Your Tax Refund & The 50/50 Rule

By Melissa Tosetti Were you lucky enough to receive a tax refund? If so, before you start planning on how you’re going to spend it, can I ask a personal question?  Do you suffer from Goldfish Syndrome? Let me explain. Over the past eight years, I’ve worked with clients who make $60,000 a year and regularly contribute to their 401(k) …

High Salaries Don’t Make You Rich

By Melissa Tosetti A high salary does not equate wealth. I pulled the line above from an article I came across titled: Why people who earn a lot of money still can’t pay the bills. The author, Steve Adcock, frankly confesses his own struggle and goes on to say: In fact, high salaries are deceptive. They make us feel rich, …

An Affordable Emergency Kit

By Melissa Tosetti This article was first published in February 2017. In light of the severe weather recently affecting large parts of the United States, we feel its message is still relevant and a timely reminder is warranted. Like so many others, I’ve been glued to Facebook over the past week and a half monitoring how my friends are faring …

Start Planning that Summer Vacation!

By Kevin Gibbons With the extreme weather hitting much of the country, many of us are dreaming about getting away to someplace warm and fun. While this may be a natural time for us to fantasize about laying on a beach or hiking through green fields, it is also the ideal time to actually plan for our summer vacations. June …

Getting Back on Track with Your Resolutions

By Kevin Gibbons We’re in the last week of January. That’s a good time to check how we are doing with our New Year’s Resolutions. Most behaviorists agree that 30 days is a good period for establishing a new habit. Whether you are on track or not, it is important to periodically check in. So, let’s talk about where we …

Spending Plans for All Incomes are Gaining in Popularity

By Kevin Gibbons Paul Sullivan recently wrote an article in the New York Times about how Merrill Lynch is helping rich clients budget “like everyone else.” Merrill Lynch’s Center for Family Wealth Dynamics and Governance is creating a document for wealthy clients entitled “Considerations for Decision-Making around Expenditures.” They have found that their wealthy clients are looking for help determining …

The 9 Savvy Money Habits

By Melissa Tosetti Success lies in good habits.  If something is a habit, it’s routine and the repeat of that routine builds to success. Over the years of working with clients to help them turn their day-to-day financial situation around, we’ve identified nine habits that are key to start living and sustaining a Savvy lifestyle. While the majority of the …

Holiday Triage

By Kevin Gibbons Hanukkah ended on December 10. Christmas is just a few days away and in a little more than two weeks we’ll be celebrating  New Year’s Eve. All of your carefully orchestrated plans for the perfect holiday are coming together and once again, everyone is going to have a joyous celebration at your house, with every last detail …

Schedule Time to Relax?

By Melissa Tosetti According to Facebook, the majority of my community is currently stressed out, exhausted or sick – and, as I type this, it’s only December 8th. During any given week, our calendars are packed with errands and must-dos on top of which we try to squeeze in our want-to-dos. In the last six weeks of the year we …

Grocery Delivery – Worth It?

By Melissa Tosetti One of the key habits of Savvy Living is getting to the grocery store on a weekly basis. But what if you’re schedule is so irregular that it’s impossible to put on your calendar, or you absolutely hate going to the grocery store? If either scenario applies to you, it may be worth having your groceries delivered. …