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With the overwhelming amount of news in the media space right now, including the war in Iran, how markets are reacting, AI and more – it's more important than ever to consider HOW and WHERE you are getting your information.

Proactive tax planning is crucial for wealthy individuals. Their financial situation may be incredibly complex, necessitating sophisticated tax strategies as they work toward specific tax planning outcomes. Here are seven tax planning...

How did the market react to the United States and Israel starting a war with Iran? That was the question on everyone’s mind when the geopolitical news broke last week so far... as we may have predicted – it's not too crazy. While...

The journey to prosperity involves more than just a high income. It requires strategic planning, wise investment decisions, and a keen understanding of your financial landscape. On Financial Professional Day, explore how working with a...

After almost a half century of time servicing clients, we often see the same misconceptions that come across our desk. The type of things that if it sounds too good to be true, we should be asking a LOT of questions. In today’s episode...

We have been following the fast‑moving events unfolding in the Middle East and wanted to share our current perspective, what we believe matters most for markets, and how we’re thinking about your financial plans in light of recent news...

As wealthy people approach their golden years, retirement planning often becomes a focal point of their financial strategies. One aspect of this planning that sometimes creates confusion or misinterpretation is the role of Social...

At this time of the year, the office is getting a flurry of phone calls about tax season. While most clients are calling about their regular tax planning, we are always surprised about the number of clients who reach out with questions...

Tax filing season can be a stressful time for many individuals. Dealing with the IRS and ensuring compliance with tax regulations can seem daunting. However, with proper preparation and a proactive approach, you can navigate the tax...

Have you ever heard of the term “gray divorce”? If not – it might be something you become more aware of as you get further into retirement. Put simply, a gray divorce is when a couple over the age of 50 separates, typically once the...

We are excited to announce that Freedman Financial has been named to the Forbes/SHOOK Best-In-State Wealth Management Teams for 2026!The firm is honored to be included on this list and to be recognized for the work we've done for...

Becoming Medicare age is a significant milestone for many people. However, figuring out exactly when, what to do, and how to enroll might be overwhelming. If you’re turning 65 soon (or are already there), you may wonder: Is Medicare...

On this episode of Dollars & Sense, Marc and Christian dig into how each generation is reshaping the way they save—and spend. The duo discusses retirees who’ve saved so well they’re now searching for meaningful ways to enjoy their money...

Investors often hear that they should expect annual stock market returns of around 5–10%, but a look at the S&P 500’s performance over the past 100 years tells a very different—and more instructive—story. While the long‑term average...

This week’s episode is a bit of a different one...Marc has driven an electric car for almost a decade, but recently he decided to take Marion for a spin in his car... but with a catch – he wasn’t the one driving! Driveless cars have...

Tariffs—taxes imposed on imported goods—have become an essential factor for investors to consider. They are typically used to protect domestic industries from foreign competition by increasing the costs of imported goods. However,...

Like clockwork, the Social Security situation is scaring some of our clients and the general population. But should it be? In today’s episode of the show, Marc and Marion discuss the real information surrounding Social Security, plus a...

Any time we enter into a new year, it’s a normal time for our clients to check in on their financial accounts and portfolio. For many, the numbers may look better than expected based on market performance over the last three years...

We’ve got the new year still on our mind for this week’s episode. As many are looking at their financial plans at the start of the year and potentially scratching their heads, Marc and Marion are dedicating the show to advice for...

Once you are in your 60s, you are likely to focus less on growing your retirement funds than answering, "When do I retire?" And once you crack open your nest egg, how should you allocate its contents? The answer often lies in a...

Wills and Trusts are both very common tools used in estate planning; however, they each have different functions. Generally, a will helps individuals with simpler estates, with minor children, and a more straightforward approach when...

With the new year officially here, it’s predictions time! Join Marc, Marion and Christian for our longest episode ever of the show! The trio will be going one-by-one through their big financial and market predictions for 2026.And you...

While the Internal Revenue Service may not be your favorite federal agency, criminals posing as IRS representatives are unquestionably the much bigger problem. Here’s what to know to protect yourself. Scammers set increasingly...

It’s the end of the year edition of Dollars & Sense! Marc & Marion close the door on 2025 and welcome in the New Year in this week’s episode. As another calendar year passes us by, how would we rate 2025? Good...bad... somewhere in...

Since it first became available in 2006, many employers have added the Roth 401(k) to their benefit packages as a retirement savings option. A Roth option is available for Individual Retirement Accounts (IRAs) and 401(k) and 403(b)...

It’s the end of the year and Marc and Marion have plenty to talk about before the calendar flips to 2026. In today’s episode of the show, the duo go over a myriad of topics, inc Clients' portfolios exceeding expectations in the...

A high-yield savings account (HYSA) is one of the tools you may use to manage your money. When interest rates are significantly higher than those of traditional savings accounts, HYSAs may be used for building an emergency fund, saving...

As we approach the final days of the year, Marc and Marion are busy at the office. Amid the year-end hustle, they want to ensure clients understand key tax strategies before 2026.Tune in as they cover capital gains distributions,...

In times of economic uncertainty, it’s easy to let financial stress overshadow everything else. And sadly, the holiday season isn't exempt from this. But here’s a little insight you might overlook: Holiday cheer might be a rewarding...

This week’s episode is one semester in the making! Earlier this year, Marc and Christian were asked to serve as mentors in financial planning class at Marc’s alma mater, Babson College. And as the semester wrapped up recently, they...

In 2025, we observed a market environment where fiscal and monetary policy decisions, rather than traditional business fundamentals, were the primary drivers of market direction. This shift means that policy influence and market...

Part of the joy of making money and building wealth is not solely the aim to live a flexible life of convenience; it is also giving to those we love. Typically when we think of passing down money to loved ones, it is through a will...

In today’s special episode of the show, Marc and Marion are LIVE from Putnam’s Pantry once again for our annual client event. In between enjoying some ice cream and sweets, the duo spends some time breaking down Freedman Financials’...

The holidays are a time for giving, gathering, and, if you’re like many young professionals, grinding through year-end deadlines, social expectations, and dealing with the pressure to spend. Between gift lists, travel plans, and...

Explore the most common retirement and investment accounts for the 2026 tax year, including their contribution limits and when taxes apply—whether upfront, during growth, or at withdrawal.

When you think about beneficiaries, you probably picture loved ones—not the IRS. But taxes can quietly claim a big slice of your legacy if you don’t plan ahead. In this episode, Christian uncovers the hidden role Uncle Sam plays in...

Philanthropy today is different than it was in the past. It was once common for donors to distribute their wealth through smaller grants to numerous organizations. Over time, best practices for charitable giving have evolved, and...

Throughout the years, we have had clients come to use with this exact situation: “I’m trying to help with my declining parents’ financial stuff. How can you help?” While this may not be your situation at the moment, almost everyone...

Estate planning is also significantly relevant for single individuals without children. It is a protective measure that ensures assets are distributed according to one's wishes and helps minimize legal disputes among family members....

As you approach retirement, the familiar rhythms of daily life—your work routine, social circles, and personal rituals—may begin to shift. These changes can feel disorienting, but they also open the door to something new:

You work your entire life with the hope that one day you may be able to retire when you choose and have the free time to take advantage of all of the social activities, travel, and hobbies you couldn’t do regularly with the...

In this week’s episode of the show, Marc is previewing an upcoming trip he’ll make to Orlando where he’ll be speaking to several financial advisors who are looking to grow their business. But while many of these advisors are...

As of the halfway mark in 2025, bond yields have been the most attractive in decades. This comes on the tail of a period of the Federal Reserve aggressively tackling inflation. For investors, higher yields suggest bonds are offering...

Our audience has been asking for other voices to join the show for a while now, so we decided to start at the top! On this VERY SPECIAL episode of Dollars & Sense, Marc is joined by Rich Steinmeier, Chief Executive Officer of LPL...

Navigating the probate process is a legal, mental, and emotional process. The combination of grief, legal terminology, and a potentially lengthy process can be overwhelming. However, it is possible to weather this challenging time with...

Earlier this week, Marc received a message from a client with the following question: “Isn’t an overvalued market in a poorly performing economy a sign of a pending recession or worse?” Hidden inside that question is a LOT of...

Generational wealth involves financial planning, where parents or grandparents pass wealth to loved ones after they die. Entrusting family members with receiving an inheritance is more than just getting a hold of assets or a check in...

Estate planning isn’t just for the ultra-wealthy—it’s for anyone who wants clarity, control, and peace of mind. In this episode, we break down the essentials: from understanding what each document actually does, to avoiding costly...

The One Big Beautiful Bill Act (OBBBA) of 2025 introduces a new federal tax deduction for tip income. Effective from 2025 through 2028, eligible employees and self-employed individuals may deduct up to $25,000 in qualified tips earned...

When you go into retirement, does it make sense to stay in your home? At our office, we have countless examples of clients who stay in their homes for too long while in retirement… causing headaches in other areas of life.

Heading into your retirement years brings a slew of new topics to grapple with, and one of the most maddening may be Medicare. Figuring out when to enroll, what to enroll in and what coverage will be best for you can be daunting. To...

In today's fast-paced economic environment, fluctuating interest rates on educational loans are standard. Keeping an eye on these changes is crucial as they can significantly impact one's repayment strategy and financial outlook....

Marc is back this week from an LPL Financial conference in Hawaii and has a lot to talk about! After a quick discussion about the differences between the Fortune 500 and S&P 500, Marc and Marion dive into the topic of this week’s episode:

Living a healthy lifestyle doesn’t just impact your body. It does wonders for your brain health as well.

When many of our clients reach retirement age, they are still thinking about metrics like their credit score and how that will impact their retired life. 

Owning luxury assets such as exquisite homes, cars, yachts, and priceless art pieces requires safeguarding them against potential risks or loss. This situation is where umbrella insurance comes into play.

In today’s episode of the show, Marc and Marion are discussing how even when you come into a large sum of money, whether it’s millions or billions, most people don’t want to change their lifestyle that much.

Many children will receive an inheritance after their parents pass on. In some cases, this may include significant assets.

While the summer is typically a quiet season at our office, that hasn’t been the case this year. Clients have been consistently stating that it’s been a tough year for the stock market. But is that true?

In a world where economic certainty is not guaranteed, stagnant interest rates can present unique opportunities and challenges for investors. This interest rate environment requires innovative strategies to navigate potential returns.

We are still FOCUSed on what we learned from LPL Financial’s national conference earlier in the month.  

Since it first became available in 2006, many employers have added the Roth 401(k) to their benefit packages as a retirement savings option.

Marion and Christian are back from sunny San Diego after attending LPL Financial’s national “Focus” conference this week.

Navigating the intricacies of Social Security (SS) after divorce or death can feel overwhelming, but it does not have to be.

In the middle of the year, it feels like everyone is traveling! And for both of staff and our clients, we see plenty of international travel during this time of the year.

Anyone involved in financial matters of any kind will have to deal with interest, either working for or against you.

The topic of tariffs has dominated most of the news cycle in 2025, but how much do you really know about them?

Heading into your retirement years brings a slew of new topics to grapple with, and one of the most maddening may be Medicare. Figuring out when to enroll, what to enroll in and what coverage will be best for you can be daunting.

One of the biggest things that we find clients and prospects alike get confused on is the difference between a will and Power of Attorney.

On July 4th, President Trump signed the “One Big Beautiful Bill Act,” which includes a broad range of tax reform provisions. The provisions listed in the bill may help offer the middle- and working-class Americans much-needed tax...

In this week’s episode of the show, Marc and Marion are dissecting an inquiry they recently received from a client. It basically goes like this – even with interest rates getting lower, what is in it for me? 

The One Big Beautiful Bill. Have you heard of it? After weeks of hot topic discussion on TV networks and newspapers, the divisive bill has been signed into law by President Trump.

As we hit the halfway point of the year, it’s time for some reflection and forecasting. Join Marion and Christian as they go through some of the biggest stories that hit the financial markets so far in 2025.

We started 2025 on a high note, although we acknowledged that “no market environment is ever permanent, and that change is always potentially around the corner.” Well change did come, and with it, volatility, perhaps in part because we...

The percentage of adult Americans who invest toward retirement is nearing an all-time high at over 63%.

Periodically, companies will report massive data breaches, some impacting billions of records that contain personal information such as names, addresses, and Social Security numbers.

If you’ve ready your local or national newspaper lately, you likely have seen a story or two about someone falling victim to a major financial scam.

When people think of “myths,” they often think of such stories as Pandora’s Box (the woman who took the lid off of a jar releasing all of the world’s ills upon the world, were taxes one of them?), or the Tale of Prometheus (who stole...

As we reach the halfway mark of the year, it's a prime opportunity to assess your financial planning goals and review your investment portfolio. This mid-year check-in is essential for ensuring that you stay on track to meet your...

As we approach the halfway point of 2025, it’s hard not to look back at the headlines that dominated so much of the first six months of the year and see if they are still relevant.  

If you are lucky enough to retire early before you become eligible for Medicare at age 65, you may have to contend with an expense you haven’t had to worry about while employed—the cost of health insurance.

As we officially enter the summer season next week, most of our “snowbird” clients are heading back to Massachusetts after spending the winter months down south.  

While a Roth IRA conversion may suit some, wealthy individuals may not consider this investment strategy under certain circumstances. Here, we delve into why this strategy may not be appropriate for them.

Join Marc and Marion for this special edition of Dollars & Sense recorded at Duke University in Durham, North Carolina!

As wealthy individuals age, healthcare and health insurance coverage become increasingly important. One group that may overlook Medicare is wealthy individuals, because they may be unsure whether they qualify.

Marion is back for this week’s episode of the show after a much-deserved vacation. During her time off, she noticed the overwhelming number of driverless cars she saw in service in the West Coast.

In today's economic environment, where market volatility and inflation are often unpredictable and inevitable, investing can sometimes feel like a rollercoaster. However, investing during these periods doesn't have to be a...

At our office, we often hear a phrase like “I was at work and my colleague told me about this…” More often than not, it’s something about the markets, financial advice, or economic panic.

On May 27, 1794, Thomas Jefferson opened his window, as he did every morning, at his home at Monticello and recorded the weather. It was clear and 58 degrees. Also, that year, George Washington was the sitting President, and Cornelius...

“If only I had this much money, then I could retire.” At a certain point, money can buy happiness, but it’s typically if you don’t have shelter, food, can’t clothe your children…

Living a healthy lifestyle doesn’t just impact your body. It does wonders for your brain health as well. According to the Alzheimer’s Association, an estimated 6.9 million Americans are suffering from Alzheimer’s dementia, and the...

At Freedman financial, we believe that “hope” should never be your core strategy for your financial plan. “I hope I can get a better job, save more money, my 401k does better than it did last year.”

529 plans can benefit adults in numerous ways besides being a savings vehicle for a child's education. It offers a straightforward way for adults to finance their education, take non-qualified distributions, fund a Roth IRA, and, under cert

It’s impossible to know everything when it comes to personal financial decisions, and that is one of the biggest mistakes we see with some new prospects that want to work with Freedman Financial.

Addressing wealth management comprehensively in today's market environment is essential for individuals and business entities. Given the dynamic nature of global markets and the ever-changing economic landscape, navigating investment...

In today's economic environment, where market volatility and inflation are often unpredictable and inevitable, investing can sometimes feel like a rollercoaster.

With May college graduations right around the corner, thousands of newly minted graduates will be getting their first professional paychecks soon.

Financial affluence often comes with various benefits and challenges, including the requirement for suitable insurance coverage. High-net-worth (HNW) families typically have a more complex risk profile than the average household,...

This week, Marc & Marion are breaking down “The Retirement Equation”, which is the six different components of your life that help signal your retirement plan.

Wealth and estate planning are vital for all individuals but are particularly essential for high-net-worth (HNW) individuals in the sandwich generation.

We rarely get calls when things are going well… but when things aren’t doing so hot in the markets – that’s when we hear from more of our clients than normal.

A common characteristic of high achievers is they are generally voracious readers. Elon Musk, CEO of Tesla Motors, is said to read up to two books daily, and former Microsoft CEO Bill Gates claims to read 50 books annually.

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With April being Financial Literacy Month, Marc and Christian are dedicating this week’s episode to one of the things people can struggle the most to understand about their financial situation – taxes! 

With tax season coming to an end, it’s the ideal time to use this year's tax return to help update your financial plan. If you’re in the group of one in four Americans who do not already have a financial plan, it may be time to create your

How much experience do you have with what to do when someone close to you dies? For most people, the death of a spouse or significant other may be the first or ONLY time in their life that they have to deal with it directly and financially.

“A penny saved is a penny earned.” This nugget of financial wisdom from Benjamin Franklin, shared in the late 1700s, remains as relevant today as it was then.

“Will my Social Security run out tomorrow?” NO! Amidst all the market and economic news of the past few weeks, the topic of Social Security has slowly but surely carved out a space in the discourse.

Social Security, established in 1935, provides financial benefits to the elderly, disabled, and disadvantaged groups. However, there are concerns regarding its sustainability...

With the downturn in the markets dominating the news cycle, Marc & Marion are dedicating today’s episode of Dollars & Sense to a market overview and how you should be approaching what’s going on.  

Suppose an emergency strikes and your family needs to quickly access important financial and personal information. Now, ask yourself—are these documents organized, secure, and easily accessible?

Is there such thing as a money rule that applies to almost everyone? Marc may have found it... in fact he found eight! 

What is luck? Most dictionaries define it more or less as something good or bad that happens to you, by chance or otherwise, that you find, or don’t find, desirable.

You may have seen the claim that the Social Security trust fund will run out in 2030s.... Is that a possibility? 

A critical aspect of retirement planning is understanding the rules and requirements surrounding Required Minimum Distributions (RMDs) from retirement savings accounts.

It’s not uncommon for people to claim that their financial plan is to “beat the market”. But what does that mean? And does it align with the goals that we have for our clients at Freedman Financial?

Managing retirement strategies and creating goals can help you stay focused and consistent in your financial efforts. It creates a sense of achievement while you make progress toward the pursuit of a fulfilling retirement and financial...

For those approaching or in retirement, managing Required Minimum Distributions (RMDs) is an essential part of your financial planning. Once you turn 73 (or 72 if your birthday was before January 1, 2023), the IRS requires you to...

Is $1 million the right amount to retire? What about $2 million? In today’s episode of Dollars & Sense, Marc and Marion discuss the most important question when it comes to your lifestyle in retirement.

Every so often we wake up to news reports of market volatility and global financial upheaval. Even though this is not unusual, we grow concerned and some investors panic as they watch their hard-earned money disappear before their eyes.

In this special Valentine’s edition of Dollars & Sense, Marc is on location from…. home? He’s joined by his wife Laura as they discuss several topics on this “couples and money” themed episode.

If you are a single person, Valentine’s Day probably doesn’t mean all that much to you, aside from the relief of not having to spend all of that money on jewelry, flowers, chocolates, and an expensive dinner.

When it comes to planning for retirement, there are a myriad of strategies and options available. One often overlooked method is making after-tax contributions into retirement savings vehicles.

Based on JP Morgan’s Guide to the Markets for 2025, the Russell 1000 Growth Index saw 50% of its growth last year come from just FIVE individual stocks.

Living a healthy lifestyle doesn’t just impact your body. It does wonders for your brain health as well. According to the Alzheimer’s Association, an estimated 6.9 million Americans are suffering from Alzheimer’s dementia...

Marc is back for this week's episode of Dollars & Sense, and he's guiding the ship solo as Marion is out on vacation.

Your credit and Social Security number are two of the most important pieces of personal information that you have when it comes to safeguarding your finances and even your identity.

With Marc on vacation this week, Marion is joined by Christian to discuss a very interesting topic - client's best and worst investments!

Losing a loved one can be an incredibly challenging time. Amidst the emotional turmoil, there's the daunting task of dealing with financial matters—one of which is filing income taxes.

You’ve all heard of the phrase “keeping up with the joneses” and may have even been subject to its influence. But as you start thinking about retirement, it becomes very personal to YOU. 

Required minimum distributions, often called RMDs, are IRS-mandated account withdrawals that the retirement account owner must take. These distributions must begin when the account owner reaches a certain age.

Will the stock market at the end of next year be up or down compared to where it was at the end of 2024? Will U.S. investments outperform international investments?

While starting a new year might bring a time of reflection and renewal for many couples, for others, it’s filled with planning and implementation for exiting the relationship.

It’s that time of year again. As the ball drops in a few nights, we’re bound to see gyms flooded with newcomers and little space to move in the organic food aisle at the supermarket. That’s right – it's New Years Resolutions season.

With the holidays hitting next week, it's time for some last-minute shopping! Marc & Marion have an important message in this week's episode - it's OK to spend some money!

Join us on a journey through Scrooge's experiences to learn valuable financial lessons regarding the past, present, and future.

As we roll into December, Marc and Christian have end of year planning on their mind in today’s episode of Dollars & Sense.

Looking back, 2024 clearly echoed many of the themes from 2023. By and large, the economy continued to defy expectations and surprised once again to the upside.

With Thanksgiving now in the rearview mirror, Marc & Marion are onto the rest of the holiday season and discussing the big topic of spending.

How often does your financial advisor communicate with you? In today’s special episode of Dollars & Sense on-site at Putnam Pantry, Marc and Marion discuss what they call the “72 points of communication” at Freedman Financial.

In today’s episode of Dollars & Sense, Marc and Marion go over the holistic view that Freedman Financial takes with each one of its clients.

In this week’s episode of Dollars & Sense, Marc returns and is joined by Marion as they walk through the modern day retirement equation, which is defined by: what you can control, what you can’t control and what is somewhat in your control.

“It takes a lifetime to build wealth, and you can lose it all in a second.” What threats could take your financial planning from success to a fear over where the next paycheck is going to come from?

Can you believe we are already near the end of 2024? With two months left in the year, it’s right about now that people start thinking about year-end charitable contributions.

In this week’s episode of Dollars & Sense, Marc and Marion go through the other aspects of financial planning that you should have in place in order to create a comfortable lifestyle throughout an expected retirement.

“The long term is only a collection of short-term time frames.” How does one stay involved in the short term while also maintaining a long-term vision? 

In today’s episode of Dollars and Sense, Marc and Marion discuss how the topic of net worth can often cause confusion with clients, whether it’s determining what theirs is or how it compares nationally and regionally.

“Complexity makes you sound intelligent, but simplicity makes you money” In this week’s episode of Dollars and Sense, Marc and Marion discuss one of the core components of the Freedman Financial philosophy, simplicity.

Some topics are harder to talk about than others. For example, what happens when someone gets ill, needs additional care, gets close to passing away or even passes away unexpectedly? 

Market uncertainty occurs when investors find it challenging to analyze current and future market conditions due to market volatility. Various factors, such as inflation, central bank policy changes, interest rate fluctuation, investor...

Did you know that many people leave their old 401(k)s or life insurance policies with outdated beneficiaries, only to have their assets go to someone they no longer intended? 

Listening to John Coltrane or other favorite jazz musicians is like watching the leaves swirling through the city streets on an autumn day. The cedar and oaky smoke smell from a fireplace can spark a feeling of nostalgia that takes you...

We invite you to join us for this webinar presentation and live Q&A discussion surrounding the 2024 Election. Sign up here.

It’s not just about how much money you make, but how much you keep. Capital gains taxes might sound like a complex financial term reserved for Wall Street tycoons, but in reality, they touch most investors and many homeowners.

As summer comes to a close and fall peaks its head out, many may be looking to make a change in this new season. For some, that means exploring their retirement options.

School is back in session, is your kid ready for a crash course in financial adulting? In this episode of Dollars and Sense, Marc and Marion dive into the realities of back-to-school season and what it means for parents and their children.

There are chilling similarities – but fundamental differences too On December 7, 2001, a Gallup Poll ran the following headline: “Americans Say Sept. 11 Will Be More Historically Significant Than Pearl Harbor.” That December 7th day...

In this episode of Dollars and Sense, Marc and Marion are back in the office to share valuable planning pointers addressing common financial and investment issues clients are currently facing.

Money management and investment strategy are critical areas that deserve undivided attention, particularly for HENRYs - High Earners Not Rich Yet. This demographic often earns a significant income but has yet to amass substantial...

Marc and Christian recap their break-out session entitled, Financial Planning: The Secret to a 99%, 20-Year Client Retention where they revealed the strategies behind their remarkable 99% client retention rate over the past 20 years.

When people think of “myths,” they often think of such stories as Pandora’s Box (the woman who took the lid off of a jar releasing all of the world’s ills upon the world, were taxes one of them?), or the Tale of Prometheus (who stole...

Join us for a special live edition of Dollars and Sense as we broadcast straight from the LPL Financial Focus Conference in San Diego, CA!

An adequate emergency fund helps provide both security and flexibility We're living through interesting economic times. On the one hand, markets can be unpredictable and volatile. On the other hand, economic conditions are constantly...

In our latest episode, we dive into a provocative question: Is your behavior more critical to your investing success than your intelligence?  

[QUESTION] I know that hurricane season starts on June 1. What should I be doing to protect my home (and my finances) from storms this summer? [ANSWER] This is the perfect time to take steps to help your home avoid damage from summer...

August has started off with a bang for the markets. Unfortunately, it has been to the downside rather than the upside!

Ever wondered how political shocks and economic trends really impact your investments? We dive deep into insights from our recent quarterly townhall meeting, where we simplify complex financial topics in a language you can understand.

Many parents want to provide their children with the best possible help and care, even when they transition into college. However, as the children come of age, there is much more to consider than tuition fees and dorm essentials....

What if someone sued you tomorrow? Are you prepared? While serving on jury duty, our director of financial planning, Christan Karcher realized how unexpected legal liabilities can profoundly impact both individuals and institutions.

You’re in for a treat this week as Marion Gilman and Christian Karcher team up to provide you financial advice in a language you can understand during this week’s episode of Dollars & Sense.

Have you ever questioned financial “facts” you’ve heard or seen over the years? Today, we dive deep into the misconceptions that often cloud financial decision-making.

Midyear Outlook 2024: Still Waiting for the Turn By LPL Financial Research As we reach the halfway point of 2024, a sense of persistence defines the economic and market landscape. Trends from late 2023 have continued, with...

Have you ever had your retirement plans unexpectedly disrupted? A common concern among many of our clients is the unforeseen events that can derail retirement dreams.

Got cash sitting in your bank? In our latest podcast episode, we’re diving deep into the crucial topic of maximizing your cash with higher interest rates and smarter financial strategies. Whether you’re exploring, high-yield interest...

Intense summer heat and hot stock market both demand a careful approach As the first days of summer arrive, the nation finds itself in the grip of two concurrent heat waves: one from the atmosphere and one from the financial markets....

Curious about bonds in your portfolio? With the stock market seeing ups and downs recently, many people are asking why bonds are still important. 

Ready for Summer? In this week's episode, we dive into the joys of summer travel and its ties to economic health. As we approach the warmer months, travel plans are on the rise, reflecting how people feel about the economy. 

This week, we are talking about how you can stay on track in your retirement planning, no matter what life brings your way! Many clients come to us 10 or even 5 years before they plan to retire, and we set out a comprehensive plan.

This week, we dive into a hot topic that's been buzzing in the financial world. A client on the brink of retirement shared an article by financial guru Suze Orman, who boldly claimed that $2 million is no longer sufficient for a...

A Quick and Efficient Alternative To Visiting Your Branch Logging on to the Internet is one of the fastest and most efficient ways to manage your day-to-day finances. When you take your banking online, you can check your account...

Ever feel like you need to keep tweaking your portfolio to stay on track? In this week’s episode, we’re talking about why that might not be necessary. We believe in helping our clients build portfolios that...

The vital role of inflation in planning for children’s college expenses In today's rapidly changing economic landscape, proper planning has become more critical than ever. When it comes to saving for children's college expenses,...

What do you think are the most common causes of a derailed financial plan? You might be surprised by what you find. In this week’s episode of Dollars and Sense, Marc and Christian dive into the crucial topic of how financial plans can...

For high-net-worth individuals (HNWIs), implementing healthy financial behaviors is crucial to maintaining their assets and growing wealth. Regardless of having significant financial means, embracing healthy financial behaviors must...

When you consider what it means to be rich, is it just about the size of your bank account, or is it something deeper? In this week’s episode of Dollars and Sense, Marc and Marion delve into the complex and nuanced answers to this...

Graduation season is upon us, and for many college seniors, it’s the beginning of a new chapter. As they approach this significant milestone, have you discussed with your children their plans after they graduate? In this week’s...

When people think of retirement, they often have an image formulated in their minds of what it will be like. The thing about it, the reality might not be what they expected. The internet is full of retirement information; however, not...

Insurance is one of the most crucial components of financial well-being, even though you may not necessarily receive an actual payout from a policy. Many things in life are especially valuable, such as your time, your health, your home...

If you’re looking for financial advice in a language you can understand, then you don’t want to miss out on our weekly Dollars & Sense video podcast. We are blown away that April is wrapping up and we’re heading into May. Time seems...

Everyone needs to make smart financial decisions that steer them toward financial independence. When people thrive financially, they may feel less financial stress, leading them to accomplish short and long-term financial goals. Here...

Tax season has finally wrapped up. Our team received a lot of calls with a similar tax question this year… *drum roll*…. “Why did I owe so much?!”

Both Payable on Death (POD) and Transfer on Death (TOD) are designation instructions that you add to registrations on financial accounts or property records to help avoid probate. These designations are merely a set of directions to...

Each time you start a new job, your employer will give you a Form W-4 to complete that determines the amount of Federal income tax that is withheld from each paycheck. While many people prefer to have too much tax taken out so they can...

We're halfway through Financial Literacy Month and ready to provide you with some more Dollars & Sense. This week we want to bring you into the reality check of the rationale of why we often times say, "it depends" when you ask us a...

Join us for this week’s Dollars & Sense video podcast as our Director of Financial Planning, Christian Karcher, joins Executive Vice President and Partner, Marion Gilman, to kick off Financial Literacy Month! In this episode, we'll...

When it comes to personal finances, one way to increase your savings in the long run is to spend less than you earn, or if that is too difficult, increase your income to exceed your expenses—easier said than done. In fact, it may seem...

It’s no secret that retirement and expectations surrounding it have changed a lot over the years. Marion’s grandfather was one of the first to pay into social security when it came about during his working years. At the time, you could...

If you’re looking for financial advice in a language you can understand, then Dollars & Sense is the perfect podcast for you. It’s always interesting to us how many folks think that a financial advisor primarily talks about how best to...

A Medicare Advantage Plan, also known as “MA Plan” or “Part C,” is an approved Medicare plan that private companies offer. Unlike Original Medicare, where the government pays for Medicare benefits when you receive them, the government...

Konnichiwa and welcome to a brand-new episode of Dollars & Sense with your hosts Marc Freedman and Marion Gilman. Marion and her family just returned from Japan where she immersed herself in their culture, architecture, art, cuisine,...

Regardless of the stage of life, your credit score is an essential component of your financial health when you're in retirement. A consistently strong credit score can pave the way for greater confidence, easy loan access, and lower...

As parents approach their retirement years, they often grapple with the task of writing their wills and deciding how to allocate their assets among their children. One of the most pressing questions that arise is: should children be...

You’re in for a special treat this week as Christian Karcher joins our host Marc Freedman on our latest edition of Dollars & Sense.   We all know tax season is quickly approaching, but do you know what else April is known...

We’re back for another exciting edition of Dollars & Sense. When we hear about real life stories in the office, newspaper, or on television, we try to make sense of those stories and headlines by providing financial advice in a...

Approximately 60 million workers contribute to a 401(k)-retirement plan. A 401(k) is a tax-advantaged retirement savings plan companies offer employees and is funded through elective salary deferrals. There are several benefits to...

Everyone wants to know where their 1099R form is. But not everyone will get one; like those who did not take any money out of their IRA. But wait, there’s more… if you have a personal account, an individual account, a joint account, a...

Generational wealth involves proactive financial planning, especially when parents or grandparents pass on their wealth to loved ones after they die. Entrusting family members with receiving an inheritance is more than just getting a...

A good financial professional is necessary when it comes time to manage your portfolio and work toward your financial goals. Financial professionals may differ in their approach to certain financial products and goals. However, it is...

Welcome back to a special edition of Dollars & Sense with your hosts Marc and Marion. We’re excited to launch our first video podcast just for you! We’ve spent some dollars to hopefully make some sense out of this podcast...

As our clients face retirement, they often think about how they’re going to spend their money, how they can provide support for their children, and what they can do to truly enjoy their golden years. Pay close attention, we’re about to...

The newest generation of upcoming retirees is facing a more unique and prominent dilemma than past generations have experienced: caring for family members at the same time they’re preparing for retirement. There are plenty of...

Premiums, deductibles, and coinsurance amounts for Original Medicare generally change every year. Here's a look at some of the costs that will apply in 2024. Medicare Part A (Hospital Insurance) costs for 2024 Premium for those who...

Welcome back to another episode of Dollars & Sense with your hosts Marc and Marion.   There’s been a lot of speculation surrounding the 2 pm Fed Meeting today (1/31/24) and whether they’re going to lower interest...

For decades, we’ve been conditioned into thinking that you need to attend college and obtain a degree after high school. Now, with the rising cost of college, people are questing whether it’s worth sending their children to a secondary...

Retirement planning may not be your idea of an exciting date night. However, retirement strategies and goals are so varied that couples in committed relationships need to set aside time to discuss plans for when they leave the...

LPL Financial Tax Form Mailing/Electronic Availability Dates If you opted for paperless tax forms, you will receive an EMAIL ONLY to let you know the documents are available in Account View. NO TAX FORMS will be mailed to you....

In this week’s episode of Dollars & Sense, Marc and Marion raise the question as to why the younger generations are having more difficulty living within their means. Has the gradual shift from cash to debit/credit cards played a part in...

Wealth preservation is essential for high-net-worth (HNW) individuals, but it warrants a gender-specific focus, too. Particularly for HNW women, understanding the complexities of wealth preservation is crucial. Whether due to...

You are finally retired after a lifetime of hard work, juggling responsibilities, and managing stress. During the pre-retirement phase, you did some planning, excited with the prospect of checking off that long list of all the things...

Marion and Christian are together again to host this week’s episode of Dollars & Sense. Everyone’s getting settled into the new year and is excited for new beginnings, a “fresh start”, healthier eating, and...

Happy New Year and thanks for tuning into our first episode of Dollars & Sense in 2024! At Freedman Financial, our goal has always been to provide financial advice in a language you can understand. We’re starting off the year by...

An executor of an estate or trust plays a pivotal role in the legal system, especially when dealing with the responsibilities and tasks related to a deceased person's property and financial matters. The executor acts as the manager and...

As one approaches retirement, monitoring your financial situation by understanding your net worth and assessing the assets and resources needed to maintain a comfortable lifestyle throughout retirement is vital. This article explores...

Tune in to this week’s episode of Dollars & Sense as Marc and Marion answer the three questions posed in the recent Morningstar piece about how they help clients as they near retirement in a language you can understand.

Three science-backed avenues to retirement enrichment and fulfillment Retirement is often idealized as a serene period of well-deserved rest and leisure. Yet, while the respite from a career's demands is welcome, retirees soon find...

With 2023 coming to an end, we’re ending on a very positive note. The last 7 or so weeks we’ve seen positive performance. Who would have thought that the NASDAQ would end up almost 40% at this point. Since the end of October, the S&P 500 is

As 2023 comes to a close, our team would like to present you with one final gift of the year. 2023 Year-End Letter

Present economic conditions are ripe with opportunities to enhance income Retirement is a time to enjoy the fruits of many years of labor; a season to reap the benefits of smart saving and investing. However, with the changing tides of...

Marc and Marion are together again for this week’s episode of Dollars & Sense and to wrap up the last few weeks of 2023. Kind of crazy, isn’t it? Every year in December we find ourselves saying the same thing, “the...

In 2024, LPL Research believes markets will make a definitive turn to a more recognizable place. En route, the transition will be marked by meaningful shifts in a few key areas. Inflation is going down. The risk of a recession is...

In the realm of investment moguls, few names reverberate as loudly as Warren Buffett's. Yet, often overshadowed in the limelight was his esteemed partner and the lesser-known genius, Charlie Munger. Munger – whose passing on...

You’re in for a treat as Marion and Christian are hosting this week’s episode of Dollars & Sense. As our loyal listeners know, Christian is our Director of Financial Planning so we want to take full advantage of having him...

Here are some things to consider as you weigh potential tax moves between now and the end of the year. 1. Defer income to next year Consider opportunities to defer income to 2024, particularly if you think you may be in a lower tax...

Welcome back to another episode of Dollars & Sense with your hosts Marc and Christan. We’re heading into the first week of December with Christmas, Hanukkah, and all festive holidays upon us this month. With holiday shopping mode...

Thanks for tuning it to our special Thanksgiving episode of Dollars & Sense with Marc and Marion. Every week we have a great time hosting the show to provide our listeners with financial advice in a language you can understand....

Philanthropy today is different than it was in the past. It was once common for donors to distribute their wealth through smaller grants to numerous organizations. Over time, best practices for charitable giving have evolved, and...

When it comes to your estate plan, you don’t just have it drafted and put away until it is time for your loved ones to manage your lifetime of affairs. As your world changes year by year, it is critical that you review your...

Welcome back to this week’s episode of Dollars & Sense. If you’ve been following what’s been going on in the world, and certainly from an economic standpoint, you may be excited over what the markets done over the...

The holiday season is a time of generosity, kindness, good cheer, presents, food, family, and fun. In Dr. Seuss’s classic story, How the Grinch Stole Christmas, The Grinch was intent on ruining, well, all of it. He would...

Marion and Marc are together again to host this week’s episode of Dollars & Sense. It’s the same old song and dance when it comes to market volatility. We find it interesting that the word volatile refers to the markets...

In the realm of estate planning, the ripple effects of our oversights often linger long after we're gone, impacting the lives of those we leave behind. It’s the uniqueness of this area of planning that makes it paramount to get...

Marc is on a much-deserved vacation this week, so Marion and Christian have stepped in to host! This week, they are delving into life insurance. Life insurance can be an important part of your financial plan for both you and your...

If you want to permanently preserve a loved one’s legacy, there’s nothing like documenting their very words. Here’s how to go about it. I used to love listening to my dad tell stories of the past. The experiences and...

If you’re part of the younger generation, you may have heard about girl math online. It’s a series of rules that people have developed to justify some money spending and decisions. Do you buy coffee out a lot? If you do, here’s an...

Anyone can be a victim of homeowner identity fraud, including wire, mortgage, and title insurance fraud. The financial implications can be damaging and long-lasting. Use these tips to protect yourself from being scammed and defrauded....

A great orator has a way of getting in front of a crowd and influencing people to make a decision despite the fact that it makes no sense whatsoever, but because they’re so compelling in the way they present it, they easily build a large...

The odds of winning the lottery are astronomically long. Yet, the allure of pocketing hundreds of millions of dollars can tempt even the staunchest penny pincher. While there's no harm in playing your lucky numbers every now and again...

One of the questions people continue to ask us about with the war in Israel and Gaza, the challenges with the economy, and what’s going on with Ukraine, is how does that impact the state of the economy? One of the things we review...

The vast majority of Americans need long-term care. According to the U.S. Department of Health and Human Services, 70% of people over age 65 may need some long-term care during their lives.1 Unfortunately, planning for long-term care...

The Topsfield Fair is in full swing and all of us at the Bnai Brith Booth hosted the 5th Annual Hot Dog Eating Contest! Contestants had 7 minutes to consume ¼ lb. Hebrew National All-Beef Hot Dogs (including the bun). The winner...

Managing money may seem stressful at times. Unexpected expenses, changes in employment, and changes in family or lifestyle may all lead to money issues. Making sure you have money saved up for the unexpected is crucial. Here are some...

Here we go again. Perhaps one of the reasons the market is acting so unfavorably over the past week or two is because the government has the potential to shut down on October 1st. Déjà Vu all over again. As a matter of fact, ...

Keep connected, develop good sleep hygiene and get in fiscal shape Aging is a natural process that everyone goes through, but how we age can be significantly influenced by our daily habits. Staying fit and healthy as we grow older is...

A recent eye-opening report in the Wall Street Journal talked about how ill-prepared people are for retirement. The results tell a story of how under-aware we are of life in America and that we see our world within the sphere in which...

Obtaining a life insurance policy is part of being an adult. But it’s also something that you can easily neglect, especially if you obtained it earlier in adulthood. While you may have been diligent in securing your life...

Tune in to this week’s episode of Dollars & Sense as Marc and Marion reflect on market downturns and why time in the market is better than timing the market.

Booker T. Washington once said, "Those who are happiest are those who do the most for others." In 2022, Americans gave $499.33 billion to charitable organizations, making America one of the most generous nations in the world. The...

There comes a point in time when you have to understand whether you’re making a rational decision or a reasonable decision. We think you also need to recognize when you’re making a ridiculous decision. We don’t think...

As more and more consumers search for financial information on the Internet, they may inadvertently leave themselves open to being “tracked” by certain companies and individuals. Visitors to financial websites have created...

A 5-step plan to liberate yourself from burdensome credit card debt For the first time ever, the United States has witnessed a concerning milestone in its financial landscape: our total credit card debt crossed the monumental threshold...

At Freedman Financial, the very last action item on your financial plan is to review your plan on an annual basis. Why is this important? During this comprehensive process we try to emphasize that it is an ongoing process and not a...

Are you a football fan? If so, you understand the significance of an audible call at the line of scrimmage and how sometimes you are also forced to call an audible in life. Modern football has evolved since the late 19th century when...

This week we’re addressing your questions and giving you advice in a language you can understand. These questions are from viewers just like you who have questions surrounding money market funds, risk, and even scams. If you...

From unemployment to a sudden health crisis to a crippling accident, being financially prepared for life's many challenges may smooth the road ahead. Whether you are just starting out or have been working toward financial health for...

We pride ourselves on not only paying attention to the financial aspect of your life but to look at your life holistically. Marion recently heard the saying “live by design, not by default.” Isn’t that the ultimate goal...

With the cost of college expensive for many, receiving a tax break from the IRS for college-related expenses may be appealing. 529 Plans and Coverdell Education Savings Accounts (ESAs) offer tax-advantaged withdrawals when used for...

A lot of clients come to our office with all of these ideas that they want to do. Decades pass by and they forget about fulfilling these ideas, dreams, and goals that they had – simply because they didn’t know how to execute.

During turbulent financial times, having a financial emergency plan might provide you with a proverbial life preserver. Whether it is an emergency fund to help you tackle an unplanned expense, insurance to cover an unexpected accident...

People would love to have a guaranteed income stream in retirement. Now don’t get us wrong, we think having a guaranteed income stream is a wonderful thing to have as part of your overall income strategy, but you need to have other...

As we’ve passed the midpoint of the year, now is the perfect time to assess your financial well-being by conducting a review. Just like a routine health checkup can ensure your physical health, a financial checkup can help you...

You always hope your message reaches the people who get the most value out of it. Our day was made yesterday when Marc met with a client who shared he spends a lot of time listening to this podcast. He said what he’s grown to really like...

It’s the middle of summer and we are feeling that heat and humidity! Here’s hoping the last half of summer is drier and more enjoyable. Even though we saw a lot of turbulence last year, 2023 is turning out to be a pretty...

In recent years, the burden of student loan debt has become an increasingly prevalent issue, significantly impacting individuals and the broader economy. In fact, it might surprise you to learn that...

One of the things that everyone likes to do, especially those who are approaching or in retirement, is to travel. The joy of having more flexibility, freedom, and the opportunity to embark on longer journeys is what retirees eagerly...

Those who receive an inheritance with the passing of a loved one are potentially given the gift of financial freedom if they choose to manage the wealth carefully. Did you know that only about one-third of adults have a prepared will...

Our 2023 investing outlook started with a theme of returning to normalcy. Considering 2022’s market volatility and the aftereffects of the pandemic, the idea of finding balance was certainly a welcomed change. It’s a theme...

Retirees often have the time, freedom, and desire to explore new destinations and make the most of their golden years. With careful planning and attention to detail, senior travelers can work towards preparing trips that are safe...

We hope everyone had an enjoyable 4th of July... minus all the rain.On a brighter note (pun intended) we finished the first half of 2023 with the markets performing relatively well!But as we all know, anyone who invests needs to...

Your finances are probably one of the last places you want to experience fireworks—unless they are celebratory. With new year's resolutions firmly in the rearview mirror, the summer months allow you to revisit your financial...

More and more people are ready to begin financial planning and have reached out to our team to see if we’re the right fit. We always enjoy a good interview session and thought it would be fun to share with you some of the...

Getting ready to apply for college is an exciting and anxious time for high school students and their parents. The competition to get into college is stiff, and with the rising cost of education, getting enough aid is critical for many...

Many of our listeners struggle with what they should do if something happens to them, their spouse, or their children. Death is inevitable yet it seems a lot of people are caught off-guard when asked to step in when somebody dies. Tune...

For kids, teens, and college students, summer break often represents freedom from schedules, responsibilities, and all those other drains on your time. Retirement actually can provide a similar level of freedom, but only if you've...

The latest headlines are prompting our clients to talk to us about the status of our economy, the probability of a recession, whether or not they should invest in the stock market, and if it’s a good time to buy gold.  Why is there a...

In the U.S., men are investing and accumulating wealth at a greater pace than women, fueling the gender investing gap. Closing the investing gap is essential so that women accumulate enough retirement assets for their entire lives. On...

Vowing to eat better or exercise more in the months ahead is a popular New Year’s resolution. But did you know that taking steps to improve your health can also save you money this year and long into the future? To benefit both...

We noticed a lot of our own clients don’t even realize how much money they unnecessarily spend on assorted fees. We get it, it’s a challenge to look at every statement and look at where your money is going – but it pays to do it. Fees...

June is National Homeownership Month, which seems particularly apt this year. With home prices rising to unprecedented levels and multiple offers becoming commonplace in residential transactions, it seems that everyone is...

More and more people are saving up cash in the bank – why is that? Are they scared to invest? Christian feels it happens at a few points in people’s lives, such as getting a big promotion or when your kids leave the house and are...

Retirement is not what you retire from, but what you retire to When you plan for retirement, an exciting new phase of life, double-check your expectations. They may not match the reality.Baby boomers, currently in their 50s and 60s,...

Tick tock...the debt ceiling deadline (June 1st) is right around the corner. They like to keep us on pins and needles until the very last minute but analysts and those in the know feel they will resolve it. After all, Joe Biden and...

Individuals who exercise regularly and focus on better health, developing their bodies, stamina, and mental clarity understand what it encompasses. There are steps that people take when they engage in physical fitness and work toward...

The debt ceiling conversation has been hot and heavy this week. The only thing different this time around is how close will we get to midnight the night of the deadline before they strike a deal. There's been an intensified use of...

People have been asking us lately what our outlook is on the future, what we think about the government, and a crowd favorite, inflation. It’s amazing how strong individual opinions are on these topics and how it influences their...

Artificial intelligence and machine learning bring investors additional tools   Investing can be a tricky business, even for seasoned professionals. With a plethora of investment options available and constantly changing market...

The weather isn’t the only thing heating up. One of the hot topics this week is the way our government has been spending money. The U.S. could reach its debt ceiling by June 1st. The term “debt ceiling” is thrown around quite a bit, but...

One of the big questions that we keep getting asked all the time is when is the right time to invest? Is this the right time, was it last year, is 2026 the right time, did we miss the right time? One of the most interesting things is...

Today's kids have more information at their fingertips than past generations could ever have dreamed—but not all this information is always accurate. And when it comes to financial literacy, the ability to weed out misinformation...

With tax season officially over (phew!), we wanted to shed some light on last minute tax questions that came into our office. Some of the most commonly asked questions were whether people need to make a ROTH or IRA contribution...

When helping people get ready for retirement, financial professionals find the same issues come up over and over. Thinking ahead can spell the difference between a retirement with enough money and a stressful one with difficult...

This week we chat about the announcement on inflation. We’re seeing much better numbers coming in now. We’ve all seen inflation declining a little bit and we’ve also seen a lot of prices stabilize. Yes, a lot of the...

If you're paying attention to the news, you've probably come across story after story on the health of Social Security. And depending on the actuarial assumptions used and the political slant, Social Security has been described as...

All the activity around the bank crisis has very much calmed down. The Treasury stepped in pretty quickly to help the banks that were failing and it seems as if people aren’t as worried today. If you think back and ask how come...

Marc Freedman, CFP® named #36 Advisor in Massachusetts in Forbes’ 2023 Best-In-State Wealth Advisors.

If you're thinking about working in retirement, you must consider a few things before making your decision. As you get older, the question of when to collect Social Security retirement benefits and how your monthly payment may be...

Today we’re going to talk about something that may be the most deceiving perspective that anyone could offer to you right now, especially when it relates to market performance. If you ask someone walking on the street these days...

It’s no surprise that the media had played a part in the mass hysteria surrounding banks “supposedly failing” over the past few weeks. After the initial shock wore off, we began to see this was far more of a media...

Baseball and financial management can have more in common than meets the eye. Below, we discuss four key lessons that investors—and everyone else—can learn from America's favorite pastime.

Very rarely we get to say we have an exciting time in the world of finance, but last week we saw the failure of a bank… Silicon Valley Bank to be exact. Bank failures can feel scary to say the least, however, it is important to...

Planning financially for retirement can help you age with confidence.

It will take some time, but the FDIC was designed for moments like this! The FDIC-seizure of Silicon Valley Bank is the second-largest US bank failure in history as it held $209 billion in assets at the time of its collapse. Even after...

Ah budgeting… the financial equivalent of dieting. It is not a fun word, but it is necessary. Knowing how much you spend is such an important factor in any sound financial plan.

Everyone needs to clean-up their financial clutter at least once a year...Spring is traditionally the time to clean the garage and to get the yard in shape. It’s also a great time to clean up your investment portfolio. Going into...

Individual investors are now faced with growing concerns about keeping their financial matters private. Here are several ideas to help you maintain confidentiality and keep your private matters truly private.

The Markets seem to be as unpredictable as the weather lately. That is why having a well-diversified portfolio that align with your long term goals is so important! Of course you should have some money in the bank for expenses that pop...

While retirement is a time to enjoy the things you have worked hard for in life, the next chapter may leave some a little anxious. Retirement doesn't mean you have to retire from the excitement in life. In fact, it is the perfect time...

The Market is still trying to figure out how to catch its footing right now. Returns on portfolios in 2021 were enormous… but in 2022 you lost it all and then some. But it is important to note that the U.S. is set for recovery.

Each year, Presidents' Day is celebrated on the third Monday in February, paying tribute to George Washington, Abraham Lincoln, and the other U.S. presidents who helped create this country and allowed it to thrive.But while the...

Tax season is in full swing! During this week’s episode of Dollars & Sense, Marc and Marion discuss why you should hold off on making an appointment with your tax professional until March, when you should file your taxes with a...

As far back as I can remember, Marion and I have been fortunate to have clients that we love to serve. Knowing that you trust us with your most intimate conversations about money is both humbling and gratifying. 

The Super Bowl is more than just a game. It's an American holiday. As you prepare for this fun day, you may also want to think about how to create "big wins'' in your investment strategy. Get ready for Super Bowl Sunday by checking out...

We are approaching Super Bowl Sunday this weekend! The Patriots may not be playing in the big game, but a former Patriots' player made big news this weekend. You guessed it – the one and only Tom Brady.

Three simple gifts for reducing the fights about money in your marriageValentine’s Day is of course an extremely popular day for marriage proposals. Regardless of which side of the engagement you’re on – or when your...

For those of you who may not know, we have to do a certain amount of continuing education each year to maintain our professional financial designations. This week, Marion attended a continuing education course on retirement planning-...

There are lots of lessons to be learned from 2022. During this week’s episode of Dollars & Sense, Marc and Marion talk about the importance of having a financial plan.

It's nice to own stocks, bonds, and other investments. Nice, that is, until it's time to fill out your federal income tax return. At that point, you may be left scratching your head. Just how do you report your investments and how are...

This week on Dollars & Sense, Marc and Marion discuss hints of market improvement as well as everything you need to know about Required Minimum Distributions.

When it comes to medical or legal advice, the value of getting a second opinion is fairly well established and defined. What about financial decisions? At what point does it make sense to get a second (or a third) opinion on money...

When we think about the last year, we tend to think about the markets being down, political unrest, and soaring inflation and interest rates. Those worrisome factors left many wondering: Should I be concerned about my future?Am I still...

Do you find yourself making resolutions, and then a month in, you already slipped up? New Year’s resolutions seem all well and good when making them, but it’s another thing to actually stick to them throughout the year....

The start of a new year means lots of analysts, strategists, and economists have shared their predictions for the markets for 2023… and they are all different.There is only one thing that is certain, and that is you cannot...

If you’re like me, you will be thankful to make it through another holiday season, with at least most of your sanity left. For me, the holiday season started well before Thanksgiving and doesn’t really end until about the 5th of January.

It is hard to believe, but we have reached our final podcast of 2022! We had high hopes for this year, and don't get us wrong, there were definitely some wonderful moments! However, the Stock Market hit an all-time high on January 4th.

We are approaching the end of what many would see as a "cruddy year" for the markets. But we have some good news — consumer confidence is at the highest it has been all year!

Preparing your home for a winter storm can be a hassle, especially when done last minute, so make sure to plan ahead and take these necessary precautions this winter season.Double check for suppliesYou may think you have shovels,...

It's the holiday season - and so refreshing to see more and more people doing their shopping in person and virtual holiday events becoming a thing of the past! During this episode of Dollars & Sense, Marc and Marion discuss inflation,...

The charitable deduction is a dollar-for-dollar reduction in taxable income that lowers what someone owes the Internal Revenue Service. Only donations to tax-exempt charities count. This giving incentive is available only for the 10% of...

We are in the thick of the Holiday season. Now is a great time to give back to charities that are meaningful to you. It is important to make sure you are donating from the heart, not just for tax purposes. There is no monetary donation...

As inflation soars, you can now save a lot more for your retirement. On October 21st, the Internal Revenue Service (IRS) announced that the amount individuals can contribute to their 401(k) plans in 2023 has increased to $22,500, up from...

Many people are looking forward to saying goodbye to 2022 due to the state of the markets. But it is important to not let the markets get you down - take some time to reflect on all the good that has happened over the year!

As an investor, you may be impacted by capital gains if you sell your investment – whether at a gain or loss. Understanding capital gains may help with your overall investment strategy and the potential to preserve your wealth....

November brings us Thanksgiving – a day for simply giving thanks. The 11th month also brings us Black Friday and Cyber Monday – two days encouraging us to shop.And since 2012, the Tuesday after Thanksgiving also offers us...

Are you a spender, a saver, or somewhere in between? Do you view your money with an "easy come, easy go" attitude or focus on saving all you can, "making hay while the sun shines"? Your overall financial philosophy doesn't just affect...

It is important to remember market downturns typically correlate with uncertainty in the world, and we are STILL living in uncertain times. During this week’s episode of Dollars & Sense, Marc and Christian shine some light...

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...

During this week's episode of Dollars & Sense, Marc and Marion discuss the Baron Conference and some of the highlights from the event, including a surprise question and answer from the one and only Elon Musk! We also touch on how...

It’s nearly that time of year again: turning the clocks back an hour and experiencing less sunlight. While it seems like there’s nothing you can do about this natural, yearly occurrence, you can! Don’t let the darker...

Marc and Marion are currently at the Baron Conference. We cannot wait to share what they have to say and tell you all about the fabulous entertainment when we return.This week on Dollars & Sense, we discuss why now is a good time to...

For some, it’s easy to put personal finances on the back burner during the last few months of the year. However, before the year comes to an end, it’s essential to review your finances. By doing so now, you can make the...

This week, we discuss important year-end tax planning tips, changes to retirement contributions for 2023, charitable giving facts, and how we're managing investment portfolios as we head towards the end of the calendar year.

With the spooky season already approaching, you may wonder if there is anything that can be done to enter 2023 as financially secure as possible. This is a great time of year to look back —and forward — to set goals...

This year has been tough for the markets to say the least. In fact, this has been the toughest year for the bond market in particular in the last 40 years! This is largely in part due to the FED raising interest rates.

Your retirement is the reward after years of hard work and saving. You might dream of traveling, want to invest in a vacation home, or want to take up a new hobby. For an enjoyable retirement, saving is critical.

Let's face it, the pullback in the stock market has been a bit unnerving. Yes. We're fielding calls, but most folks are simply looking for a rational perspective during these challenging economic times.

Tips to avoid one of the biggest retirement worries that all of us will face Retirement is a major milestone that brings many life changes. One thing that doesn't change for most people: the fear of running out of money. In fact, one...

You want to retire comfortably when the time comes. You also want to help your child go to college. So how do you juggle the two? The truth is, saving for your retirement and your child's education at the same time can be a challenge....

Nine of every 10 U.S. families with children have at least one working parent.1 Though working parents make up one of the largest demographic groups in the country, they face many challenges—from the cost of childcare to...

Everyone wants a comfortable retirement, but the road you take there will depend on your specific situation. When you invest, you assume a certain level of risk (but like everyone you’re hoping that your holdings will increase in value).

Have you ever made a purchase that has thrown your monthly budget off-kilter? Or maybe you’ve put financial restrictions on yourself that push you away from spending on things that bring you joy.

School is back in session. For some, it’s a welcome respite from a busy summer schedule and for others, it’s the start of carpooling, sports schedules, and erratic dinner plans.

Sending a child to college for the first time can be a stressful transition for any parent. Even though your child is legally an adult (or almost an adult) by the time they head out on their own, a parent’s worries...

Saving money can be hard. It often feels like your paycheck goes into your bank account and a minute later it’s gone. Between bills and unexpected life moments, it always seems you’re left saying “I’m broke".

Building family traditions can be a great way to solidify the family bond. In fact, traditions and rituals often tell a story about your family—serving as real reminders of what helped shape your lives together.

Investing for your retirement isn’t about getting rich quick. More often, it’s about having a game plan that you can live with over a long time.

Don’t let your retirement dreams vanish before they get started. Follow these six tips to get your retirement on track while still prioritizing your family.

Though baseball and stock market investing may not seem to have much in common, there are a few key similarities—both are stats-driven and require focus, a relative lack of emotion, and a clear mind.

Every day we’re bombarded with reports of what’s hot and what’s not – fueling a fear-of-missing-out (FOMO) on some great investment opportunity. FOMO & investments don’t mix!

“Boom and bust” cycles may last anywhere from a few months to a few years or longer.

Marc is joined by his wife Laura to read our listener’s questions. The answers he offers might surprise you.

Self-sufficiency isn’t guaranteed, but every one of us has the opportunity to achieve it. Check out these four steps to help you work towards financial independence.

Marc’s kids surprise him for Father’s Day by sharing the best and worst financial advice they have ever received from him.

A timeshare is usually too expensive, even if someone gives you one.Vacations during the summer months might have you thinking about timeshares for resorts in places like Florida or Mexico. They seem like a fun idea for a winter...

Moving Back in With Parents After Living IndependentlyIn recent years, many Baby Boomers have witnessed a growing trend: Their children are moving back home after graduating from college. In part, the return of the...

Preparing for Your Financial FutureBROADCAST: Dollars & Sense, 06/12/2022Episode Summary: During this episode of Dollars & Sense, Marc discusses who the REAL culprits are to blame for this new economic paradigm shift in America. You...

Anyone who has had their basement flood can understand what a hassle it can be to resolve the issue. Whether it’s a completely flooded basement, or water seeping through your walls, fixing these problems is a time consuming and...

Whether your child was just born or is heading toward high school graduation, a 529 savings plan may help you put aside funds to pay for college expenses without paying taxes (federal and some states) on any dividends and gains...

BROADCAST: Dollars & Sense, 05/22/2022Episode Summary: On this episode of Dollars & Sense, Marc Freedman, CFP® and Marion Gilman, CFP® continue the discussion on strategies for managing your investment portfolio in...

More often than not, retirees have retirement concerns that focus on their goals and whether or not they have the finances to work towards those goals. Since finances and other important matters tend to occupy the mind during...

The more money that you can save when you are working, the easier it should be for you to retire and enjoy your golden years. Unfortunately, Social Security may no longer provide a sufficient income to live on during retirement.

BROADCAST: Dollars & Sense, 05/15/2022Episode Summary: Marc Freedman, CFP® and Marion Gilman, CFP® discuss strategies for managing your investment portfolio in the midst of market turbulence, rising interest rates...

While retirement is a much-anticipated stage of life for many, it may also be a time of emotional upheaval. If you are hoping to join the leagues of retired Americans soon, you may be wondering what you may do to smooth the transition. 

BROADCAST: Dollars & Sense, 05/08/2022Episode Summary: Marc is joined by his wife Laura for a special Mother’s Day broadcast. During this segment, Marc and Laura discuss the best piece of financial advice listeners have...

BROADCAST: Dollars & Sense, 05/01/2022Episode Summary: Marc is live in studio this week and is joined by Christian Karcher, CFP®, Director of Financial Planning. During this show, they discuss the questions you should be asking to...

Episode Summary: Marc is live in studio this week. APRIL is Financial Literacy month and dedicated the entire broadcast to the subject. Marc is joined by Christian Karcher, CFP®, Director of Financial Planning, and Marion...

MARC FREEDMAN RECOGNIZED IN FORBES AS A 2022 BEST-IN-STATE WEALTH ADVISOR— Named the No. 31 Advisor in Massachusetts —PEABODY, Massachusetts — April 20, 2022 – Marc Freedman of Freedman Financial was...

When was the last time you learned about anything financial?April is National Financial Literacy Month – an entire month dedicated to underscoring the importance of learning, establishing and maintaining healthy financial habits...

Dollars & Sense, Tequila & TravelBROADCAST: Dollars & Sense, 04/10/22Episode Summary: Marc chats about his recent schooling in tequila and how some folks are surprised at their tax obligation… can you say… Capital...

BROADCAST: Dollars & Sense, 04/03/22Episode Summary: Marc is live in-studio and asks if you have a full picture of your financial situation… in its entirety? Without it, you don’t have a ‘financial plan’...

We often hear the phrase – “I was taught the importance of saving money – but no one ever taught me how to spend it.” Watch our video – Save vs. SpendIf you’re approaching or living in retirement it...

Russia’s impact on the marketsBROADCAST: Dollars & Sense, 03/06/22Episode Summary: Marc is live in-studio and discusses February investment statements, the market impact caused by Geo Politics, welcomes Ryan Detrick...

I recently read Making Money*, a satirical fantasy book by Sir Terry Pratchett in where the main character, Moist Von Lipwig, becomes the caretaker for a dog who was bequeathed a 51% controlling interesting of the city’s...

Market Impact Likely to be ContainedOver the past couple weeks, we’ve fielded calls regarding thoughts on the Russia/Ukraine conflict. In short, we don’t believe that any type of ‘invasion’ will wreak long-term...

BROADCAST: Dollars & Sense, 02/20/22EPISODE SUMMARY: Marc is live in-studio and discusses what to expect in the markets considering Russia’s military movement, and what it means to be a fiduciary.SEGMENT 1: (1:14)...

Laura joins Marc just in time for Valentine’s DayBROADCAST: Dollars & Sense, 02/13/22Episode Summary: Marc is joined by his wife Laura for the annual ‘COUPLES & MONEY’ broadcast, just in time for...

Celebrating 10 Years of Dollars & SenseDollars & Sense, 02/06/22Episode Summary: ‘Anniversary Show’ Celebrating 10 years of Dollars & Sense on the radio. ‘That was Then… This is Now’. Streamed live on...

In Our OpinionAs the famous philosopher (and baseball player) Yogi Berra once said, "It's tough to make predictions, especially about the future."Here's hoping that the start of the New Year has kicked off with a renewed outlook on...

Safety Protocols on the High SeasRick Carlson of Cruise Planners joins Marc this week to discuss ‘Traveling in the world of Covid’. What you can expect and an insight into the extreme safety protocols aboard a cruise ship....

Be rational during emotional timesThis week Marc asks that everyone ‘RELAX’. What goes up, must come down. So, relax when the markets drop. Remember that you’re investing for the long term. Here’s a key...

Freedman Financial Now Accepting 2022 Scholarship SubmissionsIt’s Scholarship Time!The Freedman Financial Associates Inc. Scholarship was created to heighten the awareness of personal financial planning and fiscal responsibility...

Office Protocols UpdatedOfficial NotificationEffective January 5, 2022, the following updated protocols go into effect.We are pleased to report that all Freedman Financial employees are fully vaccinated and boosted against the COVID-19...

Holding Ourselves AccountableThis week Christian Karcher, the Director of Financial Planning at Freedman Financial joins Marc to discuss the importance of us holding ourselves accountable for all of our actions, not just those...

Focus on your time horizon, not the choppy watersThis week Marion Gilman joins Marc to discuss how you can best position yourself for your financial future… the takeaway… ‘Focus your sights on your time horizon and...

LPL Research Outlook 2022LPL Research Outlook 2022: Passing the Baton is designed to help you navigate the risks and opportunities over the rest of 2021 and beyond. While the economy continues to move forward, we’re still feeling...

Know When an Investment is TaxableThis week Marc asks, ‘What is your holiday budget?’ And wonders if you are buying thoughtfully by way of performing ‘creative’ price comparison shopping strategies? He’ll...

Gift Tax, Capital Gains, UGMA, UTMA? Stuff to know in advance.Marc shares many of the important rules surrounding ‘gifting money’. You need to know what happens in advance of the gifting. Gift by way of a charitable...

Paying for Convenience, Living Within Your Means, Power of Attorney...Marc is LIVE in-studio this week. Marc shares real-life finance stories covering everything from the importance of paying yourself first, the price you pay for...

Importance of building your nest egg early in life.Thinking about investing? Unsure whether it’s a good option for you? Check out this video to learn why it’s important to begin building your nest egg early in life.

No Matter the Crisis, We Get to the Other SideMarc is joined by Marion to discuss how no matter the crisis, we have successfully found our way to the other side. Decades of one crisis after another from the Dot Com bust, to 911, the...

Financial Lessons Learned During COVIDMarc is LIVE this week and joined by Christian Karcher. Together they discuss the 15 Personal Finance lessons we can all learn from a year-plus of COVID.DISCLOSURES:During Dollars & Sense with...

Keep a Hard Copy of Tax StuffMarc is LIVE this week and talks about storing docs in the cloud. It saves space and it’s easy to organize, however… when it comes to your tax forms KEEP A HARD COPY! You don’t want to...

Protect your family, now and in the futureThis video stresses the importance of an estate plan – for investors of all ages. Having an experienced wealth management professional on your team can ease the transition with an estate...

Topsfield Fair, Financial Accounts and AccountabilityMarc is LIVE this week and Oy Vey does he have lots to say. Marc is quite excited to share his joy that the Topsfield Fair is OPEN where he has been managing, with Laura the...

Great time of year to prepareMarc is LIVE this week and observes that it’s a great time of year to get your financial house in order.DISCLOSURES:During Dollars & Sense with Freedman Financial, your host, Marc Freedman, may...

Coinstar, CarMax, Airline Tix ... Get the best valueMarc is LIVE this week and takes his ‘Financial Advice in a Language You Can Understand’TM to your front door with money-saving tips that cover day-to-day things. Did...

It’s hard to fight the urge to splurge. This video explains how you can spend wisely and start saving for tomorrow.

Dollars & Sense, Reflecting on 9/11, Caution on ‘Buy Fast-Sell Slow’ ConceptMarc is LIVE in the studio this week. He reflects on his family’s 9/11 story; he was waiting at a gate at Logan to take flight 10 to San...

Marc is joined by Marion Live in Studio* On this week’s Dollars & Sense broadcast, Marc is live in-studio and joined by his business partner Marion Gilman. * They talk about the Best & Worst of these financial times. They...

Challenges That Women FaceBy Freedman FinancialWe understand the challenges that women face. In this video, learn how we can deliver financial guidance to help you achieve your goals.

Dollars & Sense: What is Enough? Well, It depends.Marc is live this week. People ask, “What is enough?” A Financial Planner helps you realize… What Enough Means to you. Not by addressing an isolated money issue, but...

Do Your Kids Know the Golden Rule of Personal Finance?By Freedman FinancialDo your children know the golden rule of personal finance? Help them avoid debt by showing them this short video that emphasizes the importance of spending less...

Tips on finding a financial planner that puts your individual needs first.Marc is live this week and devotes the broadcast to answering one question: “How to Hire a Financial Planner.” Marc gives guidance on how to find and...

Portfolios That Reflect ValuesBy Freedman FinancialSocially conscious investors are interested in creating financial portfolios that reflect their values. This video will help you understand ESG, Environmental, social, and governance...

Do you have a goal you want to accomplish? Buy a new car? Save for college? If so, you’re more likely to be successful if you have a financial plan. Watch this short video to learn how a financial plan can help you achieve your dreams.

Learn why you need a Financial Quarterback on your teamMarc is live this week and asks the question: ‘Do you have an investment person, or do you have a financial planner?’ Many say that the COVID shutdown left them...

Dollars & Sense: Christian joins Marc to ask some money questionsFreedman Financial’s Director of Financial Planning, the recently promoted Christian Karcher joins Marc this week. They ask some money questions… how you use...

Monthly Expenses Are Likely Higher Than You ThinkMarc is LIVE this week and asks: “Do you know what your monthly expenses are?” If the answer is YES, he cautions that you are likely underrepresenting that number....

Meet Our New Director of Financial Planning[PEABODY, MA] — [July 14, 2021] – We are pleased to announce that Christian Karcher was recently promoted to Director of Financial Planning at Freedman Financial. Christian...

Midyear Outlook 2021PICKING UP SPEEDOverviewTHE U.S. ECONOMY powered forward faster than nearly anyone had expected in the first half of 2021. As we were writing our Outlook for 2021 in late 2020, our economic views were...

Ignore the Noise! Focus on the Horizon.Marc is LIVE this week and shares an observation: ‘Investors have become complacent?’. He urges that You Ignore the Noise! Marc gives you an outlook through a rational lens, and not...

A Just Do It PlanMost of us could use a little help managing our money. Review this checklist for pointers on how to start.Review this simple checklist for pointers that can help you manage your money.Click here to download an...

Best Way to Manage Your Investments… STICK TO YOUR PLANThis week Marc talks about how it best to manage your investment expectations. The market will always go up and down. Time and time again STICKING TO YOUR PLAN is the best...

Dollars & Sense: Reality Check One Year After COVID ShutdownOn this Father’s Day, Marc is joined by business partner Marion Gilman. Marc and Marion give their listeners a ‘market reality check’ one year after the...

It's Not Your Parents' RetirementBy Freedman FinancialThe world looks different today than it did for your parent’s generation. Similarly, retirement looks different too. Learn how we can work together to develop a comprehensive...

Budgeting is Essential to Any Healthy Financial LifeBy Freedman FinancialKnowing how to budget is essential to any healthy financial life. This video shows your children or grandchildren the basics of budgeting to help them learn to...

Christian & Jessica get married after yearlong COVID delayMarc is joined by Freedman’s own Christian Karcher. After a yearlong COVID delay, Christian and Jessica get married. Today, Marc and Christian chat about financial...

Marc responds to listeners’ financial questionsMarc is LIVE this week. * Marc responds to listeners’ financial questions that impact their daily life and long term planning. Everything from ‘GRAD gifting’,...

Dollars & Sense: Mother’s Day Edition, Laura joins Marc* Marc is LIVE this week. * Marc is joined by his wife Laura, and proud Mom of their 5 fabulous kids. Laura answers and shares ‘Best MOM financial advice ever given or...

What if the asset transfer was by way of probate?* Marc is LIVE this week. * Marc shares challenges some clients have gone through resulting from the unexpected loss of the family member that managed the finances. In addition to the...

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AARP, Real PossibilitiesBy Freedman FinancialSince its inception in 1958, AARP has grown and changed dramatically in response to societal changes, while remaining true to its founding principles:To promote independence, dignity and...

SSABy Freedman FinancialSocial Security has provided financial protection for our nation’s people for over 80 years. Chances are, you either receive Social Security benefits or know someone who does. With retirement, disability,...

Investment Research CompanyBy Freedman FinancialMorningstar is an investment research company offering mutual fund, ETF, and stock analysis, ratings, and data, and portfolio tools. Discover actionable insights today.