News & Insights2020-09-16T13:19:48+00:00

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Handling Market Volatility

Conventional wisdom says that what goes up must come down. But even if you view market volatility as a normal occurrence, it can be tough to handle when your money is at stake. Though there's no foolproof way to handle the ups and downs of the stock market, the following common-sense tips can help. Read More

Dealing with Periods of Crisis

By definition, a crisis is a turning point, a time when you have to make crucial decisions (often suddenly) that will affect your future. Although smart planning is the key to effectively dealing with periods of crisis, you may find yourself suddenly dealing with an unexpected event that you didn’t prepare for, and you wonder what to do next. Whether you’re planning ahead or dealing with a crisis now, take control. There’s no escaping the fact that a crisis is a life-changing event, but how you handle a crisis will, in part, determine whether your life changes for the better or for the worse. Read More

New Spending Package Includes Sweeping Retirement Plan Changes (SECURE Act)

The $1.4 trillion spending package enacted on December 20, 2019, included the Setting Every Community Up for Retirement Enhancement (SECURE) Act, which had overwhelmingly passed the House of Representatives in the spring of 2019, but then subsequently stalled in the Senate. The SECURE Act represents the most sweeping set of changes to retirement legislation in more than a decade. Read More

IRA and Retirement Plan Limits For 2020

The maximum amount you can contribute to a traditional IRA or a Roth IRA in 2020 is $6,000 (or 100% of your earned income, if less), unchanged from 2019. The maximum catch-up contribution for those age 50 or older remains at $1,000. You can contribute to both a traditional IRA and a Roth IRA in 2020, but your total contributions can't exceed these annual limits. Read More

Understanding Risk

Few terms in personal finance are as important, or used as frequently, as "risk." Nevertheless, few terms are as imprecisely defined. Generally, when financial advisors or the media talk about investment risk, their focus is on the historical price volatility of the asset or investment under discussion. Read More

Sudden Wealth

What would you do with an extra $10,000? Maybe you'd pay off some debt, get rid of some college loans, or take a much-needed vacation. What if you suddenly had an extra million or 10 million or more? Now that you've come into a windfall, you have some issues to deal with. You'll need to evaluate your new financial position and consider how your sudden wealth will affect your financial goals. Read More

Data Breaches: Tips For Protecting Your Identity And Your Money

Large-scale data breaches are in the news again, but that's hardly surprising. Breaches have become more frequent — a byproduct of living in an increasingly digital world. During the first six months of 2019, the Identity Theft Resource Center (ITRC), a nonprofit organization whose mission includes broadening public awareness of data breaches and identity theft, had already tracked 713 data breaches, with more than 39 million records exposed. Once a breach has occurred, the "aftershocks" can last for years as cyberthieves exploit stolen information. Here are some ways to help protect yourself. Read More

Investment Planning Throughout Retirement

Investment planning during retirement is not the same as investing for retirement and, in many ways, is more complicated. Your working years are your saving years. With luck, your income increases from year to year as you receive promotions and/or pay raises; those increases offer some protection against rising costs caused by inflation. Read More

Estate Planning: An Introduction

By definition, estate planning is a process designed to help you manage and preserve your assets while you are alive, and to conserve and control their distribution after your death according to your goals and objectives. But what estate planning means to you specifically depends on who you are. Your age, health, wealth, lifestyle, life stage, goals, and many other factors determine your particular estate planning needs. Read More

Financial Planning: Helping You See the Big Picture

Do you picture yourself owning a new home, starting a business, or retiring comfortably? These are a few of the financial goals that may be important to you, and each comes with a price tag attached. That's where financial planning comes in. Financial planning is a process that can help you target your goals by evaluating your whole financial picture, then outlining strategies that are tailored to your individual needs and available resources. Read More

Whitepapers

How Convertibles Can Help Drive Your Portfolio

Most people want their money to generate some blend of (1) capital preservation, (2) current income, and (3) appreciation potential. When you think about it, very few individual investments offer all three. Stocks can give you appreciation and dividend income. Some are safer than others. But no stock can structurally offer capital preservation. Convertibles are one of the few exceptions… Learn More

Recent News

Stock Market Volatility Complicates Investment Advice

Worcester Business Journal
Financial experts have been in close contact with worried clients for months, answering questions and calming nerves about what’s happening with their investments. “We’re preaching caution,” said Geoff Dancey, managing partner and portfolio manager at Cutler. He’s been reminding clients to keep a longer-term view when they can. Read More

Cutler Capital Names Hogan Managing Director Of Wealth-Advisory Team

Worcester Business Journal
Michael E. Hogan of Providence has been named the managing director of Cutler Capital Management’s wealth advisory team in Worcester. Read More

Bill Feingold Named Senior Convertible Analyst Cutler Capital

Worcester Telegram
At Cutler Capital, Mr. Feingold will provide research and analysis of the US convertible market, helping the firm’s investment portfolio managers balance income, growth and risk for their clients. Read More

Bryan Legault Named Client Service Associate At Cutler Capital

Worcester Telegram
Bryan R. Legault has been named client service associate at Cutler Capital Management, LLC, an investment management firm. Mr. Legault previously served as an investment specialist at Bank of America/Merrill, where he performed client service for self-directed investment accounts. Read More