How To Save $1 Million For Retirement

By Robert Pagliarini on January 10, 2017

How many of us will retire with $1 million or more in savings? More of us ought to – in fact, more of us may need to, given inflation and the rising cost of health care. Sadly, few pre-retirees have accumulated that much. A 2015 Government Accountability Office analysis found that the average American aged…

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Economic Update 01/09/17

By Robert Pagliarini on January 9, 2017

RISING WAGES, MODERATE HIRING IN DECEMBER The Department of Labor’s latest employment report shows the average hourly wage at $26.00 last month, up 2.9% in a year. That is the largest annualized wage increase seen since June 2009. Payrolls expanded by 156,000 additional hires in December, leaving total 2016 job growth at a 5-year low…

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Business Planning: How To Keep Good Employees

By Robert Pagliarini on January 6, 2017

To retain key employees, make their jobs too good to leave. Arrange “golden handcuffs” agreements with key managers to reward loyalty and promote retention. A golden handcuffs strategy can make a management position so attractive that it would be financially irresponsible to walk away. The classic golden handcuffs arrangement is a “top hat” program –…

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Business Transition Planning Using a Buy-Sell Agreement

By Robert Pagliarini on

Business owners are builders. They spend their lives building firms to provide goods and services to their clients, and those firms provide them with a living. But nothing can tear down that lifetime of work faster than the death of a business owner, or the death of a business partner. Often, much of the value…

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Why You Should Consider A Defined Benefit (DB) Plan to Save Taxes

By Robert Pagliarini on

Contrary to popular belief, classic pension plans have not disappeared. Corporations have mostly jettisoned them, but highly profitable small businesses are giving them a second look. Why are small business owners deciding to adopt old-school, employer-funded retirement plans? The tax breaks attached to a defined benefit plan may be substantial. In fact, if these plans…

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What Are Your Money Beliefs?

By Robert Pagliarini on

Our relationship with money is complex & emotional. When we pay a bill, go to the mall, trade in a car for a new one, hunt for a home or apartment, or pass someone seemingly poor or rich on the street, we feel things and harbor certain perceptions. Are our attitudes about money inherited? They…

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Robert Featured in The New York Times

By Robert Pagliarini on January 5, 2017

What’s the best way to manage sudden wealth? What steps should you take if you receive a windfall? Find the answers to these questions, as well as crucial advice from Robert Pagaliarini and other financial professionals in the latest “Ask Briana” Q&A column in The New York Times.

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Economic Update 12/19/16

By Robert Pagliarini on December 19, 2016

FED RAISES RATES, PLOTS THREE 2017 HIKES Federal Reserve policymakers unanimously chose to raise the benchmark interest rate by a quarter point last week. That was expected; less expected was the central bank’s adjustment to its 2017 dot-plot. Fed officials now see three rate hikes next year instead of two. The move to the new…

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Why “Stretched Worriers” Feel Financially Trapped

By Robert Pagliarini on December 17, 2016

The Certified Financial Planner Board of Standards, Inc. (CFP Board) has examined American spending patterns and created four overall categories. The study found that one group earns insufficient income to pay current bills or past debt, effectively preventing these individuals from saving for retirement. These individuals, aptly named “Stretched Worriers,” are the most concerned out…

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Economic Update 12/12/16

By Robert Pagliarini on December 12, 2016

SERVICE SECTOR LOOKS VERY HEALTHY The Institute for Supply Management’s monthly services index improved 2.4 points in November to a 57.2 reading. Analysts polled by had expected a small gain to 55.6. It was the PMI’s best reading since October 2015, and it marked the 82nd consecutive month of expansion for the non-manufacturing segment…

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