Solving The Money Problems In Your Marriage

One of the toughest parts of Susan’s and my job is to help a family through divorce. With divorce, money is often a big issue. Who gets what, when and for how long. Divorce causes money disagreements; that’s obvious, but what’s less obvious is that disagreements over money can cause divorce.   I came across […]







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, […]







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, […]







Generic Ketchup, It’s Not All That Bad

I had a nice couple come into my office last week, let’s call them Steven and Denise, who are seeking advice regarding the best moves to secure their money. Steve is a successful self-employed builder here on the Cape and Denise helps Steve with their business. They are in their late 50s and remind me […]







The Financial To-Do List For College Grads

Every year I am asked to teach to the graduating class of my alma mater, Massachusetts Maritime Academy, a class on how to create good financial habits. It is a very popular class. And one that I wish I had available to me when I was their age. This year, I was pleasantly surprised. You […]







Here’s To Your Financial Fitness In 2016

The most popular New Year’s resolution last year was, no surprise, to get in shape, physically. It was also, no surprise, the most commonly broken resolution.   Resolutions are rarely successful. Why? Because positive change is made by habit, not by resolution. And habits must be acted upon at the beginning, middle and end of […]







Think Uncle Sam Will Never Take Your Benefits? Think Again

Jeff Cutter and I often talk to people about the funding problems that this nation faces. The mainstream media likes to talk about the national debt approaching $20 trillion but the number that hits home to those of us who are currently, or will be, relying on a fixed income in our golden years is […]







Social Security – It’s Complicated!

A sound retirement plan consists of three essential pieces: an advanced tax plan (ATP), an income plan, and an investment plan. While the investment plan should be the nucleus, proper income and tax plans are critical and are often overlooked.   Social Security is a very important piece of the income strategy. Over the past […]