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Monday, August 10, 2020

The Week on Wall StreetOverlooking stalled efforts by Congress to pass a new fiscal stimulus bill, stocks marched higher last week with the Dow Jones Industrials leading the way and the NASDAQ Composite setting multiple fresh record...

Monday, August 3, 2020

The Week on Wall Street Stocks were mixed last week amid a busy week of earnings, some troubling economic data, and seemingly little progress on a new fiscal stimulus package.The Dow Jones Industrial Average slipped 0.16%, while the...

Monday, July 6, 2020

The Week on Wall StreetIn a holiday-shortened week, stock prices turned higher as encouraging economic data outweighed an increase in COVID-19 cases and a rollback in economic re-openings.The Dow Jones Industrial Average rose 3.25%,...

Monday, May 4, 2020

The Week on Wall StreetStock prices ended the week slightly lower, despite news of positive results from a test trial of a COVID-19 drug treatment and several states easing their economic lockdowns. The Dow Jones Industrial Average...

Monday, March 2, 2020

Going through a divorce is one of the most stressful life experiences a person can go through. For many, it may feel as if you are going through a hurricane. Here are 4 steps to follow to rebuild your financial house

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Monday, March 2, 2020

Breaking up is hard to do. Breaking up is even worse when it involves money. Divorce is never an easy matter. Surprisingly enough though, getting distributions before age 59 ½ from retirement accounts settled through a divorce...

Thursday, January 23, 2020

We are excited to be rolling out our new client mobile app. Check all your account balances, performance, documents, and Advisor commentary all in one place. Available on the Apple store and also on the Google Play app store for...

Monday, December 23, 2019

Congress has passed significant changes to retirement savings law that will affect individuals in or nearing retirement, new parents, small business owners and employees, and could have a major impact on estate planning. The Setting...

Thursday, August 29, 2019

Financial planning is all about achieving your goals by creating a solid financial foundation that can support them. Having the right financial advisor on your side helping you put all of the pieces together could make the difference...

Friday, July 19, 2019

A decade of dominance by U.S. stocks raises a common question: Why bother investing outside the U.S.? While there are many reasons why a US-based investor may prefer a degree of home bias in their equity allocation, using return...

Tuesday, May 28, 2019

At some point or another in our lives, we have left a job to move on to another company. But too often, we forget to pack one our most important personal items in our moving box, our 401k! It’s easy to do really, given the...

Monday, May 20, 2019

We are proud to announce that Cathy Pareto and Associates has been named as a 2019 top ranked financial advisory firm in Miami and Coral Gables by Advisory HQ. Out team of advisors and planners are dedicated to helping clients build a...

Tuesday, May 7, 2019

2019 Catch-Up Contribution Limits Did you know that if you are 50 years old or older at the end of the calendar year you can make additional contributions into your retirement plan? 2019 IRA Catch-Up Amounts Traditional and Roth IRA...

Tuesday, May 7, 2019

Cathy Pareto and Associates is a proud sponsor of the ALS Recovery Fund (Lou Gehrig’s Disease)10K Run 5K Walk this Saturday May 11, 2019 in Coconut Grove. https://alsrecovery.org/

Thursday, April 25, 2019

Robo Advisor vs Human Advisor? Which Should You ChooseIf you are just starting out, the use of online investment and financial planning tools can be helpful. These online tools can help you get started and can also provide some level...

Tuesday, April 16, 2019

The cycle of market emotions can be described as riding a non-stop roller coaster at an amusement park. When you invest in the financial markets there will be many highs, many lows, and in some cases some plateaus. However, through a...

Tuesday, March 5, 2019

Financial Planning Made Easy While it is always better to start planning for your future early on in your career, it is never too late to get your finances in order. Let our team help you feel more confident about your financial...

Wednesday, January 2, 2019

2019 Retirement Plan Limits The IRS just issued Notice 2018-83 containing the 2019 retirement plan limitations as adjusted for cost-of-living. The IRA contribution limit is increasing to $6,000 for 2019, and most of the income...

Monday, December 17, 2018

Happy Holidays to all. As you already know, the Tax Cuts and Jobs Act of 2017 (TCJA) was enacted at the end of last year and generally takes effect for 2018 and later years. The changes affect almost every business and most individuals...

Thursday, October 11, 2018

Divorce is ranked as one of the most disruptive, stressful, and difficult experiences a person can go through in their life. Even in the best-case scenario where both parties agree to mutually separate, the actual process of splitting...

Thursday, July 19, 2018

The long-running debate on whether a backdoor Roth is legal is over. While the Backdoor Roth IRA strategy has been employed by high-income individuals since 2010, its legality was questioned by some because of the IRS step doctrine....

Friday, February 23, 2018

Phishing scams can wreak havoc on your finances by tricking you into providing thieves with personal identifiable information through fake websites or even over the phone. It used to be that phishing was limited to emails received from...

Thursday, February 1, 2018

Bitcoin and other cryptocurrencies are receiving intense media coverage, prompting many investors to wonder whether these new types of electronic money deserve a place in their portfolios. Cryptocurrencies such as bitcoin emerged only...

Friday, December 22, 2017

The recently enacted Tax Cuts and Jobs Act (TCJA) is a sweeping tax package. New rules will affect income taxes, deductions, college savings, and more. Here’s a look at some of the more important elements of the new law that have...

Wednesday, November 15, 2017

The end of the year is fast approaching and if you are 70½ you only have until December 31st to complete your required minimum distribution (RMD) from your retirement account(s). That is, if you want to avoid a stiff penalty....

Saturday, October 28, 2017

On October 27, 2016, the IRS announced cost of living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax year 2017. Here are the highlights.

Thursday, October 19, 2017

When You Only Have 5 Years or Less to Retire You have worked hard for many years and now it is time to start thinking about what your retirement will look like. You may have some thoughts, dreams, and even some worries about retirement...

Thursday, September 21, 2017

Protecting your identity and financial information is difficult enough. Now we have learned that Equifax, a major credit reporting agency, has been breached. According to the agency 143 million records were exposed. So what can you do?...

Tuesday, May 16, 2017

by Guest Columnist, Jackie Waters If you are the parent of a special needs child, you already know how important it is to prepare for the future. A number of issues can come forward during both childhood and adulthood. Your job is to...

Sunday, December 6, 2015

by Alexandra Caraballo- November 2015 For several years now we have been talking about the fact that Social Security has been in dire need for a major overhaul. With expenditures increasing well passed the revenue coming into the trust...

Monday, January 26, 2015

What Does Trying to Lose Weight and Planning for Retirement Have in Common? For many of us, shedding a few extra pounds can prove to be a challenge. What is frustrating is that most of us know how to lose weight. At the core of it,...

Friday, December 12, 2014

Entrusting someone with your savings and investments is never an easy thing. This is why it is critical that you do your due diligence when selecting a financial advisor or financial planner and that you feel comfortable with not just...

Wednesday, October 1, 2014

Because Life is Not Static We understand that life is not static and that each stage of your life requires special consideration. This is the reason why we begin every engagement with a financial plan. We help you plan for the future...

Friday, July 18, 2014

by Guest Columnist Doreen Lima, MBA In the human repertoire of multiple intelligences, an individual’s emotional intelligence quotient (EQ) plays a significant role in crafting a satisfying life. This in part is because a highly...

Monday, May 26, 2014

by Cathy Pareto, MBA, CFP® – May 2014 Investors need portfolios that reflect their different financial goals, time horizons, and risk preferences. Although there is no “perfect” portfolio, many investors will find...

Friday, May 23, 2014

Individual retirement accounts (IRA’s) represent an accumulation of pretax funds. They can be funded from a 401–K or other qualified plan or from individual contributions through the years, but no tax is paid on the...

Friday, May 23, 2014

Today, the interest rate returns available from fixed income investments are at all time historic lows. In the search for increased income returns, more and more people are turning to Real Estate Investment Trusts, commonly known as...

Thursday, August 8, 2013

Fixed income can play an important role in a portfolio. But its role may vary according to an investor’s financial needs and concerns. For example, many investors look to fixed income for safety, income, and more stability in...

Tuesday, March 26, 2013

by Ana Maria Martinetti-Katz, MBA, CFP®, CPA – August 2013 For a number of years now, the rule of thumb has been that a 4% withdrawal rate from a portfolio during retirement was “sustainable”. That is, it was...

Friday, August 31, 2012

The last five years in the markets have been nothing short of challenging, to say the least. Global economic headwinds have left investors and advisors alike, looking for ways to improve investment results and boost income while more...

Thursday, August 30, 2012

by Ana Maria Martinetti-Katz, MBA, CFP®, CPA – August 2012 As financial advisors, clients who are lucky enough to have a retirement pension through their employer often ask us which income option is best. This is a very...

Monday, August 20, 2012

Investing and Financial Planning for Individuals Whether you’re single because you’ve never married, or are suddenly single due to divorce or death of a spouse, money management and financial planning are critical. You have...

Wednesday, July 11, 2012

When it comes to tax planning for 2012, only one word can describe the environment we face: uncertain. Many of the “Bush era” tax cuts are set to expire come year-end which, may directly impact your income tax planning as...

Wednesday, June 13, 2012

Time for a New Strategy? The growing complexity and interconnectedness of our global markets demands rigorous research on markets and the sources of investment returns. Our primary goal as your Advisor is to maximize your expected...

Saturday, May 19, 2012

Same-sex couples and same-sex marriages face important issues that traditional married couples are not exposed to. Because gay marriage is not recognized in the majority of states and certainly not at the federal level, estate planning...

Tuesday, May 8, 2012

The notion that as Baby Boomers retire the stock market will sink has been hotly debated for years. The looming concern is that as retirees sell equities to finance their income needs, equity values will become depressed. Are these...

Wednesday, April 25, 2012

by Ana Maria Martinetti-Katz, MBA, CFP®, CPA – April 2012 The current state of the economy has many employers avoiding new hires and squeezing more and more from existing employees. As a result, many individuals are finding...

Wednesday, April 25, 2012

A trust is an agreement that describes how assets will be managed and held for the benefit of another person. There are many types of trusts, designed for different purposes, so let’s begin discussing the elements common to most...

Monday, April 23, 2012

With all the media hype surrounding the Facebook IPO many investors, novices and seasoned investors alike, are chomping at the bit to get in on the action. One cannot deny the allure of being economically tied to a global game changer...

Monday, March 19, 2012

Can there be dignity in divorce? If you’ve survived your own divorce or have ever seen the movie “War of the Roses” you know that divorce can be an emotionally wrenching process regularly beset with anger, frustration...

Friday, March 9, 2012

Tax Planning for 2010 Down to the Wireby Financial Planning Association – December 2010 As a changing power base in Washington wrangles over tax policy in the waning days of Congress’ lame duck session, millions of families...

Friday, March 9, 2012

What the New Presidency Signifies for Your Moneyby Cathy Pareto, MBA, CFP®, AIF® – November 2008 With the election just one day away, we thought we’d spend some time discussing the impact of Presidential politics on...

Friday, March 9, 2012

Time For a Personal Finance Tune Up?by Financial Planning Association As the summer winds down and another quarter nears a close, it’s a great time to evaluate your current financial position and start planning ahead. A midyear...

Friday, March 9, 2012

Flexible Spending Accounts No Longer As Flexibleby Cathy Pareto, MBA, CFP® – August 2011 Conceptually, flexible spending accounts make a lot of sense. After all, who can deny that paying for medical and health related items...

Friday, March 9, 2012

Retirement Plan Limits and Restrictions by Cathy Pareto, MBA, CFP®, AIF® 2007 Retirement Plan Limits *The maximum amount that can be contributed to a simplified employee pension (SEP) plan is 25% of an employee’s...

Friday, March 9, 2012

Common IRA Rollover Mistakes to Avoidby Cathy Pareto, MBA, CFP® If you don’t know the rules of the game, it’s easy to get fouled out, and when it comes to IRA Rollovers, those fouls can cost you big money if you are not...

Friday, March 9, 2012

IRA Updates and Retirement Plan Reminders for 2009by Cathy Pareto, MBA, CFP® – January 2009 It’s a new year and a perfect time to recap some important tax law changes and updates as they pertain to retirement accounts....

Friday, March 9, 2012

There May Never Be a Better Time for a Roth Conversionby Cathy Pareto, MBA, CFP®, – September 2009 Roth IRA’s have long offered investors a great opportunity to grow their wealth in a tax free environment. But, because...

Friday, March 9, 2012

Ways to Afford Your Retirement Catch-Up Contributionsby The Financial Planning Association- March 2010 Turning 50 might not be everyone’s idea of excitement, but when it comes to saving for retirement, 50 is when things start...

Friday, March 9, 2012

Building Retirement Portfolios to Withstand the Test of Timeby Cathy Pareto, MBA, CFP® – December 2010 The need for retirement planning does not end with the onset of retirement. A new retiree’s focus shifts from...

Friday, March 9, 2012

Market Insanity: To Sell or Not to Sell?by Cathy Pareto, MBA, CFP® – January 2008 I vowed after turning thirty to never ride roller coasters again. My stomach can’t seem to take it anymore. I’m getting that same...

Friday, March 9, 2012

Is It Time To Abandon Stocks?by Cathy Pareto, MBA, CFP® – November 2008 It’s not unusual to hear prognostications of doom and gloom when the markets are in disarray, as they have been for several months now. A front...

Friday, March 9, 2012

Are The Joneses Keeping You From Building Wealth?What You Can Do To Change Itby Cathy Pareto, MBA, CFP® It’s hard to pin down when it happened but it happened. At some point, society subtly taught us that we are what we have...

Friday, March 9, 2012

2010 Economic and Market Reviewby Cathy Pareto, MBA, CFP® – January 2011 The past year offered an interesting mix of positive and negative news as investors around the world eagerly anticipated signs of economic recovery and...

Friday, March 9, 2012

What’s Driving Gold?by Cathy Pareto, MBA, CFP® – March 2009 Much attention has been given to the rise in the price of gold in recent weeks, leading investors to wonder, what are the current factors driving gold? The...

Friday, March 9, 2012

Understanding Mutual Fund Share Classes and Their Costsby Karla Arguello, MBA To the unsuspecting investor, all mutual funds might look the same. In fact they are not. With over 25,000 mutual funds now available in the marketplace,...

Friday, March 9, 2012

Should You Keep Investing During A Sinking Market?by Cathy Pareto, MBA, CFP®, AIF®- 2008 Sure, it’s been a rocky year in the markets—to say the least. It is so hard to for anyone to hide from the perpetual bad news,...

Friday, March 9, 2012

Interest Rate Forecasting and Your Bond Portfolioby Cathy Pareto, MBA, CFP®January 2010 The basic premise of active investment strategies is that the investor is willing to make bets on the future rather than settle with what a...

Friday, March 9, 2012

Cruise Control Options for Your Portfolioby Cathy Pareto, MBA, CFP® Lifecycle funds are all the rage lately. And why wouldn’t they be? They’re one of the easiest and most practical tools for investors to map out their...

Friday, March 9, 2012

Avoiding Investment Fraud and Deceitby Cathy Pareto, MBA, CFP® – February 2009 It’s darn near impossible to open a newspaper today without at least one headline referencing financial fraud and abuse. Frankly, the sad...

Friday, March 9, 2012

Are You Still Investing in Your Company’s Stock?by Cathy Pareto, MBA, CFP® For many investors investing in their company’s stock makes sense. After all, you are an insider and it makes you feel like you know what is...

Friday, March 9, 2012

Exposing the Fallacy of the “Lost Decade”by Cathy Pareto, MBA, CFP® – March 2010 The last ten years have certainly been an economic disappointment for many, with good reason. From the tech bubble bursting, to the...

Friday, March 9, 2012

Understanding the VIX Indexby Ana Maria Martinetti-Katz, MBA, CFP®, CPA – August 2011 Charles Dickens once wrote, “It was the best of times, it was the worst of times…” The stock market has certainly seen...

Friday, March 9, 2012

Investing Versus Trading-How are They Different?by Cathy Pareto, MBA, CFP® – January 2012 I’m constantly amazed by the number of people who use the terms “Investing” and “Trading” as if they were...

Friday, March 9, 2012

Retirement vs. College Savings: Overcoming the Funding Conundrumby Cathy Pareto, MBA, CFP®, AIF® Life is a constant juggling act. Every day we juggle tasks, time, people and goals. This is especially true when it comes to...

Friday, March 9, 2012

Understanding the Benefits of Asset Allocationby Cathy Pareto, MBA, CFP®, AIF® You would not suspect this given today’s turbulent markets environment, but asset allocation actually does work. This much we know–...

Friday, March 9, 2012

Your Answer May be Detrimental to Your Future Wealth July 2008by Cathy Pareto, MBA, CFP®, AIF® Oil prices are high, real estate is down, the dollar is flat, unemployment is high, your investments are down, and no one really...

Friday, March 9, 2012

Cathy Pareto And Associates Voted 2008 “Most Dependable Wealth Management Firm” for Women in the US As seen in Forbes Magazine Cathy Pareto And Associates has been selected as one of the “Top 10 Most Dependable Wealth...

Friday, March 9, 2012

Cathy Pareto, MBA, CFP® of Cathy Pareto And Associates, Inc. has been selected by Worth Magazine as one of its Top 250 Wealth Advisors in the US. “Each year, Worth recognizes an elite group of individuals for their expertise,...

Friday, March 9, 2012

Physicians, because of their high incomes and high visibility, are often easy targets for bad advice. When hiring an advisor, a considerable amount of thought and research should be dedicated to the process. After all, it’s only...

Friday, March 9, 2012

Stockbrokers, Fee-Only Advisors, Fee Based Advisors – What’s the Difference?by Cathy Pareto, MBA, CFP® The financial services industry is a very crowded space. With so many “advisors” to choose from, how do...

Friday, March 9, 2012

7 Good Reasons to Fire Your Adviserby Cathy Pareto, MBA, CFP® 1. You Feel Like a Little Fish in a Big Pond Ever gotten that feeling that your Adviser could care less whether you stay with him or her? The reason may be simple; your...