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 […]







Required Minimum Distributions, Do I Need To Worry?

Last week was a long week. In Jeff’s endless pursuit of physical fitness (not really), he hurt himself. All of us in the office tell him he will be fine, but the poor guy had to take it easy for quite a few days. Both of our schedules were a bit thrown off as a […]







Time Is On Our Children’s Side

Susan and I have written a lot of articles about the importance of starting to save for retirement as early as possible: taking advantage of time and planning for the future at a young age. We have covered topics ranging from how to teach our youth the value of saving to creating a budget to […]







Hitting ‘Undo’ On A Roth Conversion

Over the past three years, we have discussed Roth IRAs a few times. We have reviewed what it means to have one, what the rules are that pertain to them, the implications of converting traditional IRAs to Roth IRAs and the possibility of re-characterizing those conversions. In light of the recent market volatility, I thought […]







Digging Deeper Into Your IRA

Many reading this article may think IRAs are relatively straightforward, the tax laws surrounding them are black and white, and the rules are clear. But sometimes things are not as straightforward as they seem at first glimpse.   Although the basic IRA guidelines appear to be simple, in order to take advantage of all that […]







The New Staple In Your Retirement Plan

“The single best gift Congress has ever presented the American taxpayer.” “Anyone eligible to start one, should do so now!” “There is nothing more to analyze, it works.” —“The Retirement Savings Time Bomb,” by IRA expert Ed Slott   I bet you are all wondering what “it” is that has earned all of that praise […]







Don’t Be ‘Ridiculous’

Last Saturday morning, I took my three girls, Maeve, Phoebe and Sophie, to have a “Daddy daughter” day. I try to do this once a month or so to get away from the hustle and bustle of daily life. It allows us to spend some uninterrupted time talking, which my girls love to do. So […]







Seeing The Whole Playing Field

I call them the “young ones,” newly retired couples typically in their early 60s who are anxious to plan their financial future. John and Barbara, a couple of “young ones” who retired here from Chicago, came to me for a second opinion on their investment and retirement plan. They are Cutter Family Finance readers and […]







Is Your IRA Stretchable?

I had a nice couple, Moe and Deb from Osterville, come to my office a couple of weeks ago for investment advice and estate planning. They had attended an earlier workshop I held, which got them questioning whether they had an adequate estate plan in place.   Their questions concerned their investments, particularly their IRAs. […]







I Want Tax-Free Income!

Bob and Joanne from Sandwich recently e-mailed me with a concern. Bob and Joanne are in their early 50s and are worried about the impact of increasing taxes on their future income. They believe that increasing taxes could negatively affect their retirement lifestyle. I also learned that Bob and Joanne are ahead of the game. […]