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The Cautious Investor

The trusted Advisors of our Warren Office contribute a monthly article, The Cautious Investor, to The Youngstown Business Journal.

The Hidden Costs of Owning a Second Home

March 31, 2021 |

By Paulette C. Pasquale CFP® A second home can be a place where multiple generations can come together and celebrate or a getaway home for a change of scenery.  It can be a fitting perk that complements your retirement lifestyle.  The obvious costs are easy to compute, but so are the hidden costs if they…

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A 30-Foot View on Inflation

March 2, 2021 |

By Ryan Glinn, CFP®, MBA, CLTC® WHAT IS INFLATION? According to our dear friends at Merriam-Webster, economic inflation is defined as “a continuing rise in the general price level usually attributed to an increase in the volume of money and credit relative to available goods and services.” To be a bit more concise, inflation is…

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Credit in a Nutshell

March 2, 2021 |

By Jean Marie Daley Your credit rating will be used in many big scenarios throughout your life and can affect your access to quality lenders. With March being National Credit Education month, there is no better time to discuss the application of credit and the importance of maintaining good credit health. The term credit was…

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April 15th Here We Come

February 18, 2021 |

By Ryan Glinn CFP®, MBA, , CLTC® The year 2020 is in the books (thankfully), but now it is tax time. While 2019’s tax filing deadline was pushed back to July 15th due to COVID-19, 2020’s tax filing deadline is back to the standard April 15th. Maybe we are on track for some semblance of…

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What Could Second Round of Stimulus Look Like?

January 7, 2021 |

By Jean Marie Daley Back in March, Congress approved a $2.2 trillion dollar stimulus package referred to as the Coronavirus Aid, Relief and Economic Security Act (CARES). This was a bipartisan effort to protect Americans from the fallout of COVID-19 by providing quick and direct economic assistance to individuals, families, and businesses. Although this was…

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Is it Time to Abandon Bonds In Your Portfolio?

November 25, 2020 |

By Jonathan Lapine, CPA, CFP® For investors who utilize diversified portfolios, particularly those approaching or in retirement, Bonds can often represent a significant portion of one’s overall portfolio. With Federal Reserve Chairman Jerome Powell recently confirming the Fed’s desire to keep interest rates low for the foreseeable future, some have begun to question the efficacy…

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Retirement – A Blessing Or A Curse?

October 15, 2020 |

By Paulette C. Pasquale,CFP® During this past six months, our lives have been impacted in many ways, some enlightening, some disturbing and many in between.  For some, it is causing them to consider retirement sooner rather than later.  Perhaps their job has been eliminated, or perhaps they are concerned about their health with returning to…

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The “Target Date Fund” Myth

September 28, 2020 |

By Ryan Glinn, CFP®, MBA, CLTC® With the growing popularity of Retirement Target Date Funds within qualified plans such as 401(k)’s, 403(b)’s, and 457(b)’s, many people tend to think their retirement eggs are in one basket. Some folks see online or on their statements that they own and contribute to one mutual fund, and they…

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The Half of Your Portfolio That Doesn’t Make the Headlines

August 26, 2020 |

By Jonathan Lapine, CFP ®, CPA and Jean Marie Daley When people think of investing, they generally think of stocks, but many investors’ portfolios are largely comprised of bonds as well. In fact, the U.S. bond market is massively larger than the U.S. stock market; approximately double the size*. Knowing this, it is important to understand the…

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Lump-Sum Pension Offers: Take It Or Leave It?

July 8, 2020 |

By: Jonathan Lapine, CFP ®, CPA Ever since the advent of the 401K in 1978, more share of the burden to financially prepare for retirement has shifted from one’s employer to the employee themself.  Company pension plans designed to provide lifetime income to loyal employees at retirement have slowly vanished from the retirement income scene. …

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