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Giving 403(b) Plan Participants Their Due

March 18, 2014 in Expenses, Investing, Money Management, Retirement Planning by Sheri Iannetta Cupo

Part I: A Call for 403(b) Plan “Higher Education” When seeking financial advice for managing your retirement plan assets, it seems the 401(k) receives a lot more press than the similar, but different 403(b) plans used by government and tax-exempt groups such as schools, hospitals and churches. Some sound advice does cover all retirement plan ground – and all investing, for that matter. But if anyone in your family participates in...

Managing Held-Away Retirement Plans & Annuity Accounts: Part III

March 12, 2014 in Family Money, Investing, Money Management, Tax Management by Sheri Iannetta Cupo

Part III: Additional Notes on Financial Harmony In Part I of our three-part series on managing held-away accounts, we described the important role retirement plans play in your life, as they are often among the biggest building blocks in your household wealth. In Part II, we described an investment strategy for managing them effectively within your family’s overall game plan. Today, we’ll wrap our series with some of the additional advantages...

Managing Held-Away Retirement Plans and Annuity Accounts: Part II

March 5, 2014 in Family Money, Investing, Money Management, Tax Management by Sheri Iannetta Cupo

Part II: From Hodge-Podge Investing to Financial Harmony In our last blog post, we introduced the concept of organizing the building blocks of your household assets under the unified oversight of a financial professional. These include your primary investment portfolio as well as held-away accounts such as retirement plans or unmanaged annuities. Today, we’ll dig deeper into how coordinated oversight can be expected to enhance your investment Harmonious Versus Piecemeal Investing:...

Managing Held-Away Retirement Plans and Annuity Accounts: Part I

February 26, 2014 in Investing, Money Management, Tax Management by Sheri Iannetta Cupo

Part I: Building Blocks for Your Life’s Goals Building your dream home involves countless moving parts: architectural blueprints, plumbing and electric, interior design, landscaping, city permits and more. Few would face such a daunting task without an experienced general contractor to ensure that each piece has been individually addressed as well as properly fitted into the whole. And yet, when it comes to their money, most families wind up with a hodge-podge...

Real Estate to Have and to Hold

February 19, 2014 in Investing, Real Estate by Sheri Iannetta Cupo

Depending on your unique risk tolerances and financial goals, there are times it can make sense to allocate a percentage of your portfolio to real estate investments. But there’s real estate, and then there’s real estate. Do the homes you live in count as investments? Let’s take a closer look. The Role of Real Estate in Your Portfolio Why would you invest in real estate to begin with? As Forbes contributor Frank...

Golden Opportunities for Investing?

February 11, 2014 in Dimensional, Investing, Money Management by Sheri Iannetta Cupo

As Valentine’s Day nears, it seems like as good a time as any to cover the frequently asked question about whether gold has an appropriate place in your investment portfolio. We’ve got nothing against your considering the tasteful gift of gold for your sweetheart this time of year, but when it comes to your or your loved ones’ life savings, we advise you to avoid all that glitters. In his article,...

Teach Your Children Well: Financial Strategy for Young Adults

February 4, 2014 in Family Money, Investing, Young Adult Series by Sheri Iannetta Cupo

A recent question from one of our clients struck me as excellent inspiration for a blog post of wider appeal. It went something like this: “My son is now 18 and tells me he wants to invest in stocks, or mutual funds, what do I think, etc. He has $1,700, so not really enough to shake the markets, but I am happy he is developing an interest. Before I respond to...

The Gift of Multiple Careers

January 29, 2014 in Financial Life Planning, Gratitude, Mindful living, Retirement Planning, SageBroadview News by Sheri Iannetta Cupo

Raise your hand if you’ve had multiple careers. Or does yours more closely resemble Alfred Feld’s? He joined Goldman Sachs in 1933 and remained there for 80 YEARS(!), until he passed away at age 98 last fall. Whenever he was asked about his longevity, he is reported to have replied, “I’m just lucky.” While all of us at SAGEbroadview come to financial life planning via more circuitous routes, we have...

Our 2013 “Seinfeld” Markets

January 22, 2014 in Dimensional, Economics, Evidence-Based Investing, Investing by Sheri Iannetta Cupo

We can’t help but love working with a fund manager that is not only intensely loyal to the science of capital markets, but can laugh about it too. These qualities are combined in Dimensional Fund Advisors’ 2013 Review, a market/economic summary that the firm releases each January. While “a lot happened” in 2013, Dimensional reports it was ultimately “a year about nothing.” In a way, it was like the reverse...

Introducing SAGEbroadview Financial Planning

January 7, 2014 in SAGE news, SageBroadview News by Sheri Iannetta Cupo

While many of our friends, clients and colleagues are already aware of our exciting New Year’s Day news, it doesn’t seem fully official until it’s posted on the World Wide Web. So here goes: Effective January 1, 2014, SAGE Advisory Group, LLC of Morristown, NJ and BroadView Financial Planning of Farmington, CT became SAGEbroadview Financial Planning, LLC, a lasting financial planning firm for serving generations of families for a lifetime …...