Have you ever wish you could go back in time for do-over? If you were suddenly twenty or thirty years younger, what would you do? What would you change?

Are you one of those folks who always works hard and saves regularly, yet still feel like you can’t get ahead? Maybe you have a decent salary and good benefits, and you try and stick to your budget as much as you can - but you feel like the prospect of retirement is worlds away?

This week, I’d like to offer four strategies that can help you limit your RMDs if you find you don’t need - or want – the additional income. One straightforward answer is to simply keep working.

ESG stands for Environmental, Social and Governance and refers to the three key factors when measuring the sustainability and ethical impact of an investment in a business or company.

A growing number of individual investors are also starting to evaluate companies using ESG criteria to screen their own investments as a way to support their personal social agenda.

It’s 2024 – yes, already – which means it’s “that” time of year again. And by “that”, I mean the time when millions of Americans perform the sometimes anticipated, sometimes dreaded task of setting New Year’s resolutions in an effort to better ourselves in the coming year.

For a variety of reasons, many women already feel they are behind when it comes to being financially prepared for retirement. There are many ways their financial lives can be thrown off-track during their working years that can affect their retirement security.

Given the significant wealth transfer expected to pass between generations in the coming decade, (Boomers are estimated to have a whopping $30 trillion in wealth coming to their loved ones!), these conversations are coming at a crucial time.

Have you ever thought about what would happen if you were to save too much money for retirement? Folks, it’s a real thing. If you’re one of those rare, disciplined savers who lives a modest life, you may find that you actually have more than you’ll ever need in retirement, maybe lots more.

most Americans are behind on this lofty goal. In fact, according to Federal Reserve Survey of Consumer Finances, a mere 10% of Americans have saved a million or more for retirement. Just how far off are they? Quite a bit.

In theory, AI is an amazing concept that has the potential to improve lives in so many ways. But what about its use in the investment world? Is it the latest and greatest idea for revolutionizing the financial world? I say no, for a variety of reasons. And this week I’d like to dig a little deeper into AI’s benefits as well as its drawback when it comes to your finances.

Before 2023, we hadn’t experienced a bank failure since 2020, during the Covid pandemic, so this might make you wonder just what in the heck is going on with these banks? And how can I possibly protect my money if even our banks can fail?

While I understand the simplicity of having a savings number that you’re striving for, but this can’t be your only savings goal. Once you stop working, that paycheck stops coming in and you need to rely on your savings to produce the income you need to live.


ou know, learning and implementing good money habits is one of the best investments you can make for your future self. But oddly enough, there’s a real lack of information geared towards the younger generations, and millennials in general.

Cutter Financial Group is thrilled to announce its fourth consecutive win as the 'Best Financial Planner' in The Best of the Upper Cape awards, designated by The Enterprise.

They say that good things come to those who wait. And when we’re talking about Roth IRAs, this is certainly true, since we don’t typically reap their benefits for years.

Making a marriage last is hard work. This is no secret to anyone who is or has been married, because life gets complicated.

For many retirees receiving Social Security benefits, it’s easy to be frustrated. 2023 ushered in an 8.7% increase, the largest raise in Social Security benefits in over forty years.