It’s Time To Stop Reacting, Start Anticipating

I grew up playing a few different sports, and I loved each one. I loved being part of a team and building some great friendships that have lasted into my adult life. In part, that is why I have always encouraged my daughters to play sports as well. But that’s not the only reason. I […]

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. […]

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, […]

Are You Planning On Social Security?

The future of Social Security is a concern for many, young and old. In the retirement planning course that Susan Roman and I teach, we always get questions about Social Security.   Actually, in these classes we often get many questions, most of which concern either investing or Social Security. Our one request is that […]

Investing A Lump Sum Without Fear

I’ve mentioned before that the biggest fear for many people in their retirement planning is running out of money before they die. But another big fear, a fear that gives me job security, is the fear of having more than enough money to retire comfortably, and doing the wrong thing with it.   This was […]

New FAFSA Rules Give New Options

With our three girls making their way through school, Jill and I are well aware that our next big family expense will be college expenses. Frankly, it wasn’t too long after our twins were born that the thought of paying for two college educations for the same four years entered my mind. Maeve will be […]

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 […]

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 […]

Don’t Get ‘Boiled’

I was in our Plymouth office this past Saturday meeting with Bob and Cindy. They are a nice couple, ages 65 and 62, respectively, and were seeking financial advice. They both want to retire in about two to three years. Bob said that while their portfolio is almost back from when it dropped in August, […]