Category: Newsletter

Our midyear Investment Commentary is divided into two parts. First is a brief recap of our shared investment philosophy; second is our perspective on the current situation. As always, we welcome your questions/comments. GENERAL PRINCIPLES You and our team are long-term, goal-focused, planning-driven equity investors. We’ve found that the best course for us is to… Read more »

Over the past six months or so, many people have started to notice prices rising across the economy. Whether it be the housing market, cost of lumber, gas prices, or the cost of groceries, a dollar doesn’t go as far as it did a year ago. While current inflation can seem drastic when comparing it… Read more »

The management of a distribution portfolio is unique and should be designed differently from the management of an accumulation portfolio. However, complex distribution planning is still a developing area within the arena of Financial Planning. After focusing much of your investment lifetime on maximizing wealth accumulation through contributions and rates of return, your attention must… Read more »

Yes, you can collect Social Security benefits while working. However, depending on your age, there are some important caveats to keep in mind. Your earned income could reduce the amount of your Social Security benefits if you are younger than your full retirement age (FRA); the age at which you qualify to collect 100% of… Read more »

We would like to wish a very special “Congratulations” to Dan and Jill Byles-Smith on the safe arrival of a new addition to their family! Emily was born June 16, 2021 weighing 6 lbs. 5 oz. and measuring 20 inches long. Both Jill and baby Emily are doing very well. Dan and Jill are happy… Read more »

This summer, Waterford is helping HEART Animal Rescue curb kitten overpopulation by donating to cover spaying and neutering fees for cats in their care. Millions of healthy, adoptable animals are euthanized simply because there are not enough homes for them. Spaying or neutering your pets is the most effective way to reduce the vast number… Read more »

Please join us in welcoming Samantha Thomas to our firm as a full-time Junior Planner! Sam graduated in May from the University at Buffalo with her Bachelor of Science in Business Administration with a concentration in Financial Analysis. She will be assisting our Financial Planning and Tax Departments with meeting preparation and follow up, data… Read more »