Case Studies

403b Plans for Massachusetts Teachers

403b Plans for Massachusetts Teachers

​Public school educators, including university professors and administrators, can save more pre-tax than any other public or private-sector employee. That’s because educators are eligible for two retirement plans, both with unique catch-up options. In 2020, educators...

Rules for Beneficiary IRA

Rules for Beneficiary IRA

The worst part of being a financial advisor is seeing a client pass away. Last year was especially tough for me, as two long-time clients of mine passed away. It is difficult to talk with beneficiaries, some of whom I meet for the first time after they suffer such a...

Taxes Case Study

Taxes Case Study

This is a hypothetical example and not actual clients and their outcomes. Sean is 26 years old and just started working in an entry-level management position for Nissan. He makes $64,000 a year with Nissan, plus he is self-employed as a wedding photographer, grossing...

Investing In Foreign Stocks and Bonds

Investing In Foreign Stocks and Bonds

Because different countries have different currencies, overseas travel is usually more complicated than domestic travel. Likewise, overseas investing is more complicated than domestic investing. However, just as foreign travel adds diversity to your travel...

Investment Risk Tolerance Assessment

Investment Risk Tolerance Assessment

For some individuals, nothing feels worse than seeing their account drop; conversely, others regret losing out on potential gains. Perhaps, the first investor’s portfolio was too hot, while the second’s portfolio was too cold. FinaMetrica’s® risk profiling system...

Active vs Passive Fund Investing

Active vs Passive Fund Investing

Warren Buffett once said of Jack Bogle, the founder of The Vanguard Group and inventor of index investing, ‘If a statue is ever erected to honor the person who has done the most for American investors, the hands-down choice should be Jack Bogle.’ Sadly, Jack Bogle...

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