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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...

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...

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.

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.