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 […]







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, […]







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 […]







Bringing Peace Of Mind To Your Future Health Care

When I was a little boy, my mother used to joke about wearing a “little black pill” around her neck when she got older, so that when she couldn’t care for herself any longer, she could take the pill and slip away peacefully into the night. She would always say to my brother, sister and […]







Knowing, And Then Reaching, Your Target Number

Over school vacation, all the Cutters went to Naples, Florida, to see Jill’s folks. Naples is definitely a retirement community. After observing and participating in all the golf, sunshine, exercise and happy hours, I came to the conclusion that a successful retirement is kind of like being in college . . . but with money. […]







Household CEOs—Pay Yourself Regularly!

The Chief Financial Officer (CFO) of an organization is a corporate officer primarily responsible for managing the financial risks of a corporation. This officer’s duties also include financial planning and record-keeping, as well as financial reporting to higher management. Often times, the CFO is also responsible for the analysis of financial data. In other words, […]







Serving As Personal Representative? Make Sure You Know The Role

Growing up, my grandmother always taught me to not discuss money, politics or religion in any polite or casual conversation. These days that can be challenging. Having been in private practice for all of these years, I have noticed there’s another topic people avoid talking about even more strongly: death. It’s inevitable, but we all […]







These ‘Clever’ Little Gifts Keep On Giving

Doesn’t it seem that once we are through Thanksgiving, Christmas is right upon us? Well, I feel that way and as a result, I am facing crunch time for my Christmas shopping. My girls are easy to buy for; they have no problem telling me exactly what they want, where I can get it, and […]







What’s Your Game Plan For Financial Success?

All of my children play multiple team sports. They have for years, and probably will for years to come. Over time, I have watched them all improve at their respective sports. I, on the other hand, am no better at watching them play. I am a nervous mom in the crowd. (My friends will attest […]







The Underdog That Trumps All Underdogs

This year has brought its fair share of upsets. Lebron and his Cavs came back from being down 1-3 in the NBA finals, to bring the first championship to the organization. More recently, the Cubs overcame that same 1-3 deficit to win the World Series for the first time in over a century. But last […]