Making Cents: What is a robo-advisor?

By: John P. Napolitano, CFP®, CPA, PFS, MST

In the news frequently these days is the term Robo Advisor.  Exactly what is a Robo Advisor and can it really replace a human being? The answer is, it depends on what you are looking for and what you are currently receiving from your service providers.

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Making Cents: 401K Trustees need to pay attention

By: John P. Napolitano, CFP®, CPA, PFS, MST

If you own a business, you may have been named as the trustee of the retirement plan when it was established.  The trustee of a retirement plan is responsible, in short, for just about everything.  In the 401K sense, that trustee is not responsible for selecting the investments for each and every participant.  But that trustee is responsible for selecting the investment options that are available to employees under that plan.

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Making Cents: Real Estate as an Investment

By: John P. Napolitano, CFP®, CPA, PFS, MST

Most people own some real estate, and for the most part, those who don’t own property still list their desire to own as a part of their financial forecast. Whether it is your primary residence, a second home or an investment property, there are several ways to look at real estate from an investment point of view.

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A Day to Remember

October 19th will be the 26th year anniversary of one of the wildest and craziest days of my life. I'm referring of course to the crash of '87, otherwise known as "Black Monday". The numbers were staggering: the Dow Jones Industrial Average lost 508 points or 22% of its value in a span of just 6.5 hours. This was the largest one day drop in the history of the index.

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How are your Buckets Filled?

One strategy utilized to allocate assets and generate retirement income is commonly called the bucket strategy.  In the bucket strategy, a retiree would consider setting up different buckets of money with a different investment strategy for each bucket.  The buckets are established utilizing a time horizon. 

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