Your 1040: What it Says About You

It was with a sigh of relief that I completed our family’s tax work this year (full disclosure: we have a CPA prepare ours, but I did my mother’s—-hers is simpler, and it saves her a bit of money). However, rather than just filling out the forms to get the job done, a careful review […]

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2014 Q4 Market Review: A Look Behind and Look Ahead

We begin the new year by taking our regular quarterly temperature of the markets. As you know, we do not believe in making forecasts, but we also comment on what to watch for in 2015. As usual, our goal is to look at recent market results, put them in perspective, and see how that experience […]

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2014 Q3 Market Review: Volatility Returns

This quarterly market review is a bit delayed. Nonetheless, we will take our regular temperature of the markets, with a bit of an update through October, since things keep changing. As usual, our goal is to look at recent market results, put them in perspective, and see how that experience should set our expectations going forward. […]

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Seven Financial Lessons from the Greatest Generation

This month’s post is a bit more philosophical than usual. Often I provide market reviews, the latest on Washington’s background chatter on things financial, Federal Reserve policy, etc. In other works, hard information you can put to use. But equally important to information is the mindset we bring to money. Some people can have all […]

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Nola Kulig, CFA, CFP® accepted for Membership in the National Association of Personal Financial Advisors (NAPFA)

Local Financial Advisor Joins Leading Association of Fee-Only Financial Planners Nola Kulig of Kulig Financial Advisors in Longmeadow, MA has been accepted for membership in the NATIONAL ASSOCIATION OF PERSONAL FINANCIAL ADVISORS (NAPFA). With membership, Kulig becomes affiliated with an organization of more than 2,400 of the most-qualified financial advisors in the nation who deliver […]

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IRA Rollovers: Important Rule Changes

We have historically recommended that clients do trustee-to-trustee transfers when transferring assets from 401(k) to IRAs. But a recent ruling gives you yet another reason to avoid taking a check and along with it, the responsibility of making the rollover within a short window of time to avoid penalties. Please see http://www.usatoday.com/story/money/personalfinance/2014/04/06/irs-ira-rule-change-rollover/7317035/ for a summary. […]

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Upheaval at Pimco: What it says About Using Active Management

Recent events at Pimco illustrate how things can change even at the best of firms. We discuss how this illustrates the monitoring required if you use active managers, the limitations of many 401(k) plans, and how it relates to our philosophy on using mostly passive investment in client portfolios. This month’s post covers: Background on […]

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