We are a full service, independent financial planning and investment management practice founded in 1981. Our expertise supports our clients in all aspects of their financial life and in the attainment of their goals. With our fee-only compensation, we are able to offer competent advice on an array of topics without any conflicts of interest. Our investment philosophy is value-oriented and conservative with a concentration on long-term returns. Our job is to help our clients enjoy life and minimize worries. We take pride in working with families and individuals who share our values and appreciate our many unique services.

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Financial Planning Reports

The reports listed below are a series of articles about various financial planning topics. If there are any topics of personal interest that you'd like more information on, please email your request to our office.

ANNUITIES

• Getting Out of Your Annuity- CBS Markewatch

AUDITS

• IRS Audit Advice- Web Tax Center
• Tax Audit Triggers to Watch Out For, by Boston.com, 2007

BANK: How to Pick a Bank- Nine Rules to Guide You, by Gail Lieberman and Alan Levine, October 25, 2005

BANKRUPTCY: Limited Options as Bankruptcy Gets Tougher, by Andrea Coombes, October 18, 2005

BONUS CHECKS

CAR PURCHASES and HYBRID VS GAS

CARING FOR ELDERLY PARENTS

• NATIONAL CENTER ON CAREGIVING- resources and articles
• GET IT IN WRITING, A CONTRACT FOR LONG-TERM CARE HELP, by Jenny Callison, June 2008
• WHEN DISTANT PARENTS NEED YOUR HELP, Kiplinger's
• PLANNING FOR LONG-DISTANCE CARE

CHARITY

• CHARITY SITES THAT LET DONORS CALL THE SHOTS, by Tyler Hill, August 11, 2008

CHILDREN

• PRACTICAL MONEY COURSES MISSING IN SCHOOL, by Andrea Coombes
• TEACHING KIDS ABOUT MONEY
• TEACH YOUR CHILDREN WELL, by Ben Stein, Financial Planning, November 2002
• TEACH YOUR PRESCHOOLER TO MANAGE MONEY, by Marshall Loeb, April 20, 2005
• WEBSITES TEACH CHILDREN HOW TO MANAGE MONEY, CBS Marketwatch, June 2005
• WEBSITES FOR YOUNG INVESTORS

COLLEGE FUNDING (click here for additional articles, worksheets and financial aid information)

• FIVE WAYS TO GET MORE FINANCIAL AID, by Stacey Bradford, SmartMoney.com, January 3, 2007
• BEST WAYS TO GET COLLEGE LOANS, by Robert Tomsho, WSJ, August 12, 2008
• COLLEGE SAVINGS STRATEGIES BECOME KEY AS CREDIT CRUNCH HITS LENDERS, by Andrea Coombes, October 5, 2008
• Tough Assignment- Finding College Loans, by Robert Tomsho, WSJ, June 2, 2008
• Grads can Find Relief with Loan Forgiveness- by Melissa Korn, WSJ, July 28, 2008
• LESS COSTLY OPTIONS FOR TEXTBOOKS, by Kelli B. Grant, WSJ, August 5, 2008
• SAVING MONEY ON YOUR TEXTBOOKS, by Marshall Loeb
• LANDING THE BEST LOAN, by Kathy Yakal, Barron's Online, June 12, 2006
• COSTS AND BENEFITS of COLLEGE, Cape Cod Times, by Thomas Graf
• STATES OFFERING DISCOUNTED COLLEGE COURSES TO HIGH SCHOOLERS, by Chris Pummer, September 9, 2008

COMPUTER VIRUS TIPS

COST CLIPPING-USING THE INTERNET TO SAVE ON GROCERIES, DINING OUT & MORE, by AMY HOAK, CBS Marketwatch, June 16, 2008

CREDIT CARDS

• FINDING FRIENDLY CREDIT CARDS (CONSUMER REPORTS TOP TEN RANKING), by Andrea Coombes, October 4, 2005

CREDIT PROTECTION

• CREDIT FRAUD
• CREDIT, MEDICAL, INSURANCE & OTHER REPORTS: WHO HAS INFORMATION ON YOU - AND WHAT DO THOSE FILES SAY, by Ric Edelman, Inside Finance, September 20, 2005

DARK SIDE OF REMODELING

DEBT

• GETTING OUT OF DEBT
• CONSIDERING A HOME EQUITY LINE OF CREDIT? by Ric Edelman, January 5, 2005

DIRECT BUYING: TRY THE MANUFACTURER, by Aviya Kushner, October 27, 2005

DIVERSIFYING COMPANY STOCK

DIVORCE

ESTATE PLANNING- An Overview

• APPOINTING A GUARDIAN for your children
• CHECKLIST
• OTHER ISSUES
• DISABILITYPLANNING
• HEALTHCAREPROXIES
• SIMPLE WILLS
• TAXES
• TRUSTS

FAMILY-OWNED BUSINESS

FAMILY FINANCES: To Have and To Hold, How to Handle the Family Finances as the Surviving Spouse

GIFTS AND TAXES

• GIFTS & INHERITANCES TO CHILDREN, by Jackie Cohen, January 21, 2005
• WHAT TO DO WITH A DUD GIFT, by Marshall Loeb

GRADUATE DEGREES- FINANCING OPTIONS

HOME PURCHASES

HOUSING BILL- HIDDEN TAX TRAPS, by Eva Rosenburg, July 28, 2008

HOW MUCH ARE THOSE "CHEAP TRADES" REALLY COSTING YOU?

INSURANCE

• OFFICE POLICIES: SHOULD YOU TAKE YOUR EMPLOYER'S INSURANCE OFFERINGS, by Jennifer Openshaw, November 4, 2005
• AUTO
• INSURING YOUR TEEN, by Marshall Loeb, July 7, 2008
• TEENS ARE A SURE WAY TO HIGHER PREMIUMS, by Andrea Coombes, November 7, 2005
• DISABILITY
• FLOOD: On the Water Front: Floods Range Far and Wide, so You May Need Special Insurance, by Jennifer Openshaw, September 22, 2005
• HEALTH
• Back-to-school with Affordable Health Care, by Marshall Loeb, August 30, 2005
• MEDICAID/MEDICARE PLANNING
• MEDICARE, MEDICAID, MEDIGAP
• SHOPPING FOR A MEDICARE DRUG PLAN, by Kristen Gerencher, October 5, 2005
• MEDIGAP- Purchase policy based on price & benefits, CBS Marketwatch, August 7, 2003
• MEDICAL TAX DEDUCTIONS, by Kay Bell
• Medical policies that travel well-Check health insurance plans before going abroad, by Kristen Gerencher, December 30, 2004
• Retiree Options, by Ray Martin, August 12, 2003
• HOMEOWNERS
• Don't File Small Claims on Your Insurance, by Ric Edelman, February 2003
• Inventory Your Possessions in Case of Emergency, by Marshall Loeb, January 20, 2005
• Six tips to protect against price hikes, cancellation, by Kristen Gerencher, May 14, 2003
• LIFE
• LONG-TERM CARE ISURANCE
• LONG-TERM CARE- THE NEW RULES- January 23, 2006
• RENTERS

INTERNET WEBSITES

LOANS TO FAMILY MEMBERS, by Andrea Coombes, September 3, 2003, CBS Marketwatch

MARRIAGE

• NEWLYWEDS
• PRENUPTIAL AGREEMENTS
• TRUST BEFORE MARRIAGE: ASSET PROTECTION MOVES TO A NEW PRENUPTIAL LEVEL, by Thomas Kostigen, October 3, 2005

MORTGAGES

• ABOUT-FACE ON REVERSE MORTGAGES, by Thomas Kostigen, January 20, 2006
• LET YOUR HOME PAY FOR YOU: Reverse Mortgages Gain in Popularity, but Beware, by Jennifer Openshaw, August 10, 2005
• REVERSE MORTGAGES- Financial Planning
• MORTGAGE REFINANCING AND TAXES

NURSING HOME CHOICES- by Marshall Loeb, CBS Marketwatch.com, February 10, 2003

RENTING A CAR ABROAD

RETIREMENT INCOME AND ACCOUNTS

• RETIREMENT: MAXIMIZING 401k PLANS, by Robert Powell, January 21, 2005
• RETIREMENT FOR SELF-EMPLOYED WORKERS, by Robert Powell, September 1, 2005

ROTH 401K:

• ROTH 401K RULES OF THUMB, by Robert Powell, November 4, 2005
• TAXING DECISION- IS ROTH 401K RIGHT FOR YOU, by Chuck Jaffe, September 21, 2005

SAVINGS BONDS

SAVING MONEY-10 STRATEGIES TO SAVE MONEY, by Mary Rowland

SOCIAL SECURITY: WHAT TO EXPECT

TAX INFORMATION AND ARTICLES

TRAVEL

• CELL PHONES ABROAD- LEAVE THEM AT HOME, by Brett Arends, July 29, 2008
• CURRENCY CONCERNS: Choosing the right payment option when traveling overseas, by Jennifer Openshaw, October 18, 2005.
• FUN PARK FOR LESS, by Liz Pulliam Weston, MSN Money, August 5, 2008

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