About ProIncome

ProIncome is an independent financial services agency specializing in providing professional retirement & business planning.
In today’s world of increasingly complex financial questions and concerns, personal and business planning has taken on greater urgency.
The challenge most face is having a clear understanding of how to go about planning to achieve their personal and business objectives. Most financial service professionals fail to provide a clear definition of “the planning process”, leaving many without a real understanding of how to go about making the right decisions to achieve their desired lifestyle.
At ProIncome, we start with helping you understand the 2 distinct aspects of planning – first, protecting what you have today, and second, saving for your tomorrows. We will help you preserve what they have and develop wealth building strategies based on your lifestyle objectives.
Ask about “6 Steps Retirement” and how it will help you develop a retirement income that is predictable, sufficient, and sustainable!…
Give us a call at 781-248-7344 or click the scheduling link below to set up a 30 minutes introduction meeting. We can meet by virtual or in-person appointment, and there is no cost or obligation. This will be an opportunity to learn more about our planning process and ask some questions.
Thank you!

Michael Graff – Founder and Principal


Mike is a veteran of more than 35 years in the financial services industry, beginning his career as a business broker and home mortgage professional. In 1986 he earned his life, accident, and health insurance license. He is an Investment Advisor Representative, holding a Series 65 Securities License, and is a Chartered Tax Advisor.
During his many years helping people with various mortgage, financial, business, and insurance services, Mike has witnessed changing and often turbulent economic times – from the high-interest rates of the early 1980s to the 2008 financial crisis. Mike has gained experience as a business owner, starting Equity One Mortgage, Inc in 1987 and growing it to a 20+ employee company with offices in MA and RI, later selling it to a NJ based lender in 1995. He has also been active as a real estate investor. His experiences working with people over these many years and varying financial disciplines, makes him uniquely qualified to help his clients navigate today’s uncertain economic environment. Taking into account his diversity of personal and professional experiences, his approach to financial services is simple – “Financial success and security is built on a foundation of planning that starts with understanding and protecting what you have today, so you can build for what you want tomorrow.”
Operating as an independent advisor and fiduciary, Mike is free to act solely in the best interests of his clients. He dedicates much time to understanding his clients’ financial goals and concerns, and has developed an organized and sequential planning process called “6 Steps Retirement” that is designed to both manage and preserve their assets, as well as leverage these assets to help them achieve a retirement
cash flow that is predictable, sufficient, and sustainable.
Mike earned a Bachelor of Arts in Political Science in 1984 from the University of Massachusetts, Amherst, graduating with Cum Laude honors, and has been married 32 years to his wife, Lisa. They reside in Easton, MA where they raised their 3 children. Their 3 children are all college graduates and their oldest child served 5 years in the Navy.
He is the author of the book “6 Steps to Retirement” and has been active in his community of Easton, MA, including serving as Chair of the Easton Recycling Committee, board member of Foundation for Excellence in Education in Easton, a youth baseball and basketball coach, and founder and past president of the Sunday Morning Softball League.

“We work throughout our lives to attain a certain lifestyle. Some of what we earn along the way goes to establish that lifestyle. The rest we save to maintain that lifestyle throughout our retirement years. As a retirement and business income specialist, I work to help my clients protect and maintain the lifestyle they have spent a lifetime building.”

– Michael Graff

Jacob Graff – Lifestyle Protection Strategist

As a military Veteran, Jake has made a special effort to reach out to fellow Veterans and their families to assist them as they consider their personal and business planning needs and opportunities. His military training and service affords his Veteran and civilian clients the benefit of his organized and disciplined approach to money management.
Jake’s planning process starts with helping his clients identify and prioritize their lifestyle and business objectives, then organize and analyze their financial resources so they have a clear picture of everything they have and how it is all performing. This process helps develop and cash flow management plan, followed by a review of potential risks and strategies to mitigate those risks.
Before joining ProIncome, Jake served in the U.S. Navy as a SeaBee, the Naval Construction Batallion. He was stationed in Bahrain in the Persian Gulf and at the Kitsap Naval Base near Seattle. He also earned his Bachelors Degree in Criminal Justice and a Masters Degree in Conflict Resolution from the University of
Massachusetts.
Jake’s approach is simple and direct: “As your advisor, I blend good old fashioned getting-to-know-andunderstand- you with the kind of modern day technology needed in today’s fast paced financial world. The result is a financially secure future where you are fully in control.” Together Jake and Mike work together as a father & son team, bringing a variety of planning services to the greater Boston and Providence areas.