Money—A Finite Resource

I was not the best student in high school, academically. However, I was one of those kids that was well liked who always had a good time. I went to a Catholic school and I remember all the nuns telling me that I had a “spark” in my eye. Of course, that would always be […]







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 […]







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 […]







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 […]







Is Your College Planning Strategy Appropriate?

As a seasoned financial advisor, I will be the first to admit that the general public has a significant amount of mistrust with the financial services industry. I attribute it to the lack of transparency by the bigwigs in the industry and the fact that certain advisors are only held to a suitability standard of […]







Financial Fitness For 2017 And Beyond

Ahhh . . . New Year’s. It’s that fateful time when we all vow to take control of our bad habits. It is the time each year when we sit, ponder, and reflect on the wrongs in our lives and take action to fix them. For most of us, our resolutions focus on two things: […]







Seriously, What Is Your Best Interest?

Susan Roman and I have written a couple of articles that mention a recently promulgated rule from the Department of Labor. That rule imposes a fiduciary standard on all advisors who are getting paid to provide investment guidance on retirement accounts (401(k)s, IRAs, Roth IRAs, Simple IRAs, SEP IRAs, et cetera). For many folks this […]







Are You Planning On Social Security?

The future of Social Security is a concern for many, young and old. In the retirement planning course that Susan Roman and I teach, we always get questions about Social Security.   Actually, in these classes we often get many questions, most of which concern either investing or Social Security. Our one request is that […]







Investing A Lump Sum Without Fear

I’ve mentioned before that the biggest fear for many people in their retirement planning is running out of money before they die. But another big fear, a fear that gives me job security, is the fear of having more than enough money to retire comfortably, and doing the wrong thing with it.   This was […]







The Final Plan–Thinking About The Unthinkable

Last week, Jeff wrote about two common concerns that retirees have: running out of money and paying for long-term care. As he explained, there are things you can do to alleviate those concerns. And, as we often say, having a plan in place is imperative to a successful retirement. Well, just as it is important […]