Cutter Family Finance

The Cutter Family Finance articles are published in The Falmouth Enterprise and The Mashpee Enterprise every Friday.

Protect Your Retirement by Improving Your Credit Score

A bad credit score can have a direct effect on your retirement. Find out how to improve your credit score to protect yourself and your family.

New Approaches to the 60/40 Strategy

If you’re following the old strategy of investing 60% of your assets in equities and 40% in bonds, you may be exposing yourself to more risk than you thought. It’s time to rethink old ideas, because you deserve more.

Financial Nor’easters…Don’t Get Caught In The Storm

Getting through rough nor’easters requires vigilance, preparation, and planning. So does getting through bad weather on Wall Street.

Retirement Savings Advice for Millennials

Milllennials – people in their 20s and 30s – have many challenges unique to their generation when it comes to saving for retirement.

A Frozen Pension Can Get Chilly

Many pension plans are dangerously underfunded and employers are looking to get rid of them. If your employer has frozen your plan, what do you do?

Understanding Risk and Return

Investors hear a lot about risk and return, but what does that mean? Let’s break it down with an explanation of some of the common metrics financial experts use to factor risk and return.

Death and Taxes: Estate Planning

Proper estate planning distributes your assets when you pass away, minimizes taxes for your heirs, and provides contingencies if you’re sick or incapacitated. Find out more.

Roth Conversions in 2018: Benefits and Challenges

Converting some of your tax-deferred investments to Roth IRAs can be a smart way to save in retirement. The new tax law makes changes that you must know before you do, so read carefully before making that move!

Smooth Seas Never Made Skillful Sailors

Times of market volatility demand a careful strategy that’s driven by understanding risk and long-term goals, not by reacting emotionally.

Some Rules Are Meant to Be Broken

The old rule of retirement was that you could withdraw 4% from your investments every year to make your money last. That rule is out the window. What do you do now?