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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.

Exiting Your Business Doesn’t Have to be Overwhelming:  Some Common Questions about Succession Planning

September 20, 2021 |

By Jonathan Lapine CPA, CFP® For many business owners, that bittersweet moment after you’ve exited your business is not difficult to imagine.  Being able to take long, uninterrupted vacations, attending grandchildren’s sporting events and knowing that the next time an angry customer calls it won’t be you on the receiving end.  On the other hand, it’s…

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Maximize Your 401(k) with Roth and After-Tax Dollars

September 20, 2021 |

By Ryan Glinn, CFP®, MBA,  CLTC® You typically become eligible to participate in a company’s 401(k) or other retirement plan after one year of service. Determining how much you can afford to save is crucial. However, “where” you are saving is also important. Roughly 70% of large and mid-size companies now offer a Roth provision.[1] …

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Why Women Need to Plan

August 2, 2021 |

By Paulette C. Pasquale,CFP® Whether by choice or chance, women are more likely to manage their own financial affairs and plan independently at some point in their lives.  It is no secret that women outlive men, on average by six to eight years. There is also an increase in “grey divorce” which means older-aged couples…

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What is Bond Laddering?

June 29, 2021 |

By Jean Marie Daley Although there are many benefits to investing, there are also a multitude of risks to it. Some of these risks can be successfully mitigated or managed by employing certain strategies.  A significant risk with fixed-income securities is reinvestment risk, or the risk that money received from an investment will earn less…

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Is Your Retirement Savings Plan Right for You?

May 27, 2021 |

By Jean Marie Daley There are seemingly endless options when it comes to picking a retirement plan that is best for yourself and your business and there is much nuance to the differences between each type of plan. With that nuance comes room for customization and flexibility, but also leaves room for confusion and error…

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How Taxable Income Could Impact Your Retirement Costs

May 27, 2021 |

By Jonathan Lapine CPA, CFP® The feeling of readying oneself for retirement can cover the entire spectrum of emotions.  Among the more obvious ones – joy, relief, anxiety – confusion also can creep into the mix as folks sit down to chart out their income in retirement.  From the retiree’s perspective, reading and understanding all…

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Don’t Put Off Student Loan Planning

May 3, 2021 |

By Ryan Glinn, CFP®, MBA, , CLTC® The student loan debt in America hit record highs in 2020. In fact, the last ten years has seen the U.S. student loan debt increase more than 100 percent.[1] More than $1.5 trillion of outstanding student loan debt exists across more than 165 million accounts.[2] While student debt…

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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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