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Blog

The Ultimate in Responsible Pet Ownership

If you assume that a friend or relative will love and care for your pet as much as you do, think again. Only one out of five Americans has an up-to-date will and only 20% of those include provisions for pets. Unfortunately, this leads to an estimated 500,000 dogs and cats being euthanized every year when their owners die. Every animal shelter in the country deals with orphaned pets. They arrive for one reason: their owners didn't plan to die or become incapacitated.
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Comparing Taxable and Tax-free Bond Yields

Comparing taxable and tax-free yields involves making sure you understand a bond's tax status. The interest on corporate bonds is taxable by local, state, and federal governments. However, interest on bonds issued by state and local governments--generically called municipal bonds, or munis--generally is exempt from federal income tax. If you live in the state in which a specific muni is issued, it may also be tax free at the state or local level.
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What do Morningstar Ratings Really Mean?

The Overall Morningstar Rating (the star rating) assigns 1 to 5 stars based on a funds past risk- and load-adjusted returns versus category peers.The Morningstar Analyst Rating is a summary expression of Morningstar forward-looking analysis of a fund. Morningstar analysts assign the ratings on a five-tier scale with three positive ratings of Gold, Silver, and Bronze, a Neutral rating, and a Negative rating.
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New Jersey Schools Must Teach "Financial Literacy"

Reading, writing, arithmetic… and 401(k)s? NJ districts will soon have to provide "financial literacy education" to middle school students.
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Managing Post-Holiday Debt, What are your Options?

If you used your credit card to purchase gifts this winter, your January statement could be the biggest one you get all year. Here’s how to keep your post-holiday debt under control.
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Help us help more dogs.

Get your winter dog-hoodies while they last. 4 Paws Dog Rescue of NJ is a non-profit, no-kill, all-volunteer dog rescue organization serving the surrounding area. They are dedicated to rescuing dogs from public shelters where they are at high risk of euthanasia due to pet overpopulation, dogs surrendered by their owners because of difficult circumstances, and those suffering from abuse or neglect.
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Is your Financial Advisor “Independent", an “RIA” or a “Wirehouse Rep”?

You have no idea but you should. Today there are a dizzying number of ways to invest money and a plethora of folks (and acronyms) who have their hands out to invest those funds. But who is the most qualified to invest your hard earned cash? What is a wirehouse? Isn't a custodian someone who cleans up after your kids at school? If you are looking for an investment professional, you need to do your homework because who you choose could make a significant impact on your financial well-being.
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Worried about market volatility as you near retirement?

Despite one of the longest periods of synchronized global growth, investors are concerned with; tighter monetary policy, potential trade wars, rising volatility and high valuations. Buckle your seat belts!! If you'd like to take yourself out of this situation completely without losing the potential for market gains...
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Should I use a HELOC to pay for college expenses?

I need to borrow money to pay for college expenses. I have no real college savings but I do have a home equity line of credit (HELOC). What are the pros and cons of using this instead of student loans?
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PAUL CRISCIONE CFP® QUOTED BY NJ.COM

My wife is terrified of investing in the stock market and would rather keep money in a mattress. We're in our early 40's and I know we have time. How can I convince her to take a little bit of risk? It's not like I want to invest in hedge funds or penny stocks.
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Are you happy with your 401(k) Investment Choices?

Are you dissatisfied with the investment options within your 401(k) plan, or resent high administrative fees and expenses? Is the service underwhelming? If this is the case and your plan allows, you may be able to roll your plan balance into an IRA while still employed. Unfortunately, all 401(k) plans are not created equal. While they are one of many powerful tools that can be used to help achieve retirement success; some plans may not provide a complete one-size-fits-all solution
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Paul Criscione CFP® quoted by NJMoneyHelp.com

June 28, 2018 - Paul Criscione CFP®, Senior Vice President, Freedom Capital Management, Financial Planning Team was quoted by NJMoneyHelp.com in response to a readers' question, "Should I choose a Roth 401(k)?" To review his response in addition to other insightful articles, click HERE
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Paul Criscione CFP® presents at VetPartners™

Paul Criscione CFP® had the pleasure of presenting Freedom Capital Management's Financial Planning Team at the VetPartners™ 2018 Mid-Year Meeting in Denver last week. This is the event for veterinary practice management consultants and industry experts. Attendees have the opportunity to learn and network with the leading minds in the profession as well as attend a variety of interactive sessions on current trends, best practices and lessons learned.
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Pre-Vacation Checklist

Pre-Vacation Checklist: The last thing you need to worry about while you’re on vacation is something going wrong and not having the document or contact information you need. Allow us to help you organize some of the essential documents, accounts, and types of information you may need while traveling. This checklist includes but is not limited to the following:
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"You're gonna make it after all!"

Industry Veteran, Rita Robbins, receives Investment News’ Women to Watch Award Colts Neck - March 13, 2018 – Freedom Capital Management is proud to announce that its President, Rita Robbins, has received the 3rd annual Investment News’ Women to Watch award. The award was presented to Rita at a luncheon that took place last Tuesday at the Pierre Hotel. This popular event was extremely well attended with over 400 guests as 22 women were honored for their contributions to the fina
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Happy Memorial Day

Memorial Day is a time to honor, reflect, and remember those who made the ultimate sacrifice for their country. Warm wishes to you and your family this Memorial Day.
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Paul Criscione, CFP® joins VetPartners.org

Freedom Capital Managements' Financial Planning Team is proud to announce that Paul Criscione, CFP® has joined VetPartners as one of its newest members. VetPartners is a nonprofit association of veterinary business specialists dedicated to serving the veterinary profession. The successful management of a veterinary practice is a complex challenge. Just as it is increasingly difficult to remain current in all areas of medicine for all species, it is similarly arduous to know all
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Market Volatility & Structured Products

Structured products are designed to try to protect an investors principal while enhancing return or hedging risk with a derivatives component. They offer a way to gain exposure to a given type of asset without actually owning that asset. Most structured products are debt instruments issued by investment banks or other large financial institutions. Like ordinary bonds, they have a fixed maturity date. A structured product may be registered with the SEC, listed on a national securities exchange,
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Congratulations to the EAGLES!!

In the spirit of celebrating a classic David vs. Goliath victory, today's article illustrates a similar struggle in our fragmented industry of wealth management services between wirehouse representatives, registered investment advisors and independent wealth managers.
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Tax Reform: Quick Reference Charts

The new tax code will reduce several of the marginal income tax rates. Click for Chart Comparing Changes in Tax Brackets and Tax Deductions and Tax Credits.
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Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck