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Nerdwallet By Amrita Jayakumar Published May 10, 2019 Two strategies to pay off debt include the debt snowball and debt avalanche. With snowball, you pay off debts from the smallest amount to the largest by taking care of the little one first, while paying minimums on the others. Once it’s paid, you roll what you …

How to Break Free of Debt Without Paying a Price Later Read More »

GOBankingRates.com By CameronHuddleston Published May 3, 2019 Talk to an Advisor About Whether You Can Afford to Retire Before you retire, you need to figure out whether you can afford to stop working. “Many people get to the age they have picked for retirement and just proceed to notify their employer and proceed right along,” …

10 Tough Conversations You Need to Have Before You Retire Read More »

Life and Money by Citi By Kate Ashford Published January 17, 2019 Do I have enough insurance? (And the right kinds?) Many people under 40 are meeting some of their insurance needs through group benefits at work, says Byrke Sestok, a financial planner in White Plains, NY. But many also take what’s offered without adding …

A Good Financial Checkup Starts with the Right Questions Read More »

Lendingtree By Casey Hines Published: November 26, 2018 If your credit score has jumped since you took out your mortgage, you may want to see if you can qualify for a better interest rate. “I think that if you were in the 600s and you get your credit score up above 750, it’s probably worth …

Why Waiting to Refinance Could Cost You Big Read More »

insurancenewsnetMAGAZINE.com By Steven Morelli Published: November 2018 “Most people don’t really know what their risk tolerance is until risk actually hits,” Sestok said, adding that good risk analysis software can yield surprises for advisors and clients. “You’ll find people who think they’re aggressive investors may not be able to tolerate more than a moderate style …

Holistic Tech: The future of advising is holistic tech Read More »

The Street By Taylor Nicole Rodgers Published October 24, 2018 Though it is almost impossible to predict when the market will reach its top, certified financial planner William Brancaccio of Rightirement Wealth Partners recommends that investors who think a correction isn’t far off pull their money from vulnerable sectors.”If we are approaching a market top …

This Bull Market Isn’t Dead Yet — Here’s How Investors Can Make the Most of It Read More »

lifehacker By Alicia Adamczyk Published April 23,2018 If you have a well-diversified portfolio (and what that looks like depends on your personal situation) and are ok with the risk, then some of your assets probably can stand in for an emergency fund. “Doing this is perfectly fine if your emergency fund makes up less than …

How Big Your Emergency Fund Should Be Read More »

Forbes By Kate Ashford Published February 28, 2018 How do you get non-savers to save? “I generally have clients start off with a percentage that won’t change their world,” Brancaccio says. “We start with 1% to 2% [retirement plan savings] and gradually, throughout the year or years, increase up to 5% to 8%.” Ideally, people …

Americans Still Missing The Boat On Retirement Savings Read More »

MassMutual Blog By Shelly Gigante Published January 23, 2018 First and foremost is the risk inherent in market timing, said Bill Brancaccio, a financial advisor and founder of Rightirement Wealth Partners in White Plains, New York. Investing a lump sum ($11,000 for singles or $22,000 for couples) into the market at any single point makes …

Why funding your IRA early might help maximize your return Read More »

MarketWatch By Alessandra Malito Published: November 1, 2017 401(k) plans have the spotlight under the proposed tax plans, but not for the right reasons. The “Rothification” of a 401(k) plan isn’t necessarily a bad thing, but instead of making it either or, policy makers should consider offering both traditional and Roth plans to employees, said Byrke …

Four ways to change 401(k) plans for the better Read More »