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 […]







Money—A Finite Resource

I was not the best student in high school, academically. However, I was one of those kids that was well liked who always had a good time. I went to a Catholic school and I remember all the nuns telling me that I had a “spark” in my eye. Of course, that would always be […]







Measure Twice, Cut Once

There’s an old adage in the construction world: measure twice, cut once. Otherwise, pipe connections leak, electrical connections fail and houses fall. Now, I don’t consider myself a handy man by any stretch of the imagination but I do know my way around some common power tools. And although Jill would rather have me “outsource” […]







Teaching Our Youth The Value Of Saving

Over the years, Jeff Cutter and I have covered many topics in this column that we feel are important to our youth, including the benefit of saving money, the value of creating a budget, managing risk, and the importance of creating a financial system. But last summer, we had to encourage our own children to […]







What’s Your Kid’s Probability Of Success?

Recently, I arrived at the moment in my life that all parents dread: my oldest daughter, Maeve, brought home math homework that surpassed my abilities. Even though I feel like I have a leg up on most parents because I do math every day for my job, I knew I was in trouble once they […]







Looking Beyond The Fiduciary Stamp Of Approval

The much-anticipated event has finally arrived: the Department of Labor’s Fiduciary Standard Rule hit the financial industry on June 9. Cutter Family Finance readers already know that this rule imposes the fiduciary standard across the entire financial services industry when dealing with any type of retirement account. All of those financial professionals who were not […]







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 […]







What Returns Should We Expect?

They say that hindsight is 20/20, but in the financial industry, hindsight only gets you so far. And unfortunately, we do not know what the future will bring. Sure, back testing strategies, looking at historic trends, studying forecasting models and understanding leading economic indicators can help give us some guidance, but nothing and no one […]







Roth IRAs—Is Your Income Really Too High?

I had a nice couple—let’s call them John and Sarah, both in their early 40s—come in to my office to discuss how to develop a sound retirement system. Sarah is self-employed and owns a small business here in town, while John is employed by a mortgage company in Taunton. They have two kids: Tommy who […]







Why Borrowing From A 401(k) Might Not Be The Best Idea

Last week, I taught a class at the Plymouth campus of Cape Cod Community College with Gerry, another advisor in our Plymouth office. This class has become quite popular. It is specifically designed to help students prepare for a sound retirement by teaching them how to build a solid retirement system. Cutter Family Finance readers […]