Your Estate Planning Checklist for 2025

June 18, 2025

There’s no downside to having a plan for taking care of your hard-earned finances and assets after your death. With proper estate planning, your family will greatly benefit from not being left to figure out “what’s next,” and you can feel confident in knowing that the probate court will not distribute assets contrary to ones wishes.

2025 Outlook

March 7, 2025

Thank you to all who attended our recent 2025 Semi-Annual Market Update Webinar. In this post, you'll find the recording of our webinar to listen to on-demand as well as our slide deck presentation.

2024 Mid-Year Outlook

August 20, 2024

Thank you to all who attended our recent 2024 Semi-Annual Market Update Webinar. In this post, you'll find the recording of our webinar to listen to on-demand as well as our slide deck presentation.

The Sedoric Group's 2024 Semi-Annual Market Update Webinar

March 11, 2024

Thank you to all who attended our 2024 Semi-Annual Market Update Webinar. Below you’ll find the recording of our webinar to listen to on-demand as well as our slide deck presentation.

AI: How Artificial Intelligence Will Change the Workplace in Finance

January 3, 2024

Picture this: It's just another workday, and you walk into your office and tell Alexa to turn on your lights, computer, and music (or, it has already executed your task via a preprogram!)...

2023 Mid-Year Outlook

August 11, 2023

The Sedoric Group Outlook is sent to all our clients to provide them with a summary of important financial events and policy changes. This includes a discussion of the themes we see developing in the years ahead and actionable items to consider as we navigate the second half of 2023.

The Sedoric Group's Semi-Annual Conference Call

August 11, 2023

Thank you to all who attended our recent semi-annual conference call. Below you’ll find the recording of our conversation to listen to on-demand.

Why We Can’t Wait to Fix Social Security

May 19, 2023

One need only see the headlines from France to see how volatile the issue of social safety net reform can be. Many citizens throughout France are in up in arms over the proposal by French President Emmanuel Macron to raise the legal retirement age from 62 to 64...

Love Your Accountant, Part II

March 9, 2023

Not unlike songs played on a golden oldies radio station, we believe certain retirement fundamental hits are worth repeating. In our case, as we approach the end of tax season we will repeat a mantra with increased importance: Appreciate your accountant. It's easy to take accountants and tax experts for granted when it comes to retirement savings.

2023 Annual Outlook

February 21, 2023

The Sedoric Group Outlook is sent to all our clients to provide them with a summary of important financial events and policy changes from the past year. This includes a discussion of the themes we see developing in the years ahead and actionable items to consider.

The Sedoric Group's Semi-Annual Conference Call

February 21, 2023

Thank you to all who attended our semi-annual conference call.

A Fiscal Earthquake Without the Adults

January 25, 2023

A recent posting in Axios notes: “A self-inflicted fiscal crisis could come at a terrible time amid a fragile U.S. economy and undermine a Treasury market that underpins the world financial system.” To what are they referring? Look at our nation’s finances today.

The Sedoric Group’s Special Market Update – December 1, 2022

December 28, 2022

Thank you to all who attended our thematic update outlining significant market-related events of 2022 and the possible silver linings lurking beneath the surface.

What Makes For a Successful Client?

December 16, 2022

We talk a lot about what an investor should look for in an advisor. Terms such as transparency (how does your advisor make their money) or whether they are a fiduciary or a sophisticated salesperson come up in our discussions. The attributes that make for a successful client, however, are often an afterthought, but they should be discussed and celebrated.

Amid the chaos, there is an opportunity

November 4, 2022

There is no doubt that economic uncertainty can unleash a pandora’s box of emotions and potential reactions to events and trends out of our control. Folks had justifiable concerns about portfolios losing value and overall wealth loss from 1973 to 1975 when inflation was raging; similarly in 2002 and 2009 when markets took a significant drop. Wealth loss was, and still is, no laughing matter.Yet, economic downturns are common and we believe the best investors are wise to discern the silver

Preparing For The Unexpected Works

August 30, 2022

We have discovered over the years that one of the more interesting aspects of our profession is how folks, often unintentionally, project their feelings, fears, and anxieties onto us. Whether it’s on vacation or at community gatherings, we take our emotional magnet status in stride. During times of economic turmoil such as today, we are on the receiving end of variations on a theme of “Aren’t these very stressful times for you and your clients?” Implicit in this query is

2022 Annual Outlook Mid-Year Report

July 28, 2022

The Sedoric Group's 2022 Annual Outlook Mid-Year Report includes a discussion of the themes we see developing in the years ahead and actionable items to consider as we navigate the second half of 2022.

Reality Check

June 17, 2022

No matter how hard one tries, there is no denying that the current behavior of markets is a gut check for markets, investors, and the public. For more than two years, we have been sailing through one storm after another of collective events due to synthetically low-interest rates and easy money.

Tom Sedoric Named a Best-In-State Wealth Advisor by Forbes Magazine

April 8, 2022

Partner and Executive Managing Director Tom Sedoric, who has been providing advice to successful families and individuals since 1984, is passionate about what he does. You can often find him in his home office surrounded by inspirational artifacts from his career.

What Exactly Does "Fiduciary" Mean?

March 26, 2022

A good fiduciary should be transparent on how they are compensated, how their fee structure is established, their specific roles and responsibilities, and should follow guidelines to avoid, minimize, and disclose conflicts of interest at all costs.

How to Grow Your Wealth—And Keep It

March 15, 2022

When it comes to retirement, knowing ahead of time how to set yourself up to live comfortably is important. There’s no one-size-fits-most plan when it comes to future financial success. Here at the Sedoric Group, our team of experts will take into account your unique circumstances and help set you up for success.

Beyond Your Balance Sheet: The Need to Overhaul Mental Health Care in The U.S.

March 14, 2022

In our inaugural episode of “Beyond Your Balance Sheet,” a podcast delving into the parts of life beyond the balance sheet that contributes to overall wellness, our host Laura Knoy sits down in conversation with John Broderick to discuss mental health care and stigma in the United States.

2022 Annual Outlook

February 18, 2022

The Sedoric Group Outlook is sent to all our clients to summarize important financial events and policy changes from the past year. This includes a discussion of the themes we see developing in the years ahead and actionable items to consider.

Tech Trends Are Evolving Rapidly—Here's How They Can Impact Your Financial Life

February 17, 2022

What’s an NFT? Should I invest in Bitcoin? Which of these trends are passing fads, and which are here to stay? There’s a lot of information swirling around, and it’s difficult to make sense of it all. Let’s break off a small piece to start and dive into the metaverse (figuratively, not literally).

The Sedoric Group's Semi-Annual Conference Call – The Road Ahead

February 16, 2022

Please listen to our semi-annual conference call with Tom Sedoric and Casey Snyder as they discuss important themes from 2021 and actionable items for the years ahead.

Distribution Strategies for the Year Ahead

January 11, 2022

Your goals, objectives, and financial situation are never stagnant from year to year. They’re constantly shifting and evolving as you age and life circumstances change. That’s why your distribution strategy should be reviewed in the context of the previous year and the years ahead.

Beyond Your Balance Sheet

December 31, 2021

Among the many lessons in his remarkable 2020 book “The Psychology of Money,” Morgan Housel nails the one about our relationship with money. It is a lesson that should be shared far and wide.“ People want to become wealthier to make them happier. Happiness is a complicated subject because everyone’s different. But if there’s a common denominator in happiness – a universal fuel of joy – it’s that people want control of

What Hath Crypto Wrought?

December 30, 2021

On one spring day in 1844, Samuel Morse sent the first telegraph message to a train depot in Baltimore via the alphabet code he had invented. The same return message to Washington, D.C. – the biblical phrase “What hath God wrought? – was witnessed by Morse and a delegation of dignitaries and Congressmen. At that moment the timely sharing of information was transformed forever. We went from the Pony Express to the internet in only a few decades.

A Holiday Thank You – 2021 Edition

December 20, 2021

This year we’d like to shine the light on you all and share how our clients have stepped up dramatically over the past few years by making investments of their own in the robust nonprofit sector that makes our collective communities special places. We’ve been impressed with the passion many of you have displayed in investing in your communities and The Sedoric Group is grateful for the opportunity to work with you, together with your legal and tax counsel, to become more efficient and strategic.

Planning for Rising Healthcare Costs in Retirement

November 24, 2021

Healthcare. As a topic of discussion, it’s never really at the top of people’s list of interests – until it is. It’s something we all need to deal with throughout the entirety of our lives, but, outside of actually dealing with it, many of us would much prefer to leave it alone until it’s time to visit the doctor for our annual checkup (let’s pretend for a minute that said annual checkup is not a year overdue). It’s daunting. All of us just naturally want to be healthy.

Why Preparing for Retirement Mitigates Risk

November 17, 2021

Beyond mitigating risk, proper retirement planning increases your overall chances of success and provides the financial confidence you have worked for. Success, in the context of retirement, means very different things to different people. Part of the planning process involves identifying your unique wants, needs, and goals for retirement.

How to Prepare for Unforeseen Medical Expenses

November 15, 2021

The looming threat of exorbitant medical expenses is a cloud over most all of us. As we know, the unexpected can—and does—happen, and it’s critically important that we’re prepared when it does so we don’t end up losing everything as a result. There’s very little we can do as individuals to influence change in the healthcare system itself, but we can take steps to mitigate the impact of medical expenses on our personal financial lives.

How Much Should You Save for Retirement? It Depends on Your Savings Goals

October 25, 2021

What do you want to get out of retirement? Perhaps you and your partner are excited to travel the world, or maybe you’re looking forward to a chance to relax and improve your golf game. You may also have plans to downsize or move closer to children and grandchildren.

The Future is Happening Now - Take a Closer Look

October 19, 2021

Change may seem glacial until it isn’t. Change happens in cascades of opportunities across the world. For our future children, those yet to be born, this trajectory in ESG investing and conscious efforts in sustainability could potentially be the transformational roadmap that makes the Industrial Revolution of the 19th Century seem quaint by comparison.

College Savings Calculator: How Much Do You Need to Save?

September 17, 2021

While saving for college may be a daunting task, it’s far from impossible. Armed with the knowledge that there are plenty of alternatives to private and public universities, and educating yourself on financial aid (including grants and scholarships) available to your child, can help make the college savings experience more manageable.

How to Prepare for a Major Life Event and Create Financial Stability

September 15, 2021

Preparing (well ahead of time) for a life event can simplify decision-making and give you confidence in your financial future. Many small, simple actions can add up to significant changes in your life and future financial outlook.

Investor Expectations are Outrageous

September 14, 2021

Investor expectations are outrageous. And, no, we’re not singling anybody out in particular. We’re not upset about it. We’re just trying to reset some sights here. The expected return on investment in today’s market is out of control, and it’s time to take a good hard look at what your own expectation really is, or rather, what it ought to be.

How to Build Your ESG Portfolio

September 13, 2021

So how do you build an ESG portfolio? On the surface, it might seem simple. But it’s important that you have an in-depth conversation with your financial advisor and understand the risks at play when making a transition if you’re not already on the ESG track.

How to Save for Retirement: It's No Different Than Planning Your Summer

August 19, 2021

Like summer vacation, retirement requires thoughtful planning and preparation in order to reap the benefits of your years of hard work.

The Pros and Cons of a 401(k) Retirement Plan

August 16, 2021

Today, let’s talk about one of the most widely known modes of saving: The trusty 401(k).

Betraying Public Trust Has Consequences

July 30, 2021

With so many notable headlines capturing our attention these days, it's easy to let some slip through the cracks without recognizing their significance. The recent budget passed by the New Hampshire legislature contained a $10 million measure to partially reimburse a few hundred clients who lost millions of dollars in the infamous Financial Resources Mortgage Ponzi scheme scandal of more than a decade ago.

Gelato Teaches Young “Tomaso” About Inflation

June 24, 2021

Inflation hasn’t been a major issue in the United States since the dreary Stagflation days in the late 1970s and early 1980s. The formula was: high unemployment, double-digit inflation, and interest rates.

Rent or Buy? Consider Renting Your Fun

June 21, 2021

Renting can be a much more affordable option and may suit your needs better than you initially assume. If you have aspirations of a family vacation home, perhaps this blog post can guide you to the right solution for your needs.

Life Happens

May 27, 2021

Despite our best goals and plans, plans will, and do, change. Sometimes economic forces beyond our control challenge us as a downturn can put our portfolios and plans at varying degrees of risk. Closer-to-home, unexpected family needs can take center stage. At other times, we lose sight of our long-term goals and start spending money that threatens to undermine long-term goals and planning.

Home Renovations Costs for Retirement and Beyond

May 27, 2021

As we all age, it’s important to analyze whether our house is an asset, and—more critically—understand the costs of renovating that house to age up comfortably, safely, and within our means. Factors such as floor plan, accessibility, manageability, and location should all be considered in relation to aging in place at home. These renovations come at a cost that must be planned for accordingly before retirement age is reached.

Casey’s Housing Transition Report Card—Six Months Later

May 27, 2021

In 2012, my wife Rhea and I were fortunate enough to purchase what we then considered our dream home in Eliot, Maine. It was perfect - it fulfilled all of our wants and needs at the time, and also provided room for us to expand in the future should life take that course. And for eight great years it lived up to our every expectation, providing all of this and more. But eventually, as we all know, wants and needs evolve.

Five Reasons You Should Explore Sustainable Investing Opportunities

May 24, 2021

Investors are placing their money in a sustainable investment strategy that aligns with their core beliefs. Compounding dollars solely to bolster bottom-line earnings is no longer good enough. There’s thought put into every dollar changing hands. Today we’ll suggest five reasons you should explore sustainable investing opportunities as a working piece of your investment strategy.

What is ESG Investing and Why You Should Care

May 19, 2021

ESG investing—which is sometimes referred to as sustainable investing—empowers investors to support causes they care about and divest from industries that could potentially be harmful to our world. Investors may choose one or several causes to focus their efforts on depending on their passions and core values.

Stolen: How to Protect Your Financial Security from the Perils of Identity Theft

May 10, 2021

In the last year, many of us have been stuck at home, working remotely, paying bills, brokering deals, and purchasing goods to have them shipped directly to our house rather than risking the trip to the grocery store or any retail environment. So, to keep up with the “outside world,” we’ve gone digital. And with that, our personal information is flying around more than it ever has before.

Remembering the Nifty Fifty

April 29, 2021

Earlier this year, Howard Marks of Oaktree Capital cited the legacy of the “Nifty Fifty” in a memo to clients exploring the ongoing conflict in the financial industry between ‘value’ and ‘growth’ stocks. Marks is a noted value investor and an oft-quoted billionaire in financial circles.

Why Tax Efficiency is Critical: Taxes Are Your Life's Biggest Expense

March 18, 2021

Since 1913, the federal tax code has undergone dramatic changes. Rates have shifted significantly and will continue to evolve throughout the future, but one thing will remain the same—taxes have always been and will always be life’s biggest expense.

How Tax-Efficient Investing Leads to Tax Savings

March 4, 2021

From the perspective of tax-efficient investing, March 2020 was an absolute gift for tuned-in investors and financial fiduciaries across the board. Here's why.

The Good News

January 28, 2021

We will remember the Covid-19 pandemic as a life-altering event which has indelibly shaped our own unique experiences and adaptations. We witnessed at the same time the unimaginable failure by our federal government to deal with the pandemic and the remarkable resilience by tens of millions of Americans trying to map a cautious path to minimize the tragedy and chaos. As a society, we were forced to enter a steep learning curve on how to work, teach, and socialize differently. We mourned and cele

The Key to a Successful Financial Plan

September 15, 2020

There are many reasons why the Federal Reserve has yet to reverse its course on historically low interest rates. The most obvious reason is also the most surprising: inflation, or the lack thereof...

Why Financial Advisors Must have Succession Plans

August 25, 2020

When your plumber who has kept your toilets flushing happily for 25 years says he is retiring, what is your plan? Demographics and professional transitions have been a topic of discussion on our team over the past few years and should be for your family as well...

Is Tax Efficiency Part of Your Retirement Savings Strategy?

August 11, 2020

Tax deferral in one’s 401ks and retirement savings are often a case of “out of sight, out of mind”. Automated savings is understandably easy to do but, as always, there’s often a critical catch: will your nest egg be worth what it should be in real, spendable, after tax dollars when you need it?

Avoid Making Emotional Decisions During Economic Jolts

June 16, 2020

Pick any day or a couple of days when markets swoon and one thing is as sure as Newton’s Law of Gravity: the Pavlovian reaction of greed and fear among investors. When you throw in 24/7 news cycles of social media speculation and news with reports lacking historical context...

Understanding Taxes: How to Plan for Changes in Tax Policy

December 1, 2019

What might you respond to an advisor who emphatically tells you that taxes will, without a doubt, increase in the future? Would you thank them for being a wise fiduciary and for thinking proactively to help you prepare for a future of potential economic and tax volatility?

Confronting Consumer Debt as a Generational Issue

November 1, 2019

When we advise clients that tax rates likely aren’t going to be lower in the foreseeable future, we encourage them to mitigate the risk within their plan and portfolio by working together to create future tax flexibility and efficiency . When they ask us why this will be the case, it is our obligation to educate them about a wide range of issues...

The SECURE Act is a Band-Aid for the Retirement Crisis

August 1, 2019

Without much fanfare in May, the House of Representatives passed one of most significant retirement “saving” pieces of legislation in decades. Known as the SECURE Act (Setting Every Community Up for Retirement Enhancement), the measure is an attempt by Congress to get more Americans to save for retirement. As of this writing it is hung up in the Senate but elements of the bill will impact us all eventually and we are always wary of cute acronyms...

How Tax Loss Harvesting Helps Clients Ride Out Volatility

February 1, 2019

During volatile down periods in the market such as we saw in December, we were busy for many reasons. We worked with our clients to educate them about what was happening (markets go up and down) but also to perform constructive triage via Tax Loss Harvesting - an important element of a wise investment strategy meant to help save investors’ money over time...

Understanding Intergenerational Debt

May 1, 2017

Regular readers know that we are not shy about tackling controversial issues that impact both our clients and the larger society. The very real and potential generational battle about the future is one deserving of thoughtful consideration and discussion. This subtle clash is in the form of an inter-generational conflict between...

Why Responsible Fiduciaries Must Ask Tough Questions

March 1, 2017

The myriad choices we make over a lifetime regarding our finances, education, health, family, social life, and career often have a cumulative and profound impact on our financial security and our ability to enjoy the fruits of our labor. In an era of uncertain, and likely lower, financial...

The Role of Sequence Risk in Smart Investments

May 1, 2016

Of all the tools at the disposal of investors, few people recognize the financial significance of sequencing. Sequencing has the potential to add great value, but when ignored can be a devastating mistake for those seeking financial security and independence. In fact, when it comes to financial decisions, proper sequencing is as important as...

Tax Efficient Investing Across The Generations

January 1, 2016

Taxes are typically our greatest lifetime expense and we make every effort to mitigate their drag on our clients’ retirement portfolios. During our three decades of helping families in their quest for retirement security...

The Sedoric Group Talks with Paul Volcker

January 1, 2016

Recently, I had the pleasure of an extended lunch with one of my all-time heroes, Paul Volcker, former Fed Chairman (1979-1987) and the first Chair of the Economic Recovery Advisory Board (2009-2011). I was curious to learn and discuss his opinion on many economic and political topics, but in particular how the Volcker Rule has played out as part of the larger Dodd-Frank financial reform legislation...

Jim Rothenberg and The Multiplier Effect

September 1, 2015

A picture of Jim Rothenberg has hung proudly in my office for many years. I considered Rothenberg as one of my earliest mentors in a distant way – we met five times in 30 years. His recent death at the age of 69 was not only stunning for family, friends, and admirers...

The Value of Financial Advice and Long-Term Success

June 1, 2015

What is the value of financial advice? It is an interesting and debated question. Ultimately, the value depends on how well the advisor knows his or her client, how well the investor knows and can communicate what they want and need...

Lessons from Gloria Steinem

September 1, 2013

What does it mean to be a feminist today, less than a century after women constitutionally secured the right to vote? And, what does it mean for men?

The Potential Dangers of High-Frequency Trading

March 1, 2012

I believe financial advisors should not only be strong strategists for their clients but be equally passionate educators. There is no subject that gets me going more than market volatility in general and in particular the potential dangers of high frequency trading (HFT). Volatility is a part of...

INET in New Hampshire

April 1, 2011

The ghost of systemic economic collapse in 2008 and 2009 loomed over the recent INET conference at Bretton Woods like the dirt crusted snow on the White Mountains. The Institute for New Economic Thinking’s second official meeting was held...

What is KIPPERS and Why Is it Important?

December 1, 2010

What is KIPPERS and why is it becoming an important term to know? It’s one of the most astute slang terms I’ve heard in years and is an acronym: Kids Invading Parental Pockets Eroding Retirement Savings – namely adult children who are, or should be, financially independent in their working years...

Blog

Your Estate Planning Checklist for 2025

2025 Outlook

2024 Mid-Year Outlook

The Sedoric Group's 2024 Semi-Annual Market Update Webinar

AI: How Artificial Intelligence Will Change the Workplace in Finance

2023 Mid-Year Outlook

The Sedoric Group's Semi-Annual Conference Call

Why We Can’t Wait to Fix Social Security

Love Your Accountant, Part II

2023 Annual Outlook

The Sedoric Group's Semi-Annual Conference Call

A Fiscal Earthquake Without the Adults

The Sedoric Group’s Special Market Update – December 1, 2022

What Makes For a Successful Client?

Amid the chaos, there is an opportunity

Preparing For The Unexpected Works

2022 Annual Outlook Mid-Year Report

Reality Check

Tom Sedoric Named a Best-In-State Wealth Advisor by Forbes Magazine

What Exactly Does "Fiduciary" Mean?

How to Grow Your Wealth—And Keep It

Beyond Your Balance Sheet: The Need to Overhaul Mental Health Care in The U.S.

2022 Annual Outlook

Tech Trends Are Evolving Rapidly—Here's How They Can Impact Your Financial Life

The Sedoric Group's Semi-Annual Conference Call – The Road Ahead

Distribution Strategies for the Year Ahead

Beyond Your Balance Sheet

What Hath Crypto Wrought?

A Holiday Thank You – 2021 Edition

Planning for Rising Healthcare Costs in Retirement

Why Preparing for Retirement Mitigates Risk

How to Prepare for Unforeseen Medical Expenses

How Much Should You Save for Retirement? It Depends on Your Savings Goals

The Future is Happening Now - Take a Closer Look

College Savings Calculator: How Much Do You Need to Save?

How to Prepare for a Major Life Event and Create Financial Stability

Investor Expectations are Outrageous

How to Build Your ESG Portfolio

How to Save for Retirement: It's No Different Than Planning Your Summer

The Pros and Cons of a 401(k) Retirement Plan

Betraying Public Trust Has Consequences

Gelato Teaches Young “Tomaso” About Inflation

Rent or Buy? Consider Renting Your Fun

Life Happens

Home Renovations Costs for Retirement and Beyond

Casey’s Housing Transition Report Card—Six Months Later

Five Reasons You Should Explore Sustainable Investing Opportunities

What is ESG Investing and Why You Should Care

Stolen: How to Protect Your Financial Security from the Perils of Identity Theft

Remembering the Nifty Fifty

Why Tax Efficiency is Critical: Taxes Are Your Life's Biggest Expense

How Tax-Efficient Investing Leads to Tax Savings

The Good News

The Key to a Successful Financial Plan

Why Financial Advisors Must have Succession Plans

Is Tax Efficiency Part of Your Retirement Savings Strategy?

Avoid Making Emotional Decisions During Economic Jolts

Understanding Taxes: How to Plan for Changes in Tax Policy

Confronting Consumer Debt as a Generational Issue

The SECURE Act is a Band-Aid for the Retirement Crisis

How Tax Loss Harvesting Helps Clients Ride Out Volatility

Understanding Intergenerational Debt

Why Responsible Fiduciaries Must Ask Tough Questions

The Role of Sequence Risk in Smart Investments

Tax Efficient Investing Across The Generations

The Sedoric Group Talks with Paul Volcker

Jim Rothenberg and The Multiplier Effect

The Value of Financial Advice and Long-Term Success

Lessons from Gloria Steinem

The Potential Dangers of High-Frequency Trading

INET in New Hampshire

What is KIPPERS and Why Is it Important?

Contact Us

Learning Center

Tax Library