Protecting Your Identity

It shouldn’t be news to you at this point that Equifax, one of the three largest credit reporting agencies in the country, was recently hacked. The hackers were able to gain access to consumers’ names, dates of birth, Social Security numbers, addresses and, in some cases, more. That information is extremely powerful in a digital […]







Keeping Your Finances Secure During Natural Disasters

The summer before my junior year in college I waitressed at a local restaurant. By the middle of August, I was working double shifts almost every day. I was one of the few “locals” who could continue working until Labor Day because I did not need to go home before returning to school. I was […]







Fiduciary Ruling Not Out Of The Woods Yet

Every one of you Cutter Family Finance readers should be familiar with the DOL’s fiduciary rule (the one requiring all financial advisors who provide investment advice to retirement accounts to act in their clients’ best interest). Several of these articles have explained what the rule means, what will change, how it will affect you, and—most […]







Paying Medical Bills: Understand Your Options

In 2001, Jill and I had our first child, Maeve. Two years later, our dynamic duo, Phoebe and Sophie, joined the Cutter clan. Phoebe always reminds us that she became a member first, since she pushed Sophie out of the way on her way out of the womb. Three kids in diapers—fun times.   At […]







Traits of Financial Success You Can Understand

I love using comparisons to simplify and explain difficult life concepts. My kids, at this point, hate them. In our house, my kids refer to them as “life lessons.” Life lessons, in the Cutter household, always start something like this, “Well, you know, Phoebe, it’s kind of like…” and that’s usually as far as I […]







Financial Opportunities For Military Families

My son, Max, is going into his junior year of high school. Since he has started thinking about college, we have had many conversations about career choices. We have talked about the pros and cons of different jobs, including the salary potential. I would love to tell my kids to just “do what they love”—but […]







Mistakes All 25-Year-Olds Must Avoid

A few weeks ago, I met with a couple of clients of mine that I have worked with for a number of years now. I will call them Bob and June. Bob and June have been a pleasure to work with and are two of the most vigilant folks I know. As we were finishing […]







Measure Twice, Cut Once

There’s an old adage in the construction world: measure twice, cut once. Otherwise, pipe connections leak, electrical connections fail and houses fall. Now, I don’t consider myself a handy man by any stretch of the imagination but I do know my way around some common power tools. And although Jill would rather have me “outsource” […]







What Is Your Inflation Rate?

  A very nice couple came to our office a week or so ago; let’s call them John and Sally. They are self-proclaimed “faithful” Cutter Family Finance readers who are looking for help. John and Sally are from Franklin, but have summered in Falmouth for 30-plus years. They are planning to retire here in the […]







What’s Your Kid’s Probability Of Success?

Recently, I arrived at the moment in my life that all parents dread: my oldest daughter, Maeve, brought home math homework that surpassed my abilities. Even though I feel like I have a leg up on most parents because I do math every day for my job, I knew I was in trouble once they […]