Schwab Digital Account Opening Guide

For new clients joining our firm or current clients looking to add new accounts to their advisory relationship with our firm, we are now offering the use of Schwab’s Digital Account Opening Tool. We have included a link below to the step by step guide shared by Schwab to assist clients in navigating this tool.… Read more »

New DocuSign Guidance For Clients

In an effort to improve our practices and procedures to be more efficient and secure for our clients we have adopted new DocuSign tools. For those unfamiliar with DocuSign we have provided a link below to step by step screen shots on what to expect should a client receive a DocuSign email from our firm.… Read more »

Congratulations Ellen!

Please join us in congratulating Ellen Bosco-Brennan, who has completed her Financial Paraplanner Qualified Professional (FPQP®) designation! Ellen has been diligently working over the past few months to complete this certification program. This program has helped her gain a better understanding of personal financial planning so that she can better assist our clients with their… Read more »

Updates to our In-Office Procedures

Although our staff has returned to the office, please be aware that we are still encouraging virtual meetings and will not be accepting any in-person meetings at this time. Anyone who needs to stop by our office to drop off materials or pick up documents is asked to wear a face mask and adhere to… Read more »

RMHC Golf Tournament

Ronald McDonald House Charities of Western New York is part of a global network of Ronald McDonald Houses and programs that serve nearly 6,000,000 children and families annually. Since 1974, their network of local chapters has been making children happier and healthier by keeping families together and giving them a place to rest and heal.… Read more »

Mike Paternity Leave

Mike Harmer and his wife, Marissa, are expecting a baby girl very soon! Please keep in mind that Mike will be out of the office on paternity leave from approximately Monday October 19th through the end of November (anticipated dates subject to change). During this time, we will be redirecting any phone calls or emails… Read more »

Medicare Open Enrollment

For 2021, Medicare coverage open enrollment is from October 15, 2020 through December 7, 2020. Medicare Advantage open enrollment is January 1, 2021 through March 31, 2021. During the annual enrollment period (AEP) you can make changes to various aspects of your coverage: Switch from Original Medicare to Medicare Advantage. Switch from Medicare Advantage to Original Medicare (plus… Read more »

Quarterly Investment Commentary Q3 2020

Third Quarter Market Recap Despite choppiness in September, equity investors saw solid gains during the third quarter. The S&P 500 Index rose 8.9% in the quarter and recovered all its losses for the year. Underneath the surface, mega-cap growth names continue to lead the U.S. market. Without the 42.5% year-to-date price return of the six… Read more »

Education-Related Tax Credits & Deductions

There are several tax incentives for higher education expenses that are available to taxpayers of various income levels. We have summarized a few incentives available which we see with our clients most often below: The American Opportunity Credit:   Calculation of Credit: The American Opportunity Credit allows for a maximum annual credit of $2,500 per… Read more »

Aged Care Planning

Have you or a loved one ever experienced a family health emergency where a decision for care needed to be made quickly and the idea of navigating the myriad of questions (Where should they go for care? How long will they need to stay at a facility? Who will manage their home and financial affairs… Read more »