What to do with an inheritance, step by step: why the first move is to do nothing, the accounts that carry tax strings, and how to make the money last.
Written by Peter Guggisberg, Financial Services Representative with Vermont Financial Group of NY (a MassMutual general agency) and the advisor behind Noah's Ark Financial.
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Should I pay off my mortgage or invest the extra money? The honest framework: why your rate decides it, the four factors that matter, and what comes first.
Most families think financial planning means picking investments. It actually starts earlier, with the order you put your money to work: the cash cushion, the debt, the savings rate, then the products. Here is the order of operations I walk Hudson Valley families through, and why getting it backwards is the most common mistake I see.
The question I keep hearing at intake this June: how much do I need to retire. My take on why the lump-sum number misleads and what to size instead.
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