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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.

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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It’s a Great Time to Create Your ‘Legal Vault’

June 4, 2020 |

During this time of being at home more, now is your chance to finish that project we all put off for later – estate planning. Getting your estate planning documents organized will ensure that your loved ones are protected and that your wishes will be met. You never know what tomorrow might bring. In this…

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Tax-Loss Harvesting: The Silver Lining of a Down Stock Market

May 2, 2020 |

When the market is tumultuous – like it’s been with the coronavirus – it’s easy to get caught up in the frenzy. However, seasoned investors know to find the positive of every situation. Yes, we’re in a bear market, but opportunities may present themselves. One option for investors to capitalize on a downturn is tax-loss…

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The Market is Dr Jekyll and Mr. Hyde

April 24, 2020 |

The market is an emotional beast. It has always been susceptible to severe mood swings, like Dr. Jekyll and Mr. Hyde. The Dr. Jekyll market is very analytical. It is focused on each particular company’s prospects for the future.  Are earnings growing? By how much? Is competition going to benefit or harm the company? Is…

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Succession Planning

March 18, 2020 |

What is it and why do it? Succession planning is a proactive, strategic approach that allows an owner to exit their business on their own terms. Not all businesses are created equal, and one of the more common misconceptions we’ve seen business owners have is related to the time frame it takes to walk away…

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What’s an HSA and Do I Need One?

March 6, 2020 |

A Health Savings Account, more commonly referred to by its abbreviation HSA, is a type of savings account that allows you to set money aside for qualified medical expenses and reduce your taxable income. Not everyone is eligible to have an HSA (not everyone should) and it does come with some caveats. In order to…

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Protecting Your Investment Accounts from Fraudsters

February 12, 2020 |

As the world relies more on technology with every passing day, the continued emergence of cyber threats and identity theft can be felt by most Americans.  Despite the number of fraud incidents decreasing in 2018 relative to 2017, 3.3 million people were responsible for some of the liability of the fraud committed against them, up…

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