For many of us, our employer’s 401(k) plan is our primary retirement savings vehicle. Participating in the plan is generally easy and painless. Your contributions are deducted from your paycheck each pay period, there is nothing that you need to do other than select how you want your money invested. Some companies even offer a […]

Saving for retirement is a top financial priority for most people over the course of their working life. In terms of retirement spending, we generally think about the cost of housing, travel, and other activities we’d like to pursue.  However, one of the biggest costs in retirement is the cost of healthcare. Fidelity Investments does […]

Retirement is a common investing goal for many people. How you invest both while saving for retirement and once you are retired is important and can have a big impact on your financial security in retirement.  Here are some retirement investment mistakes to avoid.  Saving and Investing for Retirement – the Accumulation Phase  While you […]

Recent changes in the geopolitical environment have warranted changes to our portfolios. As the deeply disturbing war in Ukraine continues to develop, we are observing the potential impact on the stock, bond, and commodity markets across various sectors and regions.  We have decided to reposition the portfolios to adapt to the escalating conflict in Eastern […]

Estate planning is the process of ensuring that your assets are properly distributed to your heirs upon your death and designating who will handle your affairs should you become incapacitated. Estate planning is important for all of us, not just the ultra-wealthy. Here are some estate planning basics to consider.  Take inventory of your assets  […]

Retirement is a transition in many ways. Your daily routine no longer centers around work. Retirement also represents a time of financial transition as well.  During your working years your focus is generally on accumulating money for retirement. This means contributing to your 401(k), IRAs, taxable investment accounts and others. Your investment strategy may also […]

Asset allocation is an investment strategy that adjusts the percentage of each holding in an investment portfolio according to the investor's risk tolerance, goals and investment time frame.  One famous industry study indicated that over 90% of the return from an investment portfolio was attributable to the portfolio’s asset allocation. While some have questioned whether […]

The term “financial planning” is a common one that is often written about in the financial press. Many financial advisors list financial planning among the services that they offer to clients. We believe this is a critical part of the services that we provide our clients.  But what is financial planning? We think its important […]

Taxes, investments and financial planning are more intertwined than ever. Decisions about investments and financial planning increasingly include weighing the tax implications. Add in the multitude of potential changes in the tax legislation proposed by Congress and the need for an expert financial and tax advisor who understands your entire financial situation is more critical […]

CFP® stands for Certified Financial Planner. The CFP® designation is perhaps the most well-known credential in the financial planning and financial advisory space. Let’s take a look behind the CFP® designation to help you understand what is involved in earning and maintaining this important designation.  What is a CFP®?  A CFP® is someone who has […]