Investment Guidelines:
Defining Your Investment Objectives: what every investor should know.
CFA Institute Statement of Investor Rights: a tool to help you get the information and service you expect and deserve from financial professionals.
Why Hire A CFA Charterholder?
Investing and Inflation: time to protect your future.
Investing Basics for Individuals:
John Kay. The Long and the Short of It: A Guide to Finance and Investment for Normally Intelligent People Who Aren't in the Industry. London: Profile Books, 2016.
David F. Swensen. Unconventional Success: A Fundamental Approach to Personal Investment. New York: Free Press, 2005.
Financial Planning:
Our Build Your Savings Plan Calculator.
Fidelity's checklists organized around life events to give you peace of mind.
Retirement planning checklist, this one specifically for couples, again by Fidelity.
Fidelity's equally insightful myPlan Snapshot retirement planning tool.
And if you have a college-bound child, Fidelity's College Savings Calculator and Financial Aid Planning.
Avoid costly Medicare enrollment mistakes, Emerald Medicare can help.
Estate tax for Massachusetts residents, applied to estates with a fair value above $2,000,000.
Do you need a trust? Maybe, probably, or yes. Trust and estate planning.
FTC's Recovering from Identity Theft.
Andrew O. Smith. Financial Literacy for Millennials. A comprehensive financial planning book without a self-interested sales agenda. Explanations don't talk down to readers. Financial planning with focus and simplicity.
Eldercare:
Affording in-home care
Caregiving for individuals who have dementia
U.S. Department of Health and Human Services eldercare fact sheets
Sustainability Resources:
William McDonough and Michael Braungart. Cradle to Cradle: Remaking the Way We Make Things. New York: North Point Press, 2002.
Robert J Shiller. Finance and the Good Society. Princeton, N.J.: Princeton University Press, 2012.
Community/Impact Investing:
Boston Impact Initiative
Cooperative Fund of New England
New Hampshire Community Loan Fund
PV Grows
Vermont Community Loan Fund
ESG/Sustainable Investing:
Shareholder Value Maximization: The World's Dumbest Idea?
CFA Institute: Environmental, Social, and Governance (ESG) Issues in Investing
US SIF: Forum for Sustainable and Responsible Investment
Insurance Quotes:
LLIS: tools to help you learn more about disability, life insurance, health insurance & annuities. LLIS provides low-load insurance quotes to our clients.
The UMB Health Savings Account has tools to recommend whether HSAs, pairing a high deductible health insurance plan with spending & investment accounts, are right for you and your employer.
Student Loans:
TISLA: student loan forgiveness and repayment, complexity explained plainly.
Legal Forms:
Health care proxy for Massachusetts residents. Do you have an unmarried relative? Did your child turn 18? Even as their parent, you don't automatically have the right to make your relative or adult child's healthcare decisions, if ever the time should come when they can't decide for themselves.
HIPAA release form: and you'll want a HIPAA release form in place so that medical providers are allowed by law to share with you an adult family member's healthcare information.
Bicycle Resources:
Adventure Cycling Association: a non-profit bicycle touring membership support and advocacy group.
Alex Meade Bikeworks: local Shelburne Falls-based custom hand-built bicycle master craftsman.
Bike Friday: Oregon's manufacturer of folding bicycles with a commitment to sustainability, an insistence on high performance and an unending push for bicycle improvements. E-Bikes!!!
Congressman Earl Blumenauer: Oregon´s "Congressman Bike" launched the Congressional Bike Caucus. He rides to work and once parked his bike against the White House´s portico.
Planet Bike: distributor of bicycle lights and fenders. Donates an impressively significant 25% of profits to bicycling-related causes.
Resource Revival: artisans converting junk bicycle parts into bottle openers, keychains and medals.
Revelate Designs and Carradice: don't know where to turn for bags to complement your bicycle? These are two of the world's best.
Swytch: lighter, powerful, universal add-on wheel that makes almost any bicycle an ebike.
Non-Profits, Charitable Organizations and Community Projects:
Sustainable Harvest International
Blues to Green
CISA: Community Involved in Sustaining Agriculture
Holyoke Homework House
Other Advisers:
If we’re not it, i.e. perhaps our investment philosophies don’t agree, I’d be glad to recommend other advisers who might be better suited to your needs. Over the years, I’ve gotten to know many other advisers personally and professionally. The following are some advisers in the area with strong reputations:
Fee-Only Financial Planning (David Martula, CFP) Hadley, Mass.: "Clients purchasing this service (financial planning) will receive a comprehensive, written report, in letter format, providing the client with a personalized financial plan designed to achieve his or her stated financial goals and objectives at that point in time."
Rock Point Advisors (Mike Huffman, CFA), Burlington, Vt: "Our mission is to work as a trusted advisor in the attainment of your financial goals. Since we came together to create Rock Point Advisors in 2004, we have worked to accomplish this mission by communicating well and by making sound investment decisions."
Willow Planning Group (Kelly Luethje, CFP), Colorado and New Hampshire: "We offer an active and fluid approach to helping you buy a home, plan for children, go on vacation, and save for long-term goals like college and retirement. We help you manage your finances and plan for the things you want to do."
