When it comes to buying or selling your home, most of us already know that the price depends on three things: location, location, location. Asset location is a similar, if less familiar rule that applies to your investments. By managing asset location within your portfolio, you are able to keep as much of your money as possible – even after taxes take their cut. Given how deep that cut can...

Sheri was featured in The Wall Street Journal’s MarketWatch article by Charles Passy “It also helps that they may have specific knowledge and experience that allows them to target a niche clientele — as in former colleagues or just professionals with a similar background. Sheri Iannetta Cupo, a founding principal of SAGE Advisory Group in Morristown, N.J., says that as a former GE employee, she found it frustrating trying to...

Warren Buffett has admitted to it, as has his business partner Charlie Munger. Others reportedly under the influence include presidents Obama and Clinton; Madonna; Jay Leno and Conan O’Brien; and, of course, Oprah.[1] I too am hooked. We can’t help ourselves. We can’t stop reading. Thankfully, there is plenty of evidence that the more you read, the better you get. (If only chocolate worked that way too!) In his Farnam Street...

  In my last blog post, we explored how to discriminate between helpful and misleading financial charts and graphs. Scrutinizing the source of the material and whether it has undergone robust peer review is one of the best ways to determine the likely quality of an illustration without further ado. Beyond that, it helps to understand some of the tricks that can be – and sometimes are – played in presenting...

If human enterprise is the soul of our capital markets, then its body is made up of numbers. It’s no surprise, then, that there is a never-ending supply of charts, graphs and tables seeking to translate all that mind-numbing market-driven data into a meaningful story at an approachable glance. I was reminded of this by a recent Monevator blog posting: “Too Big to Scale: Long-term Stock Market Returns.” Monevator is a...

BY GUEST AUTHOR: CHRISTOPHER J. ANNELLO, ASSOCIATE ADVISOR This article was inspired by Sheri’s niece, Jessica Iannetta, a newspaper and online journalism and political science major at Syracuse University, class of 2015. When I was in college, my dad gave me a “cool” gift – or so I thought at the time. Looking back on the gift now, it was the BEST gift. Before I tell you exactly what it was, I...

When surfing the web on your laptop, your browser has a “refresh” button, in case you want to ensure you’re seeing the most up-to-date version of whatever you’re viewing. When we were redesigning our website last year, I used that function a lot! I wish I could provide America with a refresh button, to revisit how we collectively view retirement. Too many investors are still conducting their financial planning in...

In the past few weeks, I’ve dedicated our SAGE blog to four streams of consciousness that combine to serve as the undercurrent, or the “life” portion, of financial LIFE planning: Gratitude Meditation Spending time with your tribe Giving I’ve intentionally saved Giving as the best for last. If you want happiness for an hour — take a nap. If you want happiness for a day — go fishing. If you want happiness for a year — inherit a...

Have you caught this two-minute YouTube video that’s been making its way around the social media channels lately, “Cat-Friend vs. Dog-Friend”? Be forewarned, it’s edgy. Huffington Post describes it as “tastefully offensive,” a combination I’m still pondering. Either way, last I checked, it’s nearing a billion hits, and counting. Besides offering a laugh, it provides a lead-in to this week’s discussion on the importance of spending time with friends and family....

If you ask me, I don’t think it’s coincidence that “meditation” and “medication” are but one consonant apart. As introduced in my last post, academic research indicates that a few minutes of daily meditation yields countless physical and emotional benefits … without any of the usual fine-print, like: “Do not drive or operate heavy machinery after taking meditation.” Once the purview of those who sprinkled their conversations with “groovy” and smelled...