Financial Advice & The Questions To Ask

In my private practice, I teach my clients the questions they need to be asking themselves so they can make the right decisions for their financial future. Today, I want to spend some time with you explaining a very hot topic—the differences between different kinds of investors.   In the world of investing, there are […]

Dispensing Adviser Advice While Eating A Tuna Melt

I love a good tuna melt. You know, the kind that falls apart as you’re trying to wolf it down before anyone notices you are eating like an animal. There is this new deli in town located diagonally across from my office, called Prime Cut, and they have the best tuna melt I have ever […]

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 […]

Common Portfolio Misconceptions

Lately, I have met a slew of folks all wanting to have the same old discussions about allocation strategies, historical performance, top mutual fund managers, price to earnings (PE) ratios, or whatever else their brokers deem to be the hot topic of the day in the shark-infested shallows of the stock market noise. And although […]

Where’s The Beef?

Last week I traveled to Des Moines, Iowa. It was a great opportunity. I was asked to speak to a group of financial advisors on effective financial strategies to use in a challenging financial environment. While I hate being away from Jill and the kids, I like flying alone because I am able to read […]

Traditional IRA Vs Roth IRA – Why It Matters

Each year I volunteer at my undergraduate alma mater, Massachusetts Maritime Academy, to teach a three-hour course to the graduating class on planning and setting up their financial future. It is a great opportunity for me to get to know these fine young men and women and to reflect on how fast 25 years have […]

Who’s In Control?

Last week, Susan and I taught a course through the Falmouth adult education department to pre-retired and retired folks. The class is intended to educate students in six areas of life that people need to understand, to have a successful and happy retirement. There is a lot of material to cover and sometimes we do […]

The Fed, What Is It Up To?

How will the Fed’s decision to taper its bond-buying program again affect your financial future? Who knows.   What I do know is this. In December 2013, the Federal Reserve Open Market Committee (“FROMC”) made two very important decisions, to trim the monthly bond-buying program from $85 billion to $75 billion for January 2014, and […]

Solar Panels . . . For Free?

Often, folks will ask for my opinion on financial decisions that they have made. These people usually are looking for another opinion because in their “gut” they feel like something is not right with either the decision they have made or the information they have been given.   This brings me to a recent conversation […]

I Don’t Pay Brokerage Fees . . . Hmmm . . . Really?

One of the things I do when I meet with both new or existing clients is to look at the critical facts concerning their financial investment decisions. Critical means something significant, factual, important and relative that they must understand before making a financial decision such as taxes, fees, costs, risk, or a myth or a […]