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 […]







Watching The Tax Proposal Duel Unfold

When Susan Roman and I sit down with folks to help them design their retirement system, we usually discuss whether it makes sense to use investment vehicles that result in growth or income on which taxes are paid currently, or whether we kick the can down the street and pay taxes later. A question we […]







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 […]







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. […]







To Be Or Not To Be A Fiduciary?

If you are a loyal Cutter Family Finance reader, you have heard me harp about many things over our years together, but I think the most common topic I have covered over the last year or so has been the Department of Labor’s (DOL) landmark ruling, scheduled to become effective on April 10 this year. […]







All IRAs Are Not Created Equal

If you have ever driven past our office on Teaticket Highway, you may be surprised to hear that four of us work in that small space. We do well with our tight quarters; we manage to work together without getting in each other’s way very often. Part of what makes it work is that we […]







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, […]







The Financial Year In Review

It has been quite a year, and 2017 promises to be just as exciting. The best thing we can do is stay on our toes and be ready for whatever is to come, and that starts with ensuring that we understand all that happened in 2016.   That’s why I decided this week to highlight […]







These ‘Clever’ Little Gifts Keep On Giving

Doesn’t it seem that once we are through Thanksgiving, Christmas is right upon us? Well, I feel that way and as a result, I am facing crunch time for my Christmas shopping. My girls are easy to buy for; they have no problem telling me exactly what they want, where I can get it, and […]







What’s Your Game Plan For Financial Success?

All of my children play multiple team sports. They have for years, and probably will for years to come. Over time, I have watched them all improve at their respective sports. I, on the other hand, am no better at watching them play. I am a nervous mom in the crowd. (My friends will attest […]