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 […]

Capital Gains Taxes On A Loss? How?

As most of you know, we teach a retirement course at Cape Cod Community College. In the class, we teach folks how to build a retirement system. Part of the class is designed to help folks understand the impact of capital gains taxes on that system.   At our last class, I was explaining the […]

Is The Phantom Lurking This Halloween?

Folks, with any good retirement system, not only do you need investment and income plans, but you need a sound tax plan as well. You must have strategies that are tax efficient. We all have a right to legally pay less tax, agreed? Heck, if we legally pay less tax then what have we essentially […]

Active Versus Passive—What’s Your Strategy?

I often joke with folks about all of the abbreviations in the financial industry. IRA, RIA, FIA, VA, IUL, PFS, CFP, CPA; it’s crazy. Sometimes it sounds like a really disturbing spelling bee. I know it can be hard to keep track of them all, or even remember what they all stand for, but I’m […]

Fees And Expenses; Just Not Adding Up

I am accustomed to seeing a variety of emotions from people when they first come to see me; confusion, urgency and fear, to name a few. In fact, over the years, I’ve gotten pretty good at recognizing and identifying how people are feeling before they even start talking to me. Heck, working with all women […]