Making Cents: The Ups and Downs of Family Owned Real Estate

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

Some families intentionally pool their resources to make investments in real estate. Others inherit properties and become partners, whether that was their plan or not. Either way, owning real estate with family members can be a great way to benefit from family resources or be the straw that breaks the camel’s back with respect to family harmony.

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Election Volatility

November 7, 2018

The potential outcomes of the midterm elections have been dominating the news cycle lately, and we know from history that the markets typically do not like uncertainty. With the Democrats taking control of the House of Representatives, and Republicans maintaining their majority in the Senate, this clarity may bring some reassurance for investors.

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Making Cents: What to do with excess retirement funds?

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

For many of us, having too much money in a retirement plan sounds like a dream come true. But for those who have done a great job saving throughout their working career, living with more in retirement savings than you need may somehow feel like a burden. Required minimum distributions (RMD’s) and the complexities of estate planning for retirement benefits can be complicated. There are ways to minimize this burden, but not all of them are intuitive.

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Making Cents: Thinking of another state to save taxes

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

We haven’t seen the first frost here in New England yet, but already I hear rumblings of people packing up and making plans to ship their cars south for the winter. Avoiding snow is the main objective of most snowbirds. Eventually, however, many snowbirds learn about the tax advantages of states like FL or TX, and want to declare that state as their legal domicile.

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Market volatility update

October 11, 2018

The volatility that is often associated with the month of October has arrived with the market sell-off on Wednesday, October 10. Experiencing market declines and increased volatility can be unnerving for any investor, but if we can take a step back and see the big picture, that the market and economic environment remain positive, it can be easier to weather these challenging periods. 

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Making Cents: Temporary Renting of Your Personal Real Estate Has Many Possible Risks

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

Whether it’s called home or room sharing, short term rental arrangements (or whatever the regulators ultimately call it), millions of people have jumped on the bandwagon of either renting or advertising rooms for rent for as short as a single night. This may work wonders for your cash flow if you need extra money, but it also has a set of income tax and risk management considerations that can’t be ignored.

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