no kids, no house, but a complicated income situation so I could not afford to cheapen out. It feels great to walk out knowing the fee I paid saved me THOUSANDS of dollars, legally.  The man knows his trade! He is a wise CFP! Ladies, just like you wouldn't cheapen out on your hair.... I'd say do the same for your taxes. Sure a couple bucks more but you will have a trustworthy advisor who cares about your situation, helps you understand tax changes, and will make sure you walk out victorious!
  
 
      Posted on Google  
   
   Amar V 
 January 31, 2021
 
 
  
  
 
      Posted on Google  
   
   AU G 
 January 9, 2021
 
 
  Steve is very knowledgeable and always takes a relational approach with clients rather than transactional by going out of his way to educate people to better help themselves financially. Has always been a good experience.
  
 
      Posted on Google  
   
   Charlie Z 
 November 29, 2020
 
 
  Service is fantastic and Steve Hoffman is very knowledgeable, friendly, and helpful. I highly recommend LTR for their tax services. If you do your taxes with them, they'll give you tax advice any time throughout the year free of charge (and I've taken them up on this a few times over the past couple of years).

Owner's reply
Thank you Charlie.
  
 
  
  
   Google rating score: 4.4 of 5, based on 13 reviews