Cutter Family Finance

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

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?

Bitcoin and Cryptocurrency: What’s the Big Deal?

Bitcoin and other forms of cryptocurrency have been in the news a lot lately. What is cryptocurrency and how does it work? Find out more in this explanation, and understand the investment risks involved.

The New Tax Law and Your Paycheck

The Tax Cut and Jobs Act was passed into law so quickly that the IRS and employers still haven’t caught up. It pays to be extra vigilant with your withholding so you don’t have too much or too little taken out from each paycheck.

Preparing for Retirement

The new year brings some changes to how much you can set aside for retirement. Make sure you’re taking advantage of every break you can to make your golden years easier.