Fiduciary Ruling Not Out Of The Woods Yet

Every one of you Cutter Family Finance readers should be familiar with the DOL’s fiduciary rule (the one requiring all financial advisors who provide investment advice to retirement accounts to act in their clients’ best interest). Several of these articles have explained what the rule means, what will change, how it will affect you, and—most […]







Do I Need Long-Term Care? It is Not That Simple

As many of you Cutter Family Finance readers know, I am celebrating my 50th birthday this year. In fact, I am celebrating it this week, although Jill and the others in the office say I have been celebrating for a month. Since I am taking a little bit of time off, I decided to revisit […]







What Is The Best Mutual Fund Class For You?

I’ve said before that the devil of the financial world is in the details. And in my opinion, the real devil is assuming that you understand the details, when really you don’t.   A few weeks ago, a new client came in to our office to meet with Susan Roman and me, let’s call him […]







Financial Fitness For 2017 And Beyond

Ahhh . . . New Year’s. It’s that fateful time when we all vow to take control of our bad habits. It is the time each year when we sit, ponder, and reflect on the wrongs in our lives and take action to fix them. For most of us, our resolutions focus on two things: […]







Are Those Fees ‘Reasonable’?

It is hard for me to believe that our oldest daughter, Maeve, is finishing up her freshman year of high school in just a few months. It feels like yesterday that we put her on the school bus for her first day of school. In recent years, Maeve has earned the nickname “The Wizard” because, […]







‘Free’ College Loans? Nope . . . You Pay!

Decisions have consequences. Some things just don’t work out the way we plan.   Who has heard of the Income-Based Repayment (IBR) plan the US government has implemented for federal student loans? The truth is: not many. More than 12 percent of student loan borrowers are defaulting, even while there are other options—such as Income-Based […]