Shoreline Financial Advisors is now Exencial Wealth Advisors of Connecticut. In the 1st quarter of 2023, Shoreline joined forces with…
Although many of us remember stagflation as a phenomenon of the 1970s associated with very long gas lines, the term was first coined by a British MP to describe their experience of simultaneous high unemployment and inflation in the UK in the 60s….
This month China celebrated the 100th anniversary of the establishment of the Chinese Communist Party. It was interesting, many commentators noted, in its focus on the future and China’s unstoppable rise, and its tone of confrontation…..
One year ago, as the highways were largely empty, we poled market strategists, scientists, and policy experts…
2020 was a year that will not be easily forgotten. On one hand, the coronavirus was a dominant part of the news flow and it is still a very tragic and certainly not contained….
Just recently, we heard Randy Pausch quoted on the radio and it reminded us of the wisdom he imparted on us with his last lecture….
Watch this fun video comparing heavy traffic with investment decisions…
Cautious Optimism Remember, things are never clear until it’s too late. ― Peter Lynch, One Up On Wall Street The first half of…
How is Social Security Taxed? It is important to know that 0%, 50%, or 85% of your social security benefits…
Let’s Meet At SFA, we start with a meeting so we can get to know you and so you can…
How do you choose a retirement plan? As a small business owner or self-employed individual, you may not realize how…
Connecticut income tax rates range from 3% to 6.99%. While 6.99% is the published “maximum,” you may find yourself paying…
The CARES (Coronavirus Aid, Relief, and Economic Stability) Act is a bill passed by Congress providing funding relief to large…
The SECURE Act (Setting Every Community Up for Retirement Enhancement) Act was passed in December 2019, with the goal of…
Let’s Begin Financial planning is all about you— It encompasses your life and the things that are most important to…
As a Registered Investment Advisor, we can manage brokerage accounts, IRAs (Traditional, Rollover, Roth, and Inherited IRAs), SEPs, SIMPLEs, Individual…
What is Medicare? Medicare is a national health insurance program for people 65 or older, certain people under 65 with…
“It is difficult to make predictions, especially about the future.” Although the above quote is often attributed to Yogi Berra,…
“What a hell of a league this is. Ah hit .387, .408, and .395 the last three years, and Ah…
Multiple industries are seeing a rise in a new tactic of cyber-criminal activity that affects all consumers. Shoreline Financial Advisors…
Social Security tips that should factor into a couple’s decision on when to file As you transition into retirement, you’ll…
Looking to purchase of an investment property or second home? Read this first. Owning a vacation home has been a…
Let’s debunk the top 5 Social Security myths As a public insurance program, Social Security is a complex system. With…
Learn how a solo 401(k) is great idea for the Self-Employed If you are self-employed and meet certain requirements, you…
Setting up a TOD account can help avoid probate and consequently be a viable quick fix when a trust hasn’t…
With the recent drop in interest rates, many have considered to refinance their mortgage. We wanted to share some key points to consider when considering a refinance.
TIMING ISN’T EVERYTHING In our recent discussions, some have asked whether it is time to “take some money off the…
“Education to take your trading to the next level. Only at TDAmeritrade.” – TV Commercial “Gut check and keep your…
“…like it’s 1999” – Prince, September 24, 1982 With 2018 in the books, we reflect on a period of extended…
Start with the Basics Make sure you start with the basics when creating your resolutions for 2019. Create a Budget…
“Although it’s easy to forget sometimes, a share [of stock] is not a lottery ticket… it’s part-ownership of a business…”…
Follow the money – All the President’s Men, 1974 The quote above was attributed to Mark Felt, former associate director…
There is nothing permanent except change. – Heraclitus of Ephesus c. 535 – c. 475 BC The exact translation is…
Rental properties are very popular among people looking to build wealth. Part of the attraction is the ability to see…
This year we saw strong stock market returns, particularly for growth stocks. One of the reasons for the strong move…
The stock markets around the world continued to quietly churn higher in the 3rd quarter. Somewhere, the phrase “the most…
Unpopular and Underperforming Funds? – Strange Decisions This quarter marked the first phase of the implementation of the Fiduciary Rule. …
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The Fiduciary Rule First off, helping people with their financial affairs as a fiduciary is nothing new. It simply means…
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Ah, but I was so much older then, I’m younger than that now – Bob Dylan, “My Back Pages”, 1964…
Are you looking to make some positive changes with your finances this year? We have compiled a list of six…
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Our approach to cross-sell is needs-based as some customers will benefit from more products, and some may need fewer. —…
Congratulations to Brendan Smith for being selected as a Five Star Wealth Manager for the first time! Five Star Professional partnered…
Congratulations to Patrick Smith for being selected as a Five Star Wealth Manager for the fourth year in a row!…
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Have you signed into your Social Security account recently? Did you even know you have a Social Security account? If…
Should I Stay or Should I Go The English band The Clash had no idea in 1981 how prescient the…
Every day we hear about the market. It is in the news and on the TV. But what is the…
We thought it would be a good time to touch base with the market turmoil surrounding Britain’s referendum vote on…
Your Interest Comes First! In April, the Department of Labor (DOL) published new rules and regulations that financial advisors working with…
The first quarter of this year was one of unexpected outcomes on several fronts in financial markets. Despite the overwhelming…
Of Dinosaurs and commission based IRAs Do you have an IRA at an insurance company or in a brokerage based…
There was plenty to worry about in the past year as well as the opening of 2016. It is easy…
Congratulations to Patrick who has been selected as a Five Star Wealth Manager for the third consecutive year. Five Star…
You probably don’t. At Shoreline Financial Advisors, it is very important that our clients and our potential clients know exactly…
Once again this year, we are proud to be supporting the Marines Toys For Tots Program. Please stop by our…
Sales trips, incentive bonuses, free travel, transfer bonuses…. At Shoreline Financial Advisors, it is very important that our clients and…
It’s deja vu all over again. – Yogi Berra As we look back at the third quarter of 2015 and…
Shoreline Financial Advisors is a proud Iron Chef sponsor of the Men Who Cook charity event benefiting the Women and Family…
In our 2011 year end newsletter, we focused on the unfolding Greek tragedy that now appears to be in its…
Focus on What You Can Control To have a better investment experience, people should focus on the things they can…
Look Beyond the Headlines Daily market news and commentary can challenge your investment discipline. Some messages stir anxiety about the…
Manage Your Emotions Reactive Investing in a Market Cycle Many people struggle to separate their emotions from investing. Markets go…
Avoid Market Timing You never know which market segments will outperform from year to year. By holding a globally diversified…
Practice Smart Diversification Diversification helps reduce risks that have no expected return, but diversifying within your home market is not…
In the short run, the stock market is a voting machine, in the long run, it is a weighing machine…
The financial markets have rewarded long-term investors. Historically, the equity and bond markets have provided growth of wealth that has…
To improve is to change; to be perfect is to change often. – Winston S. Churchill In the spirit of Churchill,…
Life expectancies have increased substantially in the last 50 years. According to the National Institute on Aging, the 85-and-over population…
In this quarter’s missive, we explore the cost of taking oil out of the ground and the cost of taking…
Has life distracted you, and now you’re ready to give your finances a workout? We’ve compiled a list of five…
Congratulations to Patrick who has been selected as a Five Star Wealth Manager for the second consecutive year. Five Star Professional…
Observe good faith and justice toward all nations. Cultivate peace and harmony with all… The Nation which indulges toward another an habitual…
“Observe good faith and justice toward all nations. Cultivate peace and harmony with all… The Nation which indulges toward another an habitual…
People in both fields operate with beliefs and biases. To the extent you can eliminate both and replace them with…
Time is a sort of river of passing events, and strong is its current; no sooner is a thing brought…
These marks identify those individuals who have met the rigorous experience and ethical requirements of the CFP Board, have successfully…
This process of Creative Destruction is the essential fact about capitalism. It is what capitalism consists in and what every capitalist…
Congratulations to Patrick who has been selected as a Five Star Wealth Manager. Five Star Professional partnered with Connecticut Magazine…
“It was the best of times, it was the worst of times, it was the age of wisdom, it was…
All this has been my fault. – Robert E. Lee, July 3, 1863 after Pickett’s Charge on the third day…
Do the difficult things while they are easy and do the great things while they are small. A journey of…
“If it bleeds, it leads,” – Unknown Evolution in Information Processing Hundreds and hundreds of thousands of years ago while…
We are in the home stretch of an unprecedented bull market in bonds that has lasted three decades and investors…
It is exceedingly difficult to make predictions, particularly about the future. –Niels Bohr (1885-1962), Danish physicist Performance vs. Publicity: the Effects…