4 Ways to Spend Your Income Tax Refund

Each year about 8 out of 10 American taxpayers will receive a refund.  There are arguments both for and against having so much tax withheld from your paycheck or other income sources that you wind up getting a refund.  Some argue that overpaying taxes is essentially an interest free loan to Uncle Sam.  Others prefer to use tax withholding as...

Kristina Mello Joins StrategicPoint Investment Advisors as Financial Planner

Providence, RI— (March 26, 2018) – StrategicPoint announces the addition of Kristina Mello, MBA, to their team as Financial Planner, further expanding the firm’s capabilities in wealth management. StrategicPoint Investment Advisors, LLC, an independent, fee-based financial advisory firm, is pleased to announce the hiring of Kristina Mello as Financial Planner. In addition to working closely with our advisors to help...

The Stock Market’s Balancing Act

Investing is a delicate balancing act, weighing the good news against the bad. Fortunately, for most of the last year and a half, we didn’t hear a lot of really damaging news. Unfortunately, that has changed recently and escalated this past week.  Investors usually can handle one challenge fairly effectively, but when the pace of concerns picks up and multiple...

Have You Completed Your “What If” List?

As we are now in the full swing of tax season and you are likely gathering all the relevant documentation needed, there might be an additional item to add to your checklist of to do’s: your asset inventory, or as I like to call it my ‘what if’ list.  An asset inventory list is essentially a detailed directory of your...

Who…..or What is to Blame For the Recent Market Volatility?

The Supreme Court back in 1919 found that while the freedom of speech is protected under the First Amendment, it does not however protect “dangerous speech.” The definition of dangerous speech being purposely vague. An example was provided by Supreme Court Justice Oliver Wendell Holmes in which he said “falsely shouting fire in a theater and causing a panic” would...

Should I accept less money on the sale of my house with a cash offer?

Now that real estate is heating up again and inventory is low, more buyers are bidding on houses and some believe offering cash just might give them the inside track. But what if these cash offers are lower than other offers. Is it worth it? It’s a good question and one that needs further exploring. As with many questions such as this, there really isn’t a right or wrong answer, rather what makes the most sense for you. Key points to consider: •    Do you need to...

Get the Checklist: Organizing Your Finances for the New Year

New year, new budget! The holidays are over, 2018 has arrived, and we’ve begun a new year to meet your financial goals. Don’t let unexpected expenses derail your plans for the new year. The start of a new year is the perfect time to clear off your kitchen table and take an in-depth view at your overall financial situation. In...

The Case for Risk Management in 2018

A friend recently said to me, “Anyone could make money in 2017.” Quite true, allowing for the slight exaggeration on “anyone.” The average equity investor benefitted from significant gains in the markets; The S&P rose 19%. IXUS (iShares Core MSCI International Stock Index) gained 28%, while even the traditional US Aggregate Bond Index had a decent year rising 3.54%. In...

Top 3 Considerations When Selecting a 529 Plan

If you are saving for college for your children, a 529 college savings plan is one of the best vehicles to utilize.  A 529 plan is a tax-deferred account that allows you to save money and invest it for future college expenses.  As long as you use the funds for qualified college expenses, withdrawals from the account are tax free. ...