The Cautious Investor

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

Retirement Realities

July 22, 2019 | 0 Comments

The concept and reality of retirement is changing drastically. Back in the day, there were pensions that delivered a set amount of money every month at the end of a career that might have spanned anywhere from 20–35 years at the same company.  Now, there are 401(k)s, and gig work, robo-advisors and smartphone savings apps. …

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The Recession is Coming…Right?

June 26, 2019 | 0 Comments

“Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves.”  – Peter Lynch, former Portfolio Manager, Fidelity Investments As we continue what many refer to as the longest bull market in U.S. history, the odds some economists place on a recession within…

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Do You Know the Code? Tax Breaks for College Students

May 21, 2019 | 0 Comments

If you attended undergraduate, graduate, or professional school this year, you may be eligible for a tax break. Tax credits and tax deductions may help you pay less income tax, according to the IRS. Tax credits are subtracted directly from the amount you owe in taxes on a dollar-for-dollar basis, while tax deductions reduce your…

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Financial Fire Drill – How to Prepare Instead of Panic

May 5, 2019 | 0 Comments

We practice drills for all types of disasters to help mitigate risk, reduce causalities, and provide peace of mind. Why not have a financial “fire drill”? Understanding what you will do if you’re faced with financial distress can help protect you from making harmful, hasty decisions, and give you confidence through challenging times.  When you begin planning your financial “fire drill”, make sure to include all family members. What happens if…

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Retirement – Is it the end, or just a new beginning?

March 28, 2019 | 0 Comments

Many of us are planning our retirement, some with excited anticipation, some with apprehension.  Naturally the primary focus is usually on the financial – can I afford to retire?  It is important to assure that you have the financial resources you will need and good financial management practices in place for a successful retirement.  But…

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Is it Worth Working with an Advisor?

February 21, 2019 | 0 Comments

According to Vanguard, the leader in do-it-yourself (DIY) investing, they believe a financial advisor can add approximately three percentage points to a client’s investment returns per year.  The study found five separate ways advisors add value (alpha) in working with their clients. * Vanguard Advisor’s Alpha Value-Add (approx. annual %) Behavioral Coaching 1.5% Asset Location 0 to .75%…

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A New Normal in Estate Planning – The Digital Estate

January 18, 2019 | 0 Comments

We live in the digital age, and the world is going paperless. Many people pay their bills online, use online-only savings accounts or software like Turbo Tax. But what happens to your online world when you pass away? Technology has made having an online presence a convenient and important component of many Americans’ lives.  It…

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Planning for Peace in the New Year

December 28, 2018 | 0 Comments

If you’ve ever had that unpleasant money conversation with your spouse, significant other, or even children about how much things costs and where money is getting spent, you’re not alone. Budgeting can be incredibly uncomfortable for all if it involves accusations, criticisms and finger-wielding for past spending decisions. But what if budgeting didn’t need to…

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Tax Advantaged Holiday Gift Ideas for Grandchildren

November 18, 2018 | 0 Comments

Shopping for grandkids can be difficult. Clothes and gift cards are usually boring and toys are only exciting for a day or two, but there’s another solution: financial gifts. While a financial gift might not be fully appreciated by kids or teens when they’re young, they will get far more from it than the momentary…

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Mr. and Mrs. Unlucky – Understanding Sequence of Return Risk

October 29, 2018 | 0 Comments

Since March 9th of 2009, the U.S. stock market has taken off. Some have labeled this the longest bull market in history although FINRA technically gives that title to the 12 ½ years from October 1987 – March 2000. Many investors have reaped the benefits from strong equity markets over the last 9 years, but…

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