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 […]







Paying Medical Bills: Understand Your Options

In 2001, Jill and I had our first child, Maeve. Two years later, our dynamic duo, Phoebe and Sophie, joined the Cutter clan. Phoebe always reminds us that she became a member first, since she pushed Sophie out of the way on her way out of the womb. Three kids in diapers—fun times.   At […]







What Is Your Inflation Rate?

  A very nice couple came to our office a week or so ago; let’s call them John and Sally. They are self-proclaimed “faithful” Cutter Family Finance readers who are looking for help. John and Sally are from Franklin, but have summered in Falmouth for 30-plus years. They are planning to retire here in the […]







Health Savings Accounts And Retirement Plans

Each year I teach about a four-hour financial class to the graduating cadets at Massachusetts Maritime Academy. We talk about many things related to planning for their financial future, including how to pay for the rising cost of health insurance.   I explain to the cadets that when someone is offered a new job, salary […]







Think Medicare Has You Covered? Think Again.

Recently, Greg and his wife, Laura, came to see me. They are from North Falmouth. They were referred to me by their accountant, who advised them to seek out some professional financial advice before they retire. Heck, that is right up my alley! Greg and Laura are a very nice couple. They both brought up […]