Getting Creative with College Funding

Cameron Hamilton

Atheneum

In our previous discussions about college planning, we’ve discussed where and how much to save while acknowledging that these questions require several assumptions.  Is it sensible to make saving for college a major financial goal when there’s no guarantee the child will attend?  That’s a tough question for families and for this reason, we favor … Continued

Year-End Planning Ideas and Changes for 2019

Frank Yozwiak

Weekly Update

It’s the most wonderful time of the year! Sure, we have the holidays all around us, the smell of pine trees and nutmeg fills the air, the glow of the fireplace keeps our loved ones warm, and sparkling lights decorate our neighborhood streets.  But let’s be honest, we all know everyone truly loves the end … Continued

Educating Heirs on Student Debt

Cameron Hamilton

Atheneum

One of my favorite television shows is Shark Tank, which shows aspiring entrepreneurs pitching their business plans to seasoned investors, the “sharks,” in hopes of an investment.  The sharks use their own money to invest, so they ask tough questions to help evaluate the business’s potential.  Have they demonstrated sales?  How much does it cost … Continued

The Market is Down Again???

Andy Reynolds

Weekly Update

In general, most people understand that the economy tends to be cyclical with times of growth, followed by times of contraction.  Economists describe this rise and fall as the “business cycle”.  A typical business cycle will include an expansionary time (things are starting to get better), followed by a peak (things are as good as … Continued

Unwinding QE – The New Grand Experiment

Brian Burton

Weekly Update

Ten years ago, the Fed launched what many refer to as the world’s biggest economic experiment in the history of central banking with its quantitative easing program.  With the U.S. financial system in extreme turmoil and the Fed funds target rate already near zero, the U.S. Federal Reserve was forced to take unprecedented measures in … Continued

How Much to Save for College

Cameron Hamilton

Atheneum

Will your child wow you with a 4.0 GPA in high school or do they believe C’s get degrees?   Are their sights set on private colleges in expensive cities or the public university up the road?  Do they know their path, or will they meander through three majors over six years?  If you know the … Continued

Healthcare Income Pitfalls

Cameron Hamilton

Weekly Update

We love seeing those we work with succeed.  On a weekly basis we get to be cheerleaders when we’re among the first to learn about a promotion, a sale, or some other windfall that will leave a family in a better place financially.  Nearly everyone agrees that more income is good, the one exception being … Continued

The Complicated Calculations of College Costs

Cameron Hamilton

Atheneum

Parents of college-bound students are dealing with a chicken-or-egg dilemma.  When it comes to student aid calculations, it just about requires a PhD to understand how to fund a PhD.  Different schools use different methods to evaluate different families, and when they get the results, they interpret them differently!  Let’s wade into the wishy-washy world … Continued

Rates Jump, Markets Fall

John Boardman

Weekly Update

Last week provided market drama not seen in some time.  Although US markets were up on Friday, all domestic indices were down significantly for the week.  Whenever we experience such a week, we find it valuable to objectively review the root causes.  In every market environment, there is typically more than one factor at play.  … Continued

College Savings Vehicles

Cameron Hamilton

Atheneum

So often in life and in financial planning, perfect can be the enemy of good.  This is certainly the case when it comes to saving for college.  There are many ways to go about it, but the most important choice is the choice to begin saving.  Nonetheless, we often meet parents of five- and ten-year-old … Continued