What are the fees on that annuity? Good luck finding them

Annuities provide you with a steady stream of income in retirement. Some type of annuities will sock you with outrageous fees, however. Learn what questions to ask your financial advisor to make sure you’re not paying more than you have to. Read Jeff’s interview in this month’s Financial Planning Magazine article, “What Are the Fees on That Annuity? Good Luck Finding Them.” Read it here.


What’s the best way to convert a big IRA fund into a Roth?

While converting to a Roth IRA is often times a good idea – withdrawals are tax-free and there are no estate tax consequences – there are a few things that have to be addressed to see if it is right for you. Check out Jeff’s advice in this USA Today Feature. Read the article here: Read Article

Check out Jeff’s feature in The Suit Magazine, “Skip Buy and Hold: The Traditional Approach to Riding Out The Market Is Ineffective”. Read it here!



Is it time to check your exit strategy?

As they watch markets coast higher, notching record gains even after quick retreats, many investors are wondering: How long can it go up and up? And what will they do if things head south? “The number one question people need to be asking is ‘what is the strategy to get out,’” says Jeff Cutter, adviser
and owner of Cutter Financial Group in East Falmouth, Mass. Read more of Jeff’s comments in this recent Washington Post article. Read Article
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Student loans imperil parents’ retirement

As student loan balances continue to rise, advisers have a warning for clients who are inclined to help by cosigning or taking out a loan on the behalf of a child: When you
borrow, you imperil your retirement.. InvestmentNews asked for Jeff’s advice on managing that scenario. Check out his thoughts in this article. Read Article

Retirees, Get a Jump-Start on Your 2014 Tax Bill

The beach chair is beckoning, but isn’t it also tempting to save a wad of cash? Hold off on the sand and surf for just a bit, and take some time for your midyear tax review. Kiplinger asked Jeff for his thoughts on how getting a head start on your 2014 tax planning will help you find strategies to shave your payments to Uncle Sam.

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What To Do With That Old 401(k)?

Don’t know what to do with your old 401(k)? Few would blame you if that were the case after you changed or left your job. After all, you have at least six options. Jeff spoke with USA Today to help lend some advice. Read the article here: Read Article
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Too much of a good thing? What to do when clients are addicted to wealth

While wealth addiction has no official diagnosis and isn’t described in medical manuals, some therapists readily say that like drugs and alcohol, people can get dependent on making money. Investment News asked for Jeff’s take on how to work with clients that might suffer from wealth addiction. Check out his thoughts in this article. Read Article
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Does Being Self-Employed Mean You’ll Have to Work Forever?

February 2014
Self-employed people by definition must rely on themselves for their paychecks and their insurance. And then there’s retirement funding. Without the benefit of a company 401(k) (and the potential employer match), saving for the future falls entirely on their own shoulders.

Jeff spoke with “Daily Finance” about how to overcome these obstacles and successfully plan for retirement while being self-employed.  Read More


Financial tips: What to do if you win the Mega Millions lottery jackpot

December 16th, 2013
Winning the lottery is step one, but knowing what to do from there? Jeff sat down with to layout the best plan to manage all that money!Read Article



Affordable Care Act Scam Warning

October 8th, 2013
OK, you’ve probably heard the words “The Affordable Care Act” enough for a lifetime by now, but there are some things you’ve got to know.  Jeff Cutter chats with GalTime to give you the details you need to understand what this means for you.Read Article


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The Daily Finance: Pre-College Conversations to Have With Your Kids

Wall Street Journal

Uncovering Hidden Annuity Fees

August 5th, 2013
The 50-something couple came to Jeff Cutter’s office last year to discuss an annuity they had purchased in 2005. They had read an article about annuity fees that Mr. Cutter had written in the local paper and wanted to know if their investment was subject to hidden costs.Read Article

Senate Reaches Deal On Student Loan Interest Rates

July 18, 2013
College students may have dodged a bullet. Senators reached a tentative deal with President Obama Thursday that would roll back interest rates on new federal student loans.

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The Enterprise

Cutter Financial Occupies New Office

June 18, 2013
Cutter Financial Group has a new home!  Learn the details about our new office space in this article.

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How to Learn to Love Stocks Again

After breaking up with the stock market five years ago, Americans are taking some tentative steps toward reconciliation. Like a lot of troubled relationships, this one has been marked by accusations, recriminations, resentment — and a lot of fighting over assets. What stocks did to investors in the bear market of 2007–09 isn’t easily healed — across-theboard losses of 50% and more
are hard to forget and even harder to forgive. But at the start of 2013, it looked as though investors were ready to renew their vows.

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The Enterprise

Tax Time Comes With Many Changes To Tax Code

Tax time is always the most hectic time of the year for accountants and tax preparation professionals, but this year stands to be even crazier as people try to make sense of the Taxpayer Reform Act of 2012.

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Wall Street Journal

More Firms Roll Out Roths

Many employers are planning to add a Roth 401(k) option to their offerings of corporate benefits in the next 12 months, a new survey suggests, making it easier for workers to save money that can be withdrawn tax-free in retirement.

A provision in the tax law enacted in early January gives workers a chance to stockpile more tax-free earnings—but only if their employers’ 401(k) plans include a Roth option, along with the ability to move assets workers already have saved in tax-deferred 401(k) accounts.

Jeffrey Cutter was asked to give a quote for this Wall Street Journal article.

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The Enterprise
Cape News

Tax Time Comes With Many Changes to Tax Code

Tax time is always the most hectic time of the year for accountants and tax preparation professionals, but this year stands to be even crazier as people try to make sense of the Taxpayer Reform Act of 2012. “For the majority of people, they’re going to bring the same forms in,” said Jeffrey T.

Cutter, founder and president of Cutter Financial Group, as well as a member of the Falmouth Road Race board of directors, but this year higher income earners, beneficiaries of inheritances, retirees, and those planning for retirement are going to make their accountants earn their fee.

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Wall Street Journal

What a Tangled Web We Leave

When Alexandra Kaye’s husband died last year of a heart attack at age 57, she thought she was well prepared financially—until she started wading through the day-to-day details.

Ms. Kaye and her husband Jeff, British and American journalists living in Washington, had done more end-of-life planning than many couples. Among other things, they had wills in place and had talked extensively about what they would do if the other died.

Jeffrey Cutter was asked to give a quote for this Wall Street Journal article.

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Falmouth Road Race

Jeffrey Cutter Name to Board of Directors

The Board of Directors of the Falmouth Road Race, Inc., have unanimously voted to add Jeffrey Cutter, founder and president of Cutter Financial Group, LLC as a new board member of the non-profit organization.

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Wall Street Journal

Time to Convert to a Roth 401(k)?

A little-noticed provision in the new tax law gives many more workers a chance to stockpile tax-free retirement savings.

Some financial planners are calling the move a bonanza for investors, especially younger workers, while others have deemed it a dangerous trap.

Jeffrey Cutter was asked to give a quote for this Wall Street Journal article. His expertise on finance led him to be chosen to give his opinion on how to minimize the risks of converting to a Roth 401(k). Check out the article!

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Ed Slott Elite

Ed Slott, CPA and Company announces acceptance of Jeffrey T. Cutter, CPA, PFS from Cutter Financial Group, LLC in Falmouth into the Elite Advisory Group.

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