It’s Not Just Your Kids Who Need Help

We have written a few articles recently about parents trying to help their children become financially responsible adults. We’ve talked about young kids, high school-age kids, even young adults. And although many parents are vigilant about their kids’ financial future simply because they love them and want them to be successful, deep down we all […]







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, […]







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 […]







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 […]







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 […]







The Final Plan–Thinking About The Unthinkable

Last week, Jeff wrote about two common concerns that retirees have: running out of money and paying for long-term care. As he explained, there are things you can do to alleviate those concerns. And, as we often say, having a plan in place is imperative to a successful retirement. Well, just as it is important […]







Rising Interest Rates Reaching Beyond The Grave

Last week I wrote about how the Federal Reserve (the Fed) finally raised interest rates after promising to do so for over a year. I explained how this could impact average Americans, their retirement and their wealth with such things as loans, mortgages, savings accounts and other financial tools relied on by many. But what […]







A Gift That Keeps On Giving

Christmas is around the corner. Many of us have spent the last week frantically trying to find Black Friday and Cyber Monday deals to be able to give our loved ones as much as we possibly can. After all, if we can find a good deal on one thing, we may be able to give […]







Seeing The Whole Playing Field

I call them the “young ones,” newly retired couples typically in their early 60s who are anxious to plan their financial future. John and Barbara, a couple of “young ones” who retired here from Chicago, came to me for a second opinion on their investment and retirement plan. They are Cutter Family Finance readers and […]







Is Your IRA Stretchable?

I had a nice couple, Moe and Deb from Osterville, come to my office a couple of weeks ago for investment advice and estate planning. They had attended an earlier workshop I held, which got them questioning whether they had an adequate estate plan in place.   Their questions concerned their investments, particularly their IRAs. […]