The Compass to Your Financial Map

By Melissa Tosetti We’ve encountered a high volume of clients that have the habit of tracking their spending; but it’s not helping them because they’re missing the last vital step – to regularly review what they’ve tracked. Their spending has been captured, but the information that will tell them if they are on or off track is unused.  By taking …

Don’t Panic – But Do Act

By Kevin Gibbons Everyone talks about the importance of starting to save for retirement early in your life. There are countless articles and podcasts advising young earners right out of college (and even some talking to teenagers) to start saving right away. And make no mistake, that is good advice. But even if you are more advanced in your life …

The Chicken Salad Habit

By Melissa Tosetti The title I would have preferred to use is: “Lessons I Learned From My Grandmother About Always Having Something In The Fridge To Easily Eat.”  Sadly, that title was far too long. Instead, I went with a habit the Tosetti Family has adopted based on the lessons I learned from Grams stemming from her days of having …

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) …

I’m Still Learning How to Adult…

By Kevin Gibbons I am embarrassed to admit that I finally learned something about tax preparation, after more than twenty years. For years, my wife and I had our taxes done by a major national tax service. For years, we received a significant federal refund and had to pay a significant amount on our state (California) taxes. We always claimed …

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 …

My Cookbook

By Melissa Tosetti At one time, I had recipes filed on my computer, bookmarked on my browser, in cookbooks tagged by dog-eared Post-it® Notes as well as random printed copies spread across the house.  Trying to find a specific one on a given day was never an easy task. On a visit to my mom about 4 years ago, I …

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 …