The Cautious Investor

By Paulette C. Pasquale CFP® The last few years have brought a lot of changes for charities and their donors.  In 2018, income tax standard deductions increased, eliminating an incentive for donors to make charitable contributions. With the continued crisis triggered by COVID-19 as well as natural and humanitarian disasters over the past two years,…

By Ryan Glinn CFP®, MBA, CLTC® It’s common under W-2 employee arrangements for folks to have access to qualified plans such as a 401(k) or 403(b). Yet, many Americans work additional jobs as 1099 employees or independent contractors. This makes you a sole proprietor by default in the eyes of the IRS. For people in…

Many investors have the desire to reflect their morals in the way they invest. This demand led to the development of criteria to measure how investments or companies perform in certain categories. These metrics are known by the main categories that are considered- ESG, or Environmental, Social, and Governance factors. Environmental factors look at the…

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…

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] …

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…

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…

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…

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…

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…