New Jersey property taxes remain among the largest expenses facing homeowners and retirees. The good news is that the State currently offers three major programs designed to offset that cost: ANCHOR, Senior Freeze, and Stay NJ.
The Most Important Question in Retirement
Most retirement planning conversations revolve around numbers: how much you've saved, what your withdrawal rate should be, when to claim Social Security, and how to minimize taxes on your distributions. These are essential questions, and getting them right matters enormously. But there's a question that deserves just as much attention and gets far less of it: once the paycheck stops and the calendar clears, what will you actually do with your time, your talents, and your money?
The Best Inheritance Might Be the One You Give While You’re Still Alive
Own It: How HIGHLAND’s Culture Comes to Life Through Our Annual Day of Service
Values-Based Investing: Aligning Portfolios with Purpose
Your Most Important Business Decision Is Not a Business Decision
In July, I had the opportunity to participate in an NJBIZ panel discussion focused on family-owned businesses. During the discussion, I shared an analogy that has become one of the simplest ways I explain how I think about planning because I believe it applies well beyond business owners.
Midterm Elections on the Horizon: How Markets Typically React
Every two years, America holds another election. Every two years, headlines call it the most important of our lifetime. Investors have heard that before. Markets have lived through wars, recessions, inflation, and constant turnover in Washington. Over long periods, stock prices track earnings, innovation, productivity, and human ingenuity — not election results.
If Everything Is Breaking News…Is Anything Really Breaking News?
Twenty years ago, "Breaking News" meant something extraordinary had happened. Today, it means someone sneezed near a microphone. Every hour brings another flashing banner. Markets tumble. Experts speculate. Social media erupts. Before lunch, a new "breaking" story replaces the first one.
The Boring Portfolio Wins: Why Diversification Beats Chasing the Next Hot Stock
I'm heading to Portugal this summer, and like any good trip, the itinerary has a little bit of everything: a few days wandering through Lisbon's hills, a stretch on the Algarve coast, even a detour into the quaint fishing village of Cascais. No single stop makes the trip. The magic is in the mix. Investing works the same way, yet most people plan their portfolios like a one-city vacation—all in on the destination that's trending, and hoping it delivers.
