Are we in a housing bubble? My parents recently sold their home, and although nostalgic, it was a few years later than my brother and I would have liked. They were able to take advantage of this post covid housing spike, but still sold their home for 25% less then they could have sold it...Read More

Getting Back to Normal Schools are opening in NJ next year with no remote option being provided to parents. The mask mandate is going to be over on Friday, May 28th, and Covid case numbers should be below a 10K average within the week. Things are slowly but surely getting back to normal. One of...Read More

Panic selling will ruin years of good investing decisions Yes, even once, panic selling will ruin years of good investing decisions. That is a really factual statement and easy to write. It is much harder to put into practice when the market is plummeting and you need to maintain your investing discipline. A classic case...Read More

Stop caring about things that don’t matter. Happy Mother’s Day to all of the wonderful moms out there. After we woke up at the crack of dawn to watch an 8u travel baseball game we enjoyed a quiet day at home which was perfect! As the family lay around, I was reading an article about...Read More

Stop making me cry on a Monday I grew up in Suffern, NY, right over the NY border from where my office is and I live in Ramsey, NJ. The zip code is 10901, which, if written a different way 10/9/01 also happens to be a date that changed who I am as a person....Read More

By Jeff Deiss CFP, AEP, Wealth Advisor Your ACM Wealth Advisor’s experience and guidance can help you visualize your future in retirement and make the decisions to keep you on track, taking these key retirement income considerations into account and how your investment portfolio should be designed based on your individual needs, goals and risk...Read More

Major Biden, Dog Training, and Financial Planning If you know me, you know I love dogs. My wife and I have been together 15 years this year, and we have always had a dog, and actually other than for maybe a year total we have always had 2 dogs. Currently we have 2 black labs,...Read More

By David Ruff CFA, Global Portfolio Manager Given the seemingly national obsession with Bitcoin I’ve had to become more of an expert on the king of digital coin and other cryptocurrencies like Ethereum, Ripple, Litecoin, Tether, and Dogecoin.  Equity investing is the heart of my comfort zone, but my colleague Randy Coleman’s commentary Is It Really...Read More

Fear of Missing Out (FOMO) If you ask any of my friends, many of whom are clients and reading this right now, they will tell you I suffer from an extreme case of FOMO. Fear of missing out. I have passed it along to my daughter who will hold her eyelids open rather than go...Read More

Taxes, Taxes, Taxes Do you remember your first job? Mine was at CVS, stocking shelves at first and eventually as a cashier. I remember coming home with my first pay check, absolutely beaming. I opened it with my father, and promptly asked “what the heck is FICA and why is it taking all of my...Read More