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 […]







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 […]







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 […]







Wintery Storm—A Pause For Reflection

I try to teach my kids to always be prepared for whatever comes their way.   Last week I had to practice what I preach. I went to Detroit for a couple of days to meet with another advisor. Seeing the weather reports, I threw some boots and some extra clothes in my bag, just […]







The Journey Of Your Tax Refund

Once again, we find ourselves approaching tax time. That time when we are either excited to get back some of our hard-earned money, or disappointed to see that we owe even more than we’ve already paid. As we do our taxes, most of us have our eye on that one number, either the amount we […]







Trust As Beneficiary Of An IRA? Let’s Take A Look.

Last week, a very nice man from Orleans came to see me; let’s call him David. David is 72 and has been married to his wife, Judy, for 52 years. They have three children and seven grandchildren. David took a class that Susan and I teach at Cape Cod Community College on building retirement systems […]







All IRAs Are Not Created Equal

If you have ever driven past our office on Teaticket Highway, you may be surprised to hear that four of us work in that small space. We do well with our tight quarters; we manage to work together without getting in each other’s way very often. Part of what makes it work is that we […]







Is Your Investment Portfolio On Thin Ice?

A nice couple from West Falmouth, let’s call them Ben and Mary, came to see me last week. Part of their New Year’s resolution is to start to take their investments seriously. Ben and Mary moved from the Boston area a few years back. They are 58 and 55 respectively, have saved about a million […]







What One Needs To Know About The ‘Markets’

Jeff ends his articles each week with the instruction to “be vigilant and stay alert.” I agree that it is critical for all of us to be attentive to not only our personal finances, but the financial world in general. How do we do that? Usually, we listen to the news. So, it is important […]