Cutter Family Finance

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

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. […]







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 […]







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 […]







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 […]







To Be Or Not To Be A Fiduciary?

If you are a loyal Cutter Family Finance reader, you have heard me harp about many things over our years together, but I think the most common topic I have covered over the last year or so has been the Department of Labor’s (DOL) landmark ruling, scheduled to become effective on April 10 this year. […]







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 […]







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 […]