Recent Blogs

Pay Down Debt, Save, or Invest?

May 24, 2019

As a father of 3 beautiful girls, Maeve, Phoebe, and Sophie, I understand that my job doesn’t end when they turn eighteen. It was easy to see how much they needed me when they were young. But, as they grow up and become more self-sufficient, my job as a parent takes on new meaning. Sure, […]

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Taking a Hard Look at 401(k) Loans and IRA Withdrawals

May 17, 2019

Last Thursday, I dodged out of the office for a bit to grab a bite to eat at the Pickle Jar on Main Street in Falmouth. I like the place; I really do. The food is fantastic, and the owners and staff are always friendly. Anyway, as I was sitting at the lunch counter waiting […]

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What’s Your Retirement Age?

May 10, 2019

A couple Saturdays ago, Jill and I hosted a family party. Our home was full to the brim of grandparents, parents, cousins, nieces, nephews, aunts and uncles. I spent the day moving from group to group, chatting about our plans for the summer, laughing about old times and dissecting James Holzhauer’s historic success on Jeopardy. […]

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Investing Advice for Couples

May 3, 2019

As you may know, we’re a family business. Maeve, our oldest, who has been our “Chief Landscaper” for years is going off to college. So, her younger sisters, Phoebe and Sophie, will have some tough shoes to fill when it comes to cutting our 15’x15′ front lawn. Jill, our “Chief Everything Officer”, has been our […]

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Financial Lessons I Have Learned from Falmouth Softball

April 26, 2019

I love spring. Daffodils sprout their beauty; birds are back to performing Vivaldi’s “Four Seasons;” and the Falmouth High School Softball team once again takes the field. The girls have really found their rhythm as a team. They’ve evolved from not winning a game for years to making it to last year’s state tournament. Amy […]

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What Are Your “Rules of the Road?”

April 19, 2019

Jill and I are in the thick of the teenager years. While it is hard to believe our oldest, Maeve, will be leaving for college next year, the Cutter household still has two sixteen-year-old twins left to get through these high school years. So, teaching the “Rules of the Road” to a teenager who is […]

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Avoid IRS Trouble With A Few Helpful Tax Tips

April 12, 2019

One of my favorite quotes is often incorrectly attributed to Alice in Wonderland author Lewis Carroll. “The hurrier I go, the behinder I get.” But, I know the real source. The first time I saw it was decades ago, hanging on the wall of a grandmother’s kitchen (of course, in her house it was just […]

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Understanding Social Security, How It’s Taxed, and How It Impacts Income

April 5, 2019

Sunday mornings are always busy in the Cutter household. I allow myself to sleep to 6 a.m., exercise, then retreat to my home office where I succumb to deep thought and write our financial discussions for the week before we leave for church at 11. My girls have learned over the years if they see […]

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Don’t Set and Forget Your Retirement Income

March 29, 2019

I recently met some of my students from the retirement class Jen and I teach at Cape Cod Community College. After attending my class, Gwen and David came into our Duxbury office for a consultation. They’re from Plympton. David’s a software engineer. Gwen is involved with vacation property management, and they have two kids around […]

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A Safe Harbor for Small Business Retirement Plans

March 22, 2019

I was out having a few beers on St. Patrick’s Day when I bumped into an old shipmate of mine from thirty years ago. Victor and I both went to Massachusetts Maritime Academy, where he was a mate and I an engineer. Ah, it was good to see Vic after so many years. Even after […]

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