Important Changes from Secure Act 2.0 in 2022

You probably remember hearing about the SECURE  (Setting Every Community Up for Retirement Enhancement) Act that was passed in December 2019 and became a law as of January 1, 2020. This was the legislation that made changes to retirement savings and required minimum distributions from retirement plans. Specifically, the age for taking RMDs was increased […]

August 2022 Newsletter

“The stock market is a device to transfer money from the ‘impatient’ to the ‘patient’.”  Warren Buffett, CEO of Berkshire Hathaway A word from our Chief Investment Officer, Tom Mallini For the last twelve months I have been trying to get my mind around the economic impact of the significant monetary and fiscal stimulus injected […]

Is Inflation Here to Stay? What it Means for Your Portfolio.

I imagine that everyone reading this has noticed a rapid increase in the cost of most everything we buy. Well, it is official now, the US economy is inflating. On June 16, Federal Reserve Board Chair Powell acknowledged that the rate of inflation is exceeding expectations after the May inflation rate was reported at 5% […]

We left our Group Health Plan for the ACA: Here is how it worked out

children wearing face masks

My husband and I are both partners in our firms, so neither of us have health care costs subsidized by employers. We have traditionally participated in his firm’s group plan, but rising costs over the past few years led me to look at other options. I started looking into the Affordable Care Act (ACA) plans […]

2020 Bear Market

corona virus

You woke up today to headlines that market futures fell overnight, and we are seeing another big drop so far today. You may be wondering if things have changed since our last message to you, and if you should do something different. Overnight, markets reacted to fears that many parts of the world, including the […]

A Volatile Week: What to Do Next


This is what we’ve planned for! Thoughts to remember in this period of market volatility. As investors, we know that we cannot achieve high long-term returns without periods of volatility, so we try to keep these market movements in perspective. Here are some of our thoughts. 2019 brought positive returns: S&P 500 up 29%, Dow up 22%, corporate […]

First-Time Homebuyer? Here’s How to Prepare Financially

first time homebuyer together planning

Recently I was asked to send in my top tip for first-time homebuyers to be included in a blog post for Redfin.  It was fun to get it back and see what other thoughts the other CFP® professionals offered.  Apparently many of us think alike!  I don’t agree with everything said here, but it is […]