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2015 Taxes Are In - How Do I Save Next Year?

Published: April 25, 2016 8:30:34 am 2778 Views

Two things in life are certain: death and taxes. While we cannot do anything about the first, there are strategies to lower your taxes for years ahead.Here are three simple ways you could save:Fund your retirement account(s)-by adding to a pre-tax retirement account or 401k, you lower your tax bill...

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What Happens to My Retirement When I Die? Legacy Planning for Retirement Accounts

Published: April 14, 2016 10:29:56 am 2522 Views

With an aging population, one question that comes up more and more often from clients is: where does my money go when I die? The flip side to that question is to ask: where do you want your money to go after you die?With the increasing popularity and accessibility of retirement plans, many Americans...

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Financially Preparing for Divorce

Published: April 6, 2016 11:17:21 am 2390 Views

While not a topic most people may wish to discuss, divorce is a reality for an increasing number of Americans. Obviously an emotionally charged time for you and your family, most divorce attorneys suggest thinking about how to divide your financial responsibilities as early as possible. Here are som...

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Dividend-paying Stocks: A Staple for Your Portfolio

Published: March 29, 2016 10:19:55 am 2551 Views

In my opinion, no matter your age or your approach to investing, there is one kind of investment that may be considered for your portfolio: dividend-paying stocks.While hardly the sexiest of investment choices, dividend-paying stocks may offer a difficult-to-beat combination -- good quality and a hi...

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Tips for Creating - and Sticking to your Budget

Published: March 21, 2016 3:44:46 pm 3091 Views

Whether you don't have a personal budget and find yourself at the end of the month not having anything left over to save for a rainy day or you always have enough for a rainy day but never crafted a budget; you absolutely should. While it might seem like a chore to build a budget and track all your...

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Planning for Incapacity: Four Essential Documents

Published: March 8, 2016 2:44:46 pm 2471 Views

I cannot tell you how many clients have expressed concern to me about aging. Specifically, they have had emotional, physical, and financial challenges in caring for their 80-something year old parents and do not want to put that burden on their own children.Yet even before old age becomes an issue,...

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Am I Next to Retire? : A Boomer Question

Published: February 26, 2016 10:36:01 am 2558 Views

One of the largest generations in our history has already started to enter retirement, the Baby Boomers. In addition, over the past few years many of Rochester's historically large corporate employers have experienced tough times, among them Kodak, Bausch & Lomb, and most recently Xerox. The com...

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2016: Bull or Bear

Published: February 11, 2016 1:36:17 pm 2718 Views

While we are off to one of the worst starts to the year ever many wonder can US stocks still have positive returns in 2016? As the market is down roughly 10% year to date, it is reasonable to assume that if you're not 100% in cash or CDs most investors are losing money. Why?Many attribute this volat...

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SURPRISE! Social Security Is Changing

Published: February 4, 2016 9:31:28 am 2462 Views

Many of you have likely heard or read about the seemingly sudden new legislation that has closed the door on some popular Social Security claiming strategies. Congress described the changes to Social Security as "closing unintended loopholes" in order to protect the solvency of the overall Social Se...

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Don't be a worry wart

Published: January 25, 2016 4:10:28 pm 2349 Views

Surprisingly, stocks have had the worst start to the year EVER. Unfortunately, that makes people scared. This article cites Google Trends statistics that the phrase "sell stocks" is the most popular internet search since 2008 (the year of our most recent financial crisis). While we can give people a...

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