financial planning


What to Look For in a Financial Professional

Financial services is a young profession and there’s a lot of squabbling going on with regard to what designations are best. There are 100x as many salesmen out there as financial professionals, though, and a bunch of the designations were designed to give them credibility. Quite a lot of the […]

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Uses and Abuses, Tips and Tricks About Debt

Last April, I watched as my eldest son drove out of my driveway in his loaded-down Subaru with a brand-new Thule box on it, headed for Utah with all his possessions loaded in his modern-day Conestoga wagon. As many of you know, a month later he fell off a cliff […]


My thoughts on 529 College Savings Plans

I’m not in love with 529 plans. I think they are really fabulous in a few settings, but most of the time they’d be my third or fourth choice for ways to save for college. First: when SHOULD you use a 529 plan? When you’re trying to create a trust […]

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Did you know that I am more than just a CPA doing a tax prep service?

April 25, 2016 As a Certified Financial Planner™professional, and as someone registered in Massachusetts as an Investment Advisor, I work as a fiduciary comprehensive financial planner for a group of clients who have me on an annual flat-fee retainer as their “financial concierge”. This service includes: retirement planning, estate planning, […]


Bond ladders for a prudent pantry

I’ve talked in the past about the benefits of off-loading risk to an insurance company to create a pension in retirement.  When certain cash flow becomes a higher priority than investment growth, I’ve considered single premium immediate annuities (SPIAs) to do the job. Another idea is a bond ladder.  It’s […]

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Thanksgiving Family Money Letter – 2015

  Happy Thanksgiving! The biggest payoff comes from being good at things that are absolutely under our control. That’s the lesson I’ve learned studying economics, finance, and investment theory. That includes saving for goals, being a judicious consumer, and maintaining your relationships, your health, and your emotional wellness. One of […]


The retainer-based financial planning model

A fee-only fiduciary certified financial planner is someone who is a financial professional. “Fiduciary” means “putting your interests ahead of my own. Not equal to, but ahead. I have to act as a trustworthy agent for you. It’s the professional standard that you should insist on, but most people never even realize […]

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Alliance of Comprehensive Planners

It’s been hard to find my path as a fiduciary, fee-only financial professional.  There are so many sales agents out there that people automatically think I’m just another one.  How can they tell, when financial credentials are so thick on the ground?  I’ve heard some really ridiculous ones.  But a […]


What to bring to your first appointment with Wendy Marsden, CPA, CFP®

You’ve just signed up for a consultation with a financial professional.  What do you need to bring? It depends a bit on what you’re hoping to get out of the meeting.  Let’s break it into three cases and you can skip to the section you think fits your situation: Financial planning […]

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Thanksgiving Family Money Letter – 2014

Happy Thanksgiving! Thank you for your business this year!  You’ve been a big part in helping a Main Street business succeed. We’ve been working with the Franklin County Community Development Corp to add more services – and more jobs – to Tea & Taxes Company. We appreciate your continued support – […]


Thanksgiving Family Money Letter – 2013

2013 Year-End Tax Planning and Financial Wellness 2013 Thanksgiving Family Money letter   PublicFriendsFriends except AcquaintancesOnly MeCustomClose FriendsFamilySee all lists…Greenfield, Massachusetts AreaClientsLJKids’ FriendsTea & TaxesLimited ProfileNorth Country Union High SchoolTea & Taxes CompanyJust MeFamilySchooldaysPEOMHC ClubHamMount Holyoke CollegeUniversity of Massachusetts AmherstAcquaintancesGo Back November 27, 2013     Welcome to my annual […]

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