In the financial planning community, there's a saying: “Don’t let the tax tail wag the dog.” This phrase humorously illustrates the idea of a dog’s tail wagging the dog, rather than the other way...
Welcome to the final months of 2024! Before we close this year, let’s make sure we optimize your finances with the following checklist. Please, contact your advisor for specific guidance.
By Patrick E. Gauthier | CFP®, MSAPMChief Investment Officer
Investors are no strangers to the ripple effects of policy changes. Whether it’s new tax laws, shifts in monetary policy, or regulatory adjustments, these changes can stir uncertainty in the markets....
By Patrick E. Gauthier | CFP®, MSAPMChief Investment Officer
As the year draws to a close, it’s easy to get distracted by news cycles, elections, and policy speculation. However, the most successful financial plans are built on consistent, disciplined actions,...
By Richard D. Bernard | MBA, CFP®Financial Advisor
Government Pensions
It’s important to know what your income will be when you retire, and for many of us, an important part of that income will be our Social Security retirement benefit. Your monthly benefit will be...
By Richard D. Bernard | MBA, CFP®Financial Advisor
Government Pensions
Most of us have heard the news about the challenges facing Social Security. Since 2010, tax and other noninterest income have not fully covered program costs, and since 2021 benefits paid have...
In 2025, major sections regarding your estate from the Tax Cuts and Jobs Act of 2017 (TCJA) are scheduled to expire. Depending on the size of your estate and its potential for growth, the sunset may...
By Richard D. Bernard | MBA, CFP®Financial Advisor
Government Pensions
There has been much talk lately about the projections that the Social Security system may have to slash benefits in 2034 when the current $2.7 trillion Social Security Trust Fund is exhausted. This...
If you've experienced a family member passing without a proper estate plan in place, you understand the challenges surviving relatives face when trying to unravel finances, final wishes, and more....
By Patrick E. Gauthier | CFP®, MSAPMChief Investment Officer
Markets ended the second quarter grappling with uncertainties over the direction of interest rates and the upcoming presidential election. However, the third quarter provided clearer answers on both...
