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Elm Tree Capital, LLC
"If you think it's expensive to hire a professional to do the job, wait until you hire an amateur." Red Adair

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18 Shipyard Drive
Suite 2A 
Hingham, MA 02043 
781.236.0802

[email protected]

Blog

What’s on our mind? You can read about it in our blog. Whether it’s ideas from the investment services world or concepts from the financial industry, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

 

Sunday, November 4, 2018

What is it about the month of October? The stock market crash of 1929 ushered in the Great Depression. Black Monday 1987, also October, was driven by computer trading and portfolio insurance, though an economic calamity did not ensue....

 

Thursday, October 18, 2018

Floods, hurricanes, wildfires, earthquakes, extreme winds, and tornadoes. They all have the potential to create treacherous conditions and cause devastation. We prepare with insurance, but it is often inadequate. It covers many, but...

 

Wednesday, September 5, 2018

The month of August marked an important milestone for the long-running bull market. On August 22, the bull market, as measured by the S&P 500 Index, extended its run to 3,453 calendar days (CNBC, various sources), becoming the...

 

Tuesday, August 7, 2018

Have you ever embarked on a home improvement project? You are confident you can complete the task, but you are unfamiliar with the details. A “how to” clip is usually available on YouTube, but there isn’t a practical...

 

Thursday, July 5, 2018

“Our new Constitution is now established, and has an appearance that promises permanency; but in this world, nothing can be said to be certain, except death and taxes.” It’s a quote that comes down to us from...

 

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Thursday, May 24, 2018

Health care costs will be the biggest expense for most retirees. It’s not a pleasant prospect, but it is a reality. A 65-year-old couple that left the workforce in 2017 will spend an average of $275,000 to cover medical expenses...

 

Tuesday, April 10, 2018

Last year, stocks marched higher with only minor pullbacks. When the year ended, the largest peak to trough decline for the S&P 500 Index was just under 3% (St. Louis Federal Reserve data on the S&P 500). It was a year that lacked...

 

Tuesday, March 6, 2018

There are many different ways you can shelter your savings from taxes. It is a powerful incentive for us to save for retirement. Options give us choices, but choices can confuse as options proliferate. In the name of simplicity,...

 

Thursday, February 8, 2018

Busting 5 Big Retirement Myths Urban legends, urban myths, and the latest that’s on everyone’s lips–fake news. Whatever you call it, in our age of information, claims of spurious repute can go viral in minutes. Anyone...

 

Thursday, December 28, 2017

As 2017 draws to a close, we can reflect on a year full of surprises capped with the last-minute passing of the Tax Cuts and Jobs Act (hereinafter referred to as “tax bill”). In regard to the tax bill, listed below is what...

 

Friday, December 22, 2017

The “Tax Cuts and Jobs Act” was approved by Congress on Wednesday, December 20, 2017. President Trump is expected to sign it into law shortly. There are many provisions and changes you need to know in regard to the incoming...

 

Monday, December 18, 2017

I hope you and your loved ones had a pleasant Thanksgiving. There are many reasons to engage the services of a financial advisor. Some investors don’t understand the complexities and the array of choices, and they would prefer to...

 

Wednesday, December 6, 2017

As we head into the final lap, 2017 has been a pleasant year for stocks not just in the U.S., but around the world. Investors have been focused on the upbeat fundamentals–corporate profit growth sparked by economic gains at home...

 

Tuesday, November 28, 2017

Phased Mailing Schedule for 2017 Tax Reporting The mail dates for IRS Form 1099 (B, DIV, INT, OID and MISC) tax statements for the 2017 tax year are below. We will continue with our phased approach, ensuring our clients receive their...

 

Tuesday, October 10, 2017

Medicare and Health Insurance Enrollment: Finding the Best Coverage

 

Monday, October 2, 2017

I have had the pleasure of assisting many clients over the years. Some are newer clients. Our paths crossed via referrals, or we met through various professional organizations. There are many reasons why you’ve reached out to me...

 

Saturday, August 5, 2017

Since the beginning of the year, I’ve covered several topics that span the financial planning spectrum. This month, I’d like to take a slightly different tack and discuss the ins and outs of buying a home. For many, it will...

 

Monday, July 24, 2017

NEWS RELEASE FOR IMMEDIATE RELEASE Eric P. Zine (Esq., CFP®, CDFA®) Elm Tree Capital LLC Tel: (781) 236-0802 Fax: (866) 831-9994 [email protected] www.ElmTreeCapital.com Certified Divorce Financial Analyst® Joe Smith...

 

Tuesday, July 11, 2017

Picture this—it’s Friday afternoon, your work is done, and you have the weekend ahead of you. But what makes this weekend different than any other weekend is that two-week vacation following it. You wish your colleagues...

 

Monday, July 3, 2017

Cybersecurity

 

Monday, June 12, 2017

The steady diet of headlines pouring out of the Trump administration has been unsettling for most Americans, regardless of where they sit on the political spectrum. We know equity markets loathe heightened uncertainty. What is...

 

Thursday, May 18, 2017

Planning a Debt-Free College Education

 

Monday, May 8, 2017

So, You Just Won the Lottery, Now What? Successfully managing a financial windfall We’ve all heard the stories. If not first hand, at least in various news reports and anecdotes. Some “lucky” person picks the winning...

 

Thursday, March 30, 2017

 

Wednesday, March 8, 2017

How to Create Ultra-Secure Passwords That Keep Hackers Away

 

Wednesday, March 8, 2017

Hackers

 

Wednesday, March 8, 2017

article

 

Wednesday, March 8, 2017

% Ways

 

Wednesday, March 8, 2017

Ballooning college costs The average cost of tuition and fees for the 2016–2017 school year is $33,480 at private colleges, and $9,650 for state residents at public colleges. It averages $24,930 for out-of-state residents...

 

Monday, February 6, 2017

As adults, we know the importance of saving for retirement. It’s really easy. Just set up an automatic withdrawal from each month’s paycheck and direct it into a retirement account. What becomes trickier is the amount we...

 

Saturday, January 7, 2017

On guard against fraud Fraud is a reality that we must constantly guard ourselves against. There are those who can be considered trusted advisors and there are those who will always be unscrupulous. We know and understand that. Yet, by...

 

Tuesday, December 20, 2016

How a Parent and Child Asset Affect Financial Aid

 

Tuesday, December 20, 2016

7 Ways to Help You Cut College Costs

 

Tuesday, December 20, 2016

Essential Tax Tips for IRAs

 

Tuesday, October 4, 2016

September has come and gone and we have exited the month following a period of unusual complacency. Complacency is Wall Street speak for days upon days when the major market indices trade within an unusually narrow range. Recall that...

 

Wednesday, August 17, 2016

Have you ever met or approached a professional at a social event and been tempted to ask a personal question that relates specifically to your circumstances? I know I have. Whether it’s a physician, attorney, or CPA, when I am in...

 

Monday, July 11, 2016

A European political earthquake that’s felt at home Like many of you, my family and I had a wonderful time celebrating the Fourth of July holiday weekend. When I was growing up, the Fourth seemed mostly about barbeques, friends,...

 

Monday, May 9, 2016

Why we buy what we buy Last month, I talked about stocks and how the collective wisdom of the market values, or prices, companies. Continuing on with that theme, it’s important to understand why I may recommend a particular stock...

 

Monday, April 18, 2016

Probably the simplest reasons anyone invests in stocks are to make money (capital gains), generate income (dividends), or some combination of the two. Of course, that really is putting it in the simplest of terms. Many of you have...

 

Friday, March 4, 2016

Recession or no recession Recently, the focus for investors has been all over the map: Oil prices Corporate earnings The global economy China’s economy China’s currency (the yuan) Anxieties about banks (especially in...

 

Monday, February 22, 2016

Tax season is underway and that means an uptick in tax-related scams. One particularly pernicious form of fraud is tax identity theft. Tax-related identity theft happens when someone uses sensitive personal information (like your...

 

Sunday, February 14, 2016

 

Tuesday, February 9, 2016

 

Sunday, January 10, 2016

The Dow Jones Industrial Average is made up of 30 large, well-known companies. It is the best known and oldest of the many yardsticks that measure stock market performance. While not necessarily a household name, the S&P 500 Index—as...

 

Tuesday, November 3, 2015

According to the Center for Retirement Research, two-thirds of baby boomers can expect an inheritance.[i] If you’re lucky enough to inherit money, you might wonder: how will an inheritance change my financial picture? For some, an...

 

Monday, August 17, 2015

Joe got excited about Apple and ordered his advisor to buy 100 shares; his advisor worried about the out-of-character behavior but wasn’t authorized to speak to Joe’s family. Sally thought she had won the lottery and wired $50,000 to a...

 

Monday, August 17, 2015

With all the volatility markets have experienced in recent weeks, we wanted to discuss a few of the economic events that have occurred around the world, and offer our perspective on what recent events might mean for you as an investor....

 

Wednesday, May 6, 2015

Few things strike fear into a taxpayer’s heart like a letter from the IRS. Fortunately, the odds of you ever being audited by the IRS are lower than ever. Recent budget cuts have reduced the number of IRS auditors, and last...

 

Tuesday, May 5, 2015

The rules around Required Minimum Distributions can be confusing and the penalties for failing to take the correct distribution can be severe. For that reason, we’ve developed a brief primer on RMDs to help you understand your...

 

Tuesday, May 5, 2015

Have you thought about how living longer might affect your retirement savings? One of the biggest issues facing many Americans is the risk of outliving their money in retirement – we call this longevity risk. With average life...

 

Tuesday, May 5, 2015

If you’re like many Americans, you might be worried about how to prepare for your own or your loved ones’ long-term healthcare needs. In previous generations, elderly parents and grandparents could count on moving in with relatives...

 

Tuesday, February 10, 2015

As a financial professional, it’s part of my commitment to you to help you guide your financial affairs. One area that is particularly critical to get right is estate preparation and the protection of your loved ones from the...

 

Saturday, December 6, 2014

One of the most common questions that we get from clients nearing retirement is, "How much income am I going to need to be comfortable?" It's an important question that gets right at the heart of the retirement puzzle. Although we wish...

 

Wednesday, November 5, 2014

Are the young people in your life financially literate? By helping them learn about money, you give them an important head start on important life skills like developing good savings behavior, living within their means, and avoiding...

 

Wednesday, October 22, 2014

In October, hackers accessed the personal information of over 83 million JP Morgan Chase customers. Fortunately, the hackers weren’t able to access financial information or gain access to client accounts. However, they were able to...

 

Thursday, August 28, 2014

As they get older, Americans face complicated decisions about long-term care, estate strategies, and their finances, while potentially struggling with diminished capacity to manage their affairs. At some point, your parents and other...

 

Tuesday, July 22, 2014

Many Americans are in their second and third marriages. In fact, statistics from a 2012 book, The Remarriage Blueprint, suggest that nearly 40 percent of new marriages include at least one previously married spouse.[1] Remarrying later...

 

Wednesday, June 18, 2014

Home loans frequently make up significant amounts of household debt, and reducing as much debt as possible before entering retirement can seem like a good idea. A 2013 survey found that 40% of Americans age 55 and older believe that...

 

Wednesday, May 14, 2014

The IRS recently issued new guidance about the rules governing rollovers1 from Individual Retirement Accounts (IRAs)2. The new regulations state that IRA owners will only be allowed one 60-day rollover per 12-month period, regardless...

 

Friday, March 28, 2014

Tax time is here and we’re getting close to the April 15th filing deadline. Tax laws changed significantly in 2013 and taxpayers are now responsible for several new taxes as well as changes to deduction limits and exemption phaseouts...

 

Thursday, March 20, 2014

After 2013, many investors had forgotten that stocks could actually decline. While 2013 was a banner year for stocks, it was very much a historical abnormality in which equities seemed to ignore bad news (including a federal government...

 

Thursday, February 20, 2014

Retirement is an exciting journey . . . but you may have concerns about your financial security and how you are going to cover the expenses that come with this new journey. The reality, of course, is to do it in style—and...

 

Tuesday, February 4, 2014

Five Star Professional has selected Boston's Five Star Wealth Managers for 2014. Please click the link below for further details on your trusted financial planning partner.

 

Thursday, January 23, 2014

Social Security is a topic on many people’s minds these days and most retirees have questions about how and when they should begin taking Social Security benefits. This post aims to answer some of those common questions...

 

Wednesday, November 20, 2013

Market timing is basically the strategy of trying to predict future market movements in order to time buying and selling decisions. When markets are rallying or pulling back, it can be very tempting to try and seek out the top to sell...

 

Thursday, October 3, 2013

Is your child 18 years of age and off to college? If so, he/she is an adult in the eyes of the law and has the legal right to control his/her own life. This essentially means that if your child were to lose the ability to make or...

 

Wednesday, August 28, 2013

The J.P.Morgan Asset Management website presents an excellent introduction to Rollover IRAs. Titled . . . the website states that rolling over your company retirement plan "to a tax-advantaged IRA" . . . is often the best option...

 

Tuesday, August 27, 2013

Following is a link to a dated but informative Forbes article titled "Roth IRA Conversion: Are You a Good Candidate?" The author, David John Marotta, provides a helpful introduction to the Roth IRA Conversion...

 

Wednesday, August 21, 2013

Rising health care costs are the primary reason why many baby boomers deplete their retirement savings and do not reach their retirement lifestyle goals . . . . with proper and insightful planning . . . . a number of steps to prepare...

 

Tuesday, August 20, 2013

Dear Clients and Friends,Five Star Professional has named Elm Tree Capital a 2013 Five Star Wealth Manager. This level of excellence is achieved by fewer than 7 percent of the wealth managers in the Boston area.The selection is the...