SECURE Act 2.0, passed as part of the Consolidated Appropriations Act of 2023, made significant changes to the rules governing retirement plans and IRAs. These changes made it easier for individuals...
By Patrick E. Gauthier | CFP®, MSAPMChief Investment Officer
Our friends Jack and Tom retired just before a turbulent time in the market. Inflation was running high, causing interest rates to follow suit. Stocks were down in value, along with bonds, and there...
By Patrick E. Gauthier | CFP®, MSAPMChief Investment Officer
Investments come in many shapes and sizes. Some are simple, some are not. On one side you could have guarantees, on the other, a world of potential. Risk and reward normally work in tandem, the more...
By Patrick E. Gauthier | CFP®, MSAPMChief Investment Officer
We have all heard the clichés in the investment world, “It is time to buy! It is time to sell! Never been a better time to…!” Follow the market long enough, and you are bound to hear them all. An...
By Patrick E. Gauthier | CFP®, MSAPMChief Investment Officer
You have likely noticed a headline or two alluding to stock market corrections, or even recessions, in the last few weeks. Around the time markets make a downturn, the conversation will inevitably...
Now that tax season is over, this is usually the time employers and CPAs alike are making decisions with respect to retirement plans. This is the time that employers are looking to maximize tax...
By Michael A. Riskin | CPA/PFS, CFP®, MSTPRESIDENT | TREASURER
PARTNER
Once you have a plan in place to achieve and protect financial independence, you must stay vigilant to protect yourself from cybercrime and identity theft. According to the FBI and cyber security...
Question – “What is the difference between a Traditional Individual Retirement Arrangement (IRA) and a Roth Individual Retirement Arrangement (Roth IRA)?”
“How much money will I need for retirement?” This is the question even the brightest financial minds cannot quantify in general terms. The answer all depends on your current lifestyle and the...
By Richard D. Bernard | MBA, CFP®Financial Advisor
Government Pensions
The life span of Americans has increased dramatically over the past several decades. Much of this increase is due to the shift in focus from treating conditions after they occur to preventing them...
