When you’re considering giving money to a charitable organization, especially if the gift is significant, it’s vital to know that the money is going to a worthy place. You want to be absolutely clear on the organization’s mission, and you’ll want to be comfortable that your hard-earned money will be going toward fulfilling that mission. […]
If you’re like me, you’ve accumulated a tidy stack of those cool-looking Series EE bonds over time. Mine came from occasional gifts from my grandparents, and payroll deduction programs from my first couple jobs. And, if you’re like me, those bonds are long-gone, used to purchase a 1978 Chrysler Cordoba (hey, I was a sucker […]
XY Planning Network hosted a podcast featuring PFA’s own Jim Bradley and Craig Joncas. The podcast discusses the road to becoming an Independent Registered Investment Advisory firm. Click HERE to listen.
Happy 2020! All of us here at PFA pass along our best wishes for you in the coming decade. May the 20’s really be ‘roaring’ (and may they not end like the 1920s did!) Right off the bat, we’ve got an interesting new set of tax rules to learn. In addition to some routine updates to […]
You’ve worked hard all your life to provide for yourself and your family. You’ve also diligently put aside for your retirement. Your kids are grown and educated, on their own and self-sufficient. Meanwhile, WE have been working hard. We’ve consistently updated your long-term income plan and have helped you to shore up any areas where […]
Tis the season – when charitable gifting moves to the front of our minds. It’s not just that the spirit of giving is more palpable during the holiday season… At this time of year, plenty of reminders arrive in the mailbox each day; worthy causes and organizations are looking for your financial help. If you’re […]
Individual Retirement Accounts are great for one major reason… taxes are deferred until distributions are taken, sometimes on contributions and always on growth. Deferral of taxation can be helpful in two ways: First off, taxes aren’t coming out of the account to pay for regular growth, dividends and interest, so that money continues itself to […]
As the ‘wealth management’ industry moves from the old ‘stock broker’ model to the fee-based Registered Investment Advisor structure, one question seems to be a little less straight-forward: “Where is my money held?” In the ‘good old days’, the answer was pretty simple: “My broker works for E.F. Hutton” implies: “My money is at E.F. […]
There’s plenty of conventional wisdom out there (and Google search results) surrounding the question of “When is it time to work with a Financial Planner?” This week, we’ll touch briefly on the ‘usuals’. These are the things that any newspaper, magazine or uncle tackling the question will tend to provide as advice when this question […]
