It’s Time To Stop Reacting, Start Anticipating

I grew up playing a few different sports, and I loved each one. I loved being part of a team and building some great friendships that have lasted into my adult life. In part, that is why I have always encouraged my daughters to play sports as well. But that’s not the only reason. I […]

Is Your Investment Portfolio On Thin Ice?

A nice couple from West Falmouth, let’s call them Ben and Mary, came to see me last week. Part of their New Year’s resolution is to start to take their investments seriously. Ben and Mary moved from the Boston area a few years back. They are 58 and 55 respectively, have saved about a million […]

What One Needs To Know About The ‘Markets’

Jeff ends his articles each week with the instruction to “be vigilant and stay alert.” I agree that it is critical for all of us to be attentive to not only our personal finances, but the financial world in general. How do we do that? Usually, we listen to the news. So, it is important […]

Seriously, What Is Your Best Interest?

Susan Roman and I have written a couple of articles that mention a recently promulgated rule from the Department of Labor. That rule imposes a fiduciary standard on all advisors who are getting paid to provide investment guidance on retirement accounts (401(k)s, IRAs, Roth IRAs, Simple IRAs, SEP IRAs, et cetera). For many folks this […]

How ‘Modern’ Is Your Portfolio?

My girls came in to the office last week to fulfill their summer duties as the official Cutter Financial Group landscaping crew. I have to admit, they do good work, although with the size of our office front lawn, they don’t have a sprawling forest to contend with. Next time you drive past our office […]

Investing A Lump Sum Without Fear

I’ve mentioned before that the biggest fear for many people in their retirement planning is running out of money before they die. But another big fear, a fear that gives me job security, is the fear of having more than enough money to retire comfortably, and doing the wrong thing with it.   This was […]

A Pre-Mortem Autopsy For Your Portfolio

I’m not much of a gambler; I really never have been. I’ve been to plenty of casinos over my almost 49 years, but I have a very, very hard time putting my money on the table. I guess I am inherently risk averse, but there is one game that I have a hard time resisting…and […]

What’s Your Risk? Figure It Out Now

Nearly every move you make in life involves some risk. Driving your car, crossing the street, even boiling a pot of water. These are all things that we need to do in order to live our lives, despite the fact that there is danger involved. For the most part, we do what we can to […]

Buying And Holding On… For Dear Life?

There are a few dates in history that everyone in the financial industry remembers. Many people don’t realize how recently one of those memorable days came to pass—August 24, 2015, is not too far behind us. It claims the title as the day with the largest one-day point drop in the history of the markets. […]

Life Is Just Not Predictable Anymore

Jill’s grandparents were farmers. They were the salt of the earth, a hard-working family. They immigrated here, bought acres and acres of land in the town we grew up in, and worked that land. Every day Jill’s grandparents would milk the cows, clean the chicken coops and pick the corn, whatever it took. Not an […]