Looking Beyond The Fiduciary Stamp Of Approval

The much-anticipated event has finally arrived: the Department of Labor’s Fiduciary Standard Rule hit the financial industry on June 9. Cutter Family Finance readers already know that this rule imposes the fiduciary standard across the entire financial services industry when dealing with any type of retirement account. All of those financial professionals who were not […]







Solving The Money Problems In Your Marriage

One of the toughest parts of Susan’s and my job is to help a family through divorce. With divorce, money is often a big issue. Who gets what, when and for how long. Divorce causes money disagreements; that’s obvious, but what’s less obvious is that disagreements over money can cause divorce.   I came across […]







What Returns Should We Expect?

They say that hindsight is 20/20, but in the financial industry, hindsight only gets you so far. And unfortunately, we do not know what the future will bring. Sure, back testing strategies, looking at historic trends, studying forecasting models and understanding leading economic indicators can help give us some guidance, but nothing and no one […]







Watching The Tax Proposal Duel Unfold

When Susan Roman and I sit down with folks to help them design their retirement system, we usually discuss whether it makes sense to use investment vehicles that result in growth or income on which taxes are paid currently, or whether we kick the can down the street and pay taxes later. A question we […]







Roth IRAs—Is Your Income Really Too High?

I had a nice couple—let’s call them John and Sarah, both in their early 40s—come in to my office to discuss how to develop a sound retirement system. Sarah is self-employed and owns a small business here in town, while John is employed by a mortgage company in Taunton. They have two kids: Tommy who […]







What Is The Best Mutual Fund Class For You?

I’ve said before that the devil of the financial world is in the details. And in my opinion, the real devil is assuming that you understand the details, when really you don’t.   A few weeks ago, a new client came in to our office to meet with Susan Roman and me, let’s call him […]







Should You Spend Money? Keep Perspective

I’ve spent a lot time over our four years together, writing this column, talking about saving for the future. I have covered topics such as budgeting, stashing money away for an emergency fund, contributing to retirement plans, investment strategies and the importance of downside risk management, estate planning, ensuring we have enough money to retire, […]







It’s Time To Stop Reacting, Start Anticipating

I grew up playing a few different sports, and I loved each one. I loved being part of a team and building some great friendships that have lasted into my adult life. In part, that is why I have always encouraged my daughters to play sports as well. But that’s not the only reason. I […]







Why Borrowing From A 401(k) Might Not Be The Best Idea

Last week, I taught a class at the Plymouth campus of Cape Cod Community College with Gerry, another advisor in our Plymouth office. This class has become quite popular. It is specifically designed to help students prepare for a sound retirement by teaching them how to build a solid retirement system. Cutter Family Finance readers […]







College Isn’t Paying Off For Everyone

College is an experience that’s different for everyone. Some students focus on their future and spend their nights and weekends at the library. Others join a fraternity or sorority and explore the more social aspect of college life. Others play a sport and spend most of their time in the gym. And then there are […]