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# CCR Wealth Management

Guiding You Through Your Life’s Unique Transitions to the Life You Want and the Legacy You Imagine.

## Sitemaps

- [XML Sitemap](https://ccrwealth.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [CCR Insights](https://ccrwealth.com/ccr-insights/)
- [How to Keep Building Wealth When Costs Rise](https://ccrwealth.com/how-to-keep-building-wealth-when-costs-rise/) - You don’t have to sacrifice your retirement dreams. With the right preparation and regular reviews, you can navigate rising costs confidently.
- [How to Make Your Retirement Go Further as Costs Rise](https://ccrwealth.com/how-to-make-your-retirement-go-further-as-costs-rise/) - With the right preparation and regular reviews, you can navigate these economic changes confidently.
- [National Insurance Awareness Day](https://ccrwealth.com/national-insurance-awareness-day/) - Today is National Insurance Awareness Day! Ensure you and your family are covered should an unexpected event happen.
- [Talk To Your Family Before Retirement](https://ccrwealth.com/talk-to-your-family-before-retirement/) - As retirement approaches, it's natural to focus on the financial transition ahead, shifting from saving to spending, planning income, and thinking about longevity. But retirement often brings other changes in family roles, expectations, and responsibilities. Too often, conversations about retirement plans, finances, and legacy are postponed until circumstances force them to happen, such as after
- [Assess Your Life Insurance Needs Calculator](https://ccrwealth.com/assess-your-life-insurance-needs-calculator/) - Did you know that many people believe they don't carry enough life insurance? Our simple calculator can provide general guidelines to consider and help you in creating a course of action! Access the calculator using the link here. Follow us on social media for more timely content delivered directly to your news feed! LinkedIn Facebook
- [Financial Tips for LGBTQ+ Investors](https://ccrwealth.com/financial-tips-for-lgbtq-investors/) - LGBTQ+ couples experience unique economic and health disparities. Your CCR financial professional can take these unique challenges into account.
- [What to Look for in an Extended-Care Policy](https://ccrwealth.com/what-to-look-for-in-an-extended-care-policy/) - Extended-care coverage can be complex. Here's a list of questions to ask that may help you better understand the costs and benefits of these policies.
- [CAPTCHA Scams Are on the Rise](https://ccrwealth.com/captcha-scams-are-on-the-rise/) - Here's what you need to know about CAPTCHA scams.
- [What You Need to Know About Trump Accounts](https://ccrwealth.com/what-you-need-to-know-about-trump-accounts/) - In January, the Treasury Department said more than a million people had signed up for Trump accounts. Are you eligible?
- [First Year of Retirement: What to Expect](https://ccrwealth.com/first-year-of-retirement-what-to-expect/) - The first year of retirement isn't about filling your time; it's about finding your rhythm.
- [Good Health is Good Business](https://ccrwealth.com/good-health-is-good-business/) - May is Mental Health Awareness Month, and employer wellness programs are bearing fruit.
- [Exploring Retirement Plans for Small Businesses](https://ccrwealth.com/exploring-retirement-plans-for-small-businesses/) - Choosing a retirement plan for your small business is a crucial decision that impacts both you and your employees.
- [April 2026 Market Outlook](https://ccrwealth.com/april-2026-market-outlook/) - Take a look at the current state of the market with our CIO John Maher.
- [59 1/2: Why Is This Age So Important?](https://ccrwealth.com/59-1-2-why-is-this-age-so-important/) - Learn more about this important age and the doors it opens as you prepare for retirement.
- [Discussing Your Retirement, Legacy, and Financial Plans with Family](https://ccrwealth.com/discussing-your-retirement-legacy-and-financial-plans-with-family/) - Starting these discussions earlier can create clarity and shared understanding long before they’re urgently needed.
- [How to Pass Down Financial Values Alongside Wealth](https://ccrwealth.com/how-to-pass-down-financial-values-alongside-wealth/) - When it comes to legacy planning, assets are usually the easy part. However, financial values don’t pass through documentation. Here are tips for speaking to your family about wealth.
- [Deciding When to Take Social Security](https://ccrwealth.com/deciding-when-to-take-social-security/) - When should you start taking social security benefits? The timing of this decision can significantly impact your retirement income.
- [Raising Financially Confident Kids](https://ccrwealth.com/raising-financially-confident-kids/) - Here are some practical ways to help children develop a healthy relationship with money. Consistent, intentional guidance can make a big difference!
- [April is National Social Security Month](https://ccrwealth.com/april-is-national-social-security-month/) - The Social Security Administration is marking April as National Social Security Month! Are you social security ready?
- [Five Habits to Approach Retirement with Confidence](https://ccrwealth.com/five-habits-to-approach-retirement-with-confidence/) - Retirement marks a new chapter, one that often requires a shift in both strategy and mindset. After decades of saving, moving into the distribution phase can feel overwhelming. The good news? With the right habits, you can approach this stage with confidence and clarity. Here are five practical habits to consider: 1. Schedule Regular Financial
- [Reviewing Your Life Insurance Needs](https://ccrwealth.com/reviewing-your-life-insurance-needs/) - Periodic reviews ensure your life insurance policy adapts to your changing needs.
- [Six Habits That Can Transform Your Finances](https://ccrwealth.com/six-habits-that-can-transform-your-finances/) - Without strong habits, spending can rise with income, hindering your long-term goals. Think of these habits as your “autopilot” system guiding you toward financial stability.
- [Build Strong Financial Habits for Retirement](https://ccrwealth.com/build-strong-financial-habits-for-retirement/) - Retirement isn't the end of planning; it's the start of a new chapter called the distribution phase. This stage focuses on preserving savings, creating a reliable income, and preparing for surprises. With the right habits, you can enjoy financially independent, work-optional years while avoiding risks that may erode your stability. Here are six habits that
- [Do You Owe The AMT?](https://ccrwealth.com/do-you-owe-the-amt/) - If you want to avoid surprises this tax season, understanding your AMT status could save you time and money.
- [How Your 401(k) Impacts Employee Retention](https://ccrwealth.com/how-your-401k-impacts-employee-retention/) - Attracting and retaining skilled employees is one of the most persistent challenges for many businesses, including medical and dental practices. Employees like administrative staff, technicians, nurses, hygienists, and dental assistants are in high demand. For example, according to the latest data from the U.S. Bureau of Labor Statistics (BLS) there were approximately 221,600 dental hygienists and roughly
- [Take on Tax Season with Our Last-Minute Tax Preparation Tips](https://ccrwealth.com/take-on-tax-season-with-our-last-minute-tax-preparation-tips/) - As Tax Day approaches, we understand the pressure many of you might be feeling to get everything in order. Whether you've been caught up in life's demands or simply need a bit of guidance to help you make the most of your tax situation, we're ready to assist. But remember to work closely with your
- [5 Unexpected Costs That Can Disrupt Retirement](https://ccrwealth.com/5-unexpected-costs-that-can-disrupt-retirement/) - Unexpected costs can throw off even the best plans. Here are 5 expenses retirees often overlook and how proactive planning can help you stay on track.
- [6 Smart Wealth-Building Money Habits to Start Early](https://ccrwealth.com/6-smart-wealth-building-money-habits-to-start-early/) - Rising income doesn’t always mean growing wealth... unless you have the right habits in place! Discover 6 habits to build wealth early.
- [What Does "Adjusted for Inflation" Mean?](https://ccrwealth.com/what-does-adjusted-for-inflation-mean/) - Explore how inflation adjustments can affect your retirement planning.
- [Healthcare Costs in Retirement](https://ccrwealth.com/healthcare-costs-in-retirement/) - Take control of your future — start understanding your retirement healthcare needs today!
- [New Retirement Contribution Limits for 2026](https://ccrwealth.com/new-retirement-contribution-limits-for-2026/) - While the 2026 contribution limit changes are subtle, even small updates can impact your financial strategy.
- [2026 IRA Deadlines Are Approaching](https://ccrwealth.com/2026-ira-deadlines-are-approaching/) - Here's what you need to know about the 2026 IRA deadlines, including key updates and distinctions to help you plan ahead.
- [Exploring the Federal Student Grant Program](https://ccrwealth.com/exploring-federal-student-grant-program/) - Explore the various federal grants awarded to students in need each year!
- [What Families Need to Know about the 2026-2027 FAFSA](https://ccrwealth.com/what-families-need-to-know-about-the-2026-2027-fafsa/) - Here's what you need to know about the 2026-2027 FAFSA.
- [January 2026 Market Outlook](https://ccrwealth.com/january-2026-market-outlook/) - Take a look into the current state of the market with CIO and Financial Consultant John Maher.
- [What to Gather for Your Tax Preparer](https://ccrwealth.com/what-to-gather-for-your-tax-preparer/) - Make sure you have the key documents ready to keep the tax return process smooth and efficient.
- [One Big Beautiful Bill Act 2026 Changes](https://ccrwealth.com/one-big-beautiful-bill-act-2026-changes/) - Here are the key changes you need to know about under the new One Big Beautiful Bill Act of 2026.
- [January Is National Financial Wellness Month 2026](https://ccrwealth.com/january-is-national-financial-wellness-month-2026/) - January is a great time to examine your money habits, priorities, and peace of mind.
- [How to Drive Financial Momentum into Next Year](https://ccrwealth.com/how-to-drive-financial-momentum-into-next-year/) - As the year ends, consider these five areas to strengthen your financial foundation.
- [Social Security COLA and Medicare Part B Premiums](https://ccrwealth.com/social-security-cola-and-medicare-part-b-premiums/) - The Social Security Administration announced a 2.8% increase in benefits for 71 million Americans in 2026. However, remember that Medicare Part B premiums can impact your finances.
- [Building Financial Wellness in a High-Cost Environment](https://ccrwealth.com/building-financial-wellness-in-a-high-cost-environment/) - You can’t invest your way to financial security with a shaky foundation! Let CCR help you strengthen your financial base!
- [Navigating New Charitable Giving Rules](https://ccrwealth.com/navigating-new-charitable-giving-rules/) - The One Big Beautiful Bill Act is set to change charitable giving in 2026. Keep in touch with your CCR financial professional to stay informed and make the most of your giving!
- [How to Stay Calm When Markets Get Noisy](https://ccrwealth.com/how-to-stay-calm-when-markets-get-noisy/) - The stock market's smooth ride has hit some bumps, but with a solid portfolio and a clear long-term plan, you can stay grounded amidst the chaos.
- [Year-End Strategies to Protect Your Wealth](https://ccrwealth.com/year-end-strategies-to-protect-your-wealth/) - As the year winds down, it’s the perfect time to review your retirement strategy and optimize your tax exposure!
- [Investment Implications of the Shifting E-Commerce Landscape](https://ccrwealth.com/investment-implications-of-the-shifting-e-commerce-landscape/) - AI is transforming the way consumers discover, compare, and purchase products online, creating both risks and opportunities for investors in the retail sector.
- [Navigating Government Shutdown Risks](https://ccrwealth.com/navigating-government-shutdown-risks/) - The government shutdown creates complex challenges for investors, such as delaying key economic reports like the job market snapshot. This uncertainty comes at a time when clarity is crucial.
- [End-of-Year Tax Planning for Dentists](https://ccrwealth.com/end-of-year-tax-planning-for-dentists/) - If you are a dentist or dental practice owner, consider these end-of-year tax planning strategies.
- [October 2025 Market Outlook](https://ccrwealth.com/october-2025-market-outlook/) - Take a look into the current state of the market with CIO and Financial Consultant John Maher.
- [Maximize Retirement with Year-End Financial Moves](https://ccrwealth.com/maximize-retirement-with-year-end-financial-moves/) - From tax-efficient planning to insurance reviews, we’ll help you align your investments and prepare for 2026 confidently!
- [Beware of AI-Assisted Tax Scams](https://ccrwealth.com/beware-of-ai-assisted-tax-scams/) - Be aware of AI-driven fraud targeting taxpayers! Learn how to stay vigilant and strengthen your defenses against these sophisticated scams.
- [Inflation and Purchasing Power Risks](https://ccrwealth.com/inflation-and-purchasing-power-risks/) - Inflation may be off the front page, but its impact lingers on retirement budgets. 92% of retirees worry about shrinking assets and rising costs.
- [Surprising Stats from the 2025 Retirement Confidence Survey](https://ccrwealth.com/surprising-stats-from-the-2025-retirement-confidence-survey/) - The EBRI Retirement Confidence Survey reveals how Americans truly feel about retirement, and the most recent stats have proven to be surprising.
- [What You Need to Know as a First-Time Homebuyer](https://ccrwealth.com/what-you-need-to-know-as-a-first-time-homebuyer/) - If you’ve recently decided to buy your first home, check out our tips for first-time homebuyers!
- [Q4 Offers Homebuyers a Window of Opportunity](https://ccrwealth.com/q4-offers-homebuyers-a-window-of-opportunity/) - As the Fed eases rates and housing inventory grows, Q4 2025 could be a game-changer for homebuyers!
- [Cybersecurity Awareness: Essential Tips to Stay Safe](https://ccrwealth.com/cybersecurity-awareness-essential-tips-to-stay-safe/) - October is Cybersecurity Awareness Month! Take the time to review your online safety practices so you can stay vigilant against digital threats and protect your financial security!
- [Data Breach: Your Security To-Do List](https://ccrwealth.com/data-breach-your-security-to-do-list/) - Data breaches can happen even if you practice good cybersecurity habits! If you experience a data breach, follow this checklist to protect your information.
- [Empty Nest? Time to Revisit Your Financial Plan](https://ccrwealth.com/empty-nest-time-to-revisit-your-financial-plan/) - An empty nest is a unique opportunity to take charge of your financial future!
- [Employer Match & Roth Options Expand in 2025](https://ccrwealth.com/employer-match-roth-options-expand-in-2025/) - More employers are offering Roth contributions, opening up new planning strategies for those expecting to be in a higher tax bracket in retirement.
- [How Insurance Can Protect Your Wealth and Legacy](https://ccrwealth.com/how-insurance-can-protect-your-wealth-and-legacy/) - Insurance isn’t just a safety net; it’s a strategic tool for safeguarding your income, assets, and legacy goals.
- [Know Your Risk Profile Before 4th Quarter Begins](https://ccrwealth.com/know-your-risk-profile-before-4th-quarter-begins/) - As we enter Q4, it’s crucial to evaluate your investment approach. Historically, this quarter has seen strong stock performance, but it’s also volatile, making it essential to understand your risk profile. Remember, your risk profile guides your investment decisions, not the other way around! Let’s break down your risk tolerance into five simple categories to guide your decisions.
- [A Comprehensive Guide to Managing Unforeseen Retirement Expenses](https://ccrwealth.com/a-comprehensive-guide-to-managing-unforeseen-retirement-expenses/) - Here are 5 common expenses that often catch retirees by surprise.
- [Tax Act 2025—Something for Everyone](https://ccrwealth.com/tax-act-2025-something-for-everyone/) - The One Big Beautiful Bill Act of 2025 has something for everyone! Here’s a quick recap of the key changes that are expected to have the biggest impact.
- [Common Misconceptions About Insurance](https://ccrwealth.com/common-misconceptions-about-insurance/) - Misconceptions about insurance can lead to costly mistakes. Let’s set the record straight about a few common myths.
- [Checklist — Navigating Financial Risks](https://ccrwealth.com/checklist-navigating-financial-risks/) - Manage financial risk with our risk mitigation checklist! To learn more, discuss with your CCR financial professional. Follow us on social media for more timely content delivered directly to your news feed! LinkedIn Facebook Twitter Instagram
- [Unpacking How the Tax Landscape is Changing](https://ccrwealth.com/unpacking-how-the-tax-landscape-is-changing/) - The One Big Beautiful Bill Act (OBBBA) makes Trump-era tax cuts permanent, but tariff-driven inflation poses challenges for households. With a potential $5 trillion revenue loss, future tax increases may loom.
- [Inflation, Interest Rates and Debt Management](https://ccrwealth.com/inflation-interest-rates-and-debt-management/) - With inflation stabilizing at 2.4% and interest rates shifting, staying proactive is key.
- [6 Ways to Stay Ahead of Rising Retirement Costs](https://ccrwealth.com/6-ways-to-stay-ahead-of-rising-retirement-costs/) - Discover key risks and six effective strategies to stay ahead of rising prices and the cost of living.
- [Ensure Your Retirement Plan Covers Unexpected Costs](https://ccrwealth.com/ensure-your-retirement-plan-covers-unexpected-costs/) - A solid financial strategy anticipates unforeseen expenses like hidden housing costs, healthcare gaps, long-term care, family crises, and inflation.
- [Insurance Planning and Risk Management](https://ccrwealth.com/insurance-planning-and-risk-management/) - Insurance and risk management are essential tools that enhance estate planning and ensure the long-term stability of generational wealth.
- [Financial Planning for Dentists](https://ccrwealth.com/financial-planning-for-dentists/) - Financial planning looks different for dental practice owners. Find out how CCR can help you navigate these complexities!
- [July 2025 Market Outlook](https://ccrwealth.com/july-2025-market-outlook/) - Despite a noisy start to the year, markets have shown resilience. While concerns like high valuations and economic uncertainty remain, we’re seeing encouraging signs: broader market strength, easing inflation, and global opportunities outside the S&P 500.
- [Who Needs Disability Income Insurance?](https://ccrwealth.com/who-needs-disability-income-insurance/) - No matter your profession, if you rely on your income, consider additional protection against unexpected accidents or illnesses. Don’t leave your financial future to chance—let’s discuss safeguarding your income!
- [Planning for a Longer Retirement is a Must](https://ccrwealth.com/planning-for-a-longer-retirement-is-a-must/) - A major concern for retirees is longevity risk. Our financial professionals can help you explore options like guaranteed minimum withdrawal benefits, immediate annuities, and QLACs.
- [How Insurance Supports Your Financial Goals](https://ccrwealth.com/how-insurance-supports-your-financial-goals/) - Insurance may not be as flashy as investment planning, but it’s a crucial tool for protecting your income, assets, and legacy.
- [Prepare for Unexpected Expenses in Retirement](https://ccrwealth.com/prepare-for-unexpected-expenses-in-retirement/) - Many retirees underestimate unpredictable costs like hidden housing, uncovered healthcare, long-term care, family crises, and inflation.
- [Rebalancing Your Portfolio](https://ccrwealth.com/rebalancing-your-portfolio/) - If an investment is successful, most people naturally want to stick with it. But is that the best approach?
- [An Investment Decision Not Made Is Still a Decision](https://ccrwealth.com/a-decision-not-made-is-still-a-decision/) - Investment inaction can manifest in various forms, often silently and invisibly, and may have significant implications for an individual’s future financial security.
- [Buying a Vacation Home](https://ccrwealth.com/buying-a-vacation-home/) - Thinking of buying a vacation home? Here are 5 questions to consider first.
- [Summertime Checkup](https://ccrwealth.com/summertime-checkup/) - Summer’s here! Here are some questions to ask yourself mid-year.
- [Exploring the Federal Student Grant Program](https://ccrwealth.com/exploring-the-federal-student-grant-program/) - Don't overlook the various federal grants awarded to students in need each year! Here's what you need to know.
- [Student Loans: What Can You Do with These Things?](https://ccrwealth.com/student-loans-what-can-you-do-with-these-things/) - The first step in deciding how to approach your student loans is to understand what you have. Take a look at some common differentiators in this article.
- [The Keys to Diversification for Risk Management](https://ccrwealth.com/the-keys-to-diversification-for-risk-management/) - Diversification remains key to managing risk—spreading investments across stocks, bonds, real estate, and cash could optimize returns while minimizing exposure.
- [Estate Management Checklist](https://ccrwealth.com/estate-management-checklist/) - An effective estate plan empowers you to control your future and safeguard your family's financial well-being, even after you're gone. Check out our Estate Planning Checklist!
- [Social Security Myths vs. Reality](https://ccrwealth.com/social-security-myths-vs-reality/) - When it comes to Social Security, many people have more questions than answers. By separating facts from fiction, you can make more informed decisions about your retirement planning.
- [Personalize Your Wealth Strategy with Diverse Investments](https://ccrwealth.com/personalize-your-wealth-strategy-with-diverse-investments/) - Building wealth is not a one-size-fits-all journey! With CCR, embrace a personalized approach that reflects your vision of success.
- [Money-Saving Tips to Build Wealth](https://ccrwealth.com/money-saving-tips-to-build-wealth/) - Despite economic headwinds, wealth building is within your reach if you follow these tips! With CCR, you can stay intentional, plan wisely, and leverage smart strategies for success.
- [Retirement Savings Goals: How to Help Make Up for Lost Time](https://ccrwealth.com/retirement-savings-goals-how-to-help-make-up-for-lost-time/) - Realizing your retirement savings fall short can be daunting, but remember: life’s journey is rarely a straight line and it’s never too late to pivot!
- [Understanding Social Security: 5 Common Myths Explained](https://ccrwealth.com/understanding-social-security-5-common-myths-explained/) - Confused about social security? You're not alone. Let’s debunk common myths to empower your retirement planning!
- [Debunking Money Myths: The One-Size-Fits-All Investment Approach](https://ccrwealth.com/debunking-money-myths-the-one-size-fits-all-investment-approach/) - Building wealth doesn't need a rigid, one-size-fits-all investment strategy. In reality, investing should reflect YOUR personal goals, values, risk tolerance, and unique situation.
- [April 2025 Market Outlook](https://ccrwealth.com/april-2025-market-outlook/) - After two strong years, markets are correcting but remain overvalued. Our goal is helping clients meet their financial plans—not chase market highs.
- [Debunking Money Myths: Saving is Impossible in This Economy](https://ccrwealth.com/debunking-money-myths-saving-is-impossible-in-this-economy/) - Many feel it's impossible to build wealth given rising housing costs and inflation squeezing budgets. While these economic challenges are real, building wealth is still achievable!
- [March 12 Market Update](https://ccrwealth.com/march-12-market-update/) - CCR views the current bout of market volatility as a normal process of pressure-relief for a market that has been burdened by excessive valuations.
- [5 Retirement Strategies for Small-Business Owners](https://ccrwealth.com/5-retirement-strategies-for-small-business-owners/) - Learn common mistakes small business owners make, and the steps to take when building toward the retirement you desire.
- [Money Myth: Investing is Only for Men](https://ccrwealth.com/money-myth-investing-is-only-for-men/) - Women have historically invested less than men, but as women educate themselves, they have the power to redefine this narrative.
- [A Comprehensive Guide to Tax Intelligent Planning 2025](https://ccrwealth.com/a-comprehensive-guide-to-tax-intelligent-planning-2025/) - Dive into our comprehensive tax planning guide to learn how to minimize taxes and maximize your income during retirement!
- [Reduce Your Tax Burden with 5 Strategies](https://ccrwealth.com/reduce-your-tax-burden-with-5-strategies/) - As your assets grow, consider ways to maximize returns and minimize taxes with these 5 tax-efficient investment strategies!
- [Tax Efficient Withdrawal Strategies for Retirement](https://ccrwealth.com/tax-efficient-withdrawal-strategies-for-retirement/) - Managing income during retirement is often less straightforward than it was during working years. Instead of accumulating wealth, you're now spending that hard-earned nest egg. By implementing effective tax strategies, you can potentially reduce your tax burden and maximize your retirement income. The Power of Tax Diversification Tax diversification involves spreading your savings across
- [11 Ways A 401k May Reduce Your Tax Liabilities](https://ccrwealth.com/11-ways-a-401k-may-reduce-your-tax-liabilities/) - Your company's 401(k) plan is one often overlooked but powerful tool to manage your tax liabilities effectively.
- [Tips for Practicing Good Portfolio Hygiene](https://ccrwealth.com/tips-for-practicing-good-portfolio-hygiene/) - Do you have good portfolio hygiene? Here's how setting clear financial goals, developing a long-term plan, and conducting regular “check-ups” can help mitigate risks posed by market and economic shifts.
- [Explore These Tax-Savvy Investment Strategies](https://ccrwealth.com/explore-these-tax-savvy-investment-strategies/) - As you grow and manage your wealth, consider these five tax-efficient investment strategies that could help optimize returns and minimize your tax burden!
- [2025 Retirement Contribution Limits and Updates](https://ccrwealth.com/2025-retirement-contribution-limits-and-updates/) - Significant changes to contribution limits and income restrictions offer new opportunities for savers, especially for those utilizing 401(k)s, IRAs, and catch-up contributions. Here's a comprehensive guide to these updates!
- [Managing Money as a Couple](https://ccrwealth.com/managing-money-as-a-couple/) - Managing money as a couple usually isn't so difficult, but waiting too long to ask (or answer) those questions might have some consequences.
- [Social Security & The Tax Factor](https://ccrwealth.com/social-security-the-tax-factor/) - Did you know that once you start receiving Social Security, up to 85% of your benefits may be taxable?
- [Insurance Costs Spike Amid Surge In Natural Disasters](https://ccrwealth.com/insurance-costs-spike-amid-surge-in-natural-disasters/) - A new Treasury report reveals that home insurance premiums in high-risk areas are averaging $2,321—that's 82% higher than in lower-risk regions.
- [Estimating the Cost of College](https://ccrwealth.com/estimating-the-cost-of-college/) - It doesn’t take a degree in finance to see that the cost of college continues to rise. If your child is approaching college age, a good first step is estimating the potential costs.
- [Putting Your Company's Surplus Funds to Work](https://ccrwealth.com/putting-your-companys-surplus-funds-to-work/) - If your company is in the enviable position of having more funds on hand than are needed for current operations, you can make the most of these surplus funds by investing them. When examining possible investment options, there are several main points to consider: safety; after-tax yield; and liquidity. In addition, you should also examine
- [Social Security Says 2.5% COLA in 2025](https://ccrwealth.com/social-security-says-2-5-cola-in-2025/) - Social Security beneficiaries will receive a 2.5% increase in 2025, per the Social Security Administration. The COLA adjustment will impact over 72.5 million beneficiaries. Beneficiaries will receive a new one-page COLA summary detailing the new benefits and the exact date the 2025 adjustment will start.
- [January 2025 Market Outlook](https://ccrwealth.com/january-2025-market-outlook/) - In 2025, potential policy shifts, including tariffs and deregulation, may impact the market. Although tariffs face criticism, they haven’t hindered S&P 500 growth historically. Previous deregulation efforts in energy led to poor performance. With a narrow majority in the House, policy changes may be challenging, prompting investors to stay cautious amid uncertainty.
- [5 Tax Strategies to Maximize Returns and Minimize Burdens](https://ccrwealth.com/5-tax-strategies-to-maximize-returns-and-minimize-burdens/) - Learn how to boost returns and minimize taxes with five simple strategies.
- [Making Cash Flow Count with Tax-Smart Strategies](https://ccrwealth.com/making-cash-flow-count-with-tax-smart-strategies/) - When it comes to managing your finances, even small decisions can make a big difference. By understanding your cash flow and approaching it with a strategic, tax-intelligent mindset, you can make your money work harder for you and move closer to your long-term goals.
- [Preserving Your Family Business with Long Term Care Planning](https://ccrwealth.com/preserving-your-family-business-with-long-term-care-planning/) - As a business owner, planning for long-term care (LTC) is crucial for protecting your legacy. Consider working with a CCR insurance professional to protect for your family’s business for years to come.
- [From Saving to Spending Build a Tax-Smart Withdrawal Strate](https://ccrwealth.com/from-saving-to-spending-build-a-tax-smart-withdrawal-strate/) - A smart, tax-efficient withdrawal strategy can help you make the most of your savings, ensuring a fulfilling and confident retirement. Start planning today!
- [2025 Federal Income Tax Charts](https://ccrwealth.com/2025-federal-income-tax-charts/) - Don't let tax season catch you off guard! Plan ahead with this chart that summarizes key tax info based on income levels.
- [Year-End Charitable Giving Strategies to Consider](https://ccrwealth.com/year-end-charitable-giving-strategies-to-consider/) - As December 31 approaches, charitable giving becomes top of mind for many individuals. Whether driven by a desire to maximize tax incentives, honor a loved one, or thoughtfully allocate year-end bonuses, this season is a strategic time for philanthropy. For high-net-worth (HNW) and ultra-high-net-worth (UHNW) individuals, giving often requires careful planning and involves more advanced
- [2025 Retirement Contribution Limits](https://ccrwealth.com/2025-retirement-contribution-limits/) - The 2025 contribution limits for retirement plans are now live! Check out the chart for key differences from 2024.
- [Explore the Potential of Charitable Trusts](https://ccrwealth.com/explore-the-potential-of-charitable-trusts/) - Are you looking to make a lasting impact while also reaping potential tax benefits? Charitable trusts could be your answer!
- [5 Reasons to Rethink Financial Wellness](https://ccrwealth.com/5-reasons-to-rethink-financial-wellness/) - Starting a financial wellness program can help increase employee productivity and lessen presenteeism.
- [Turn Your RMDs into Charitable Donations](https://ccrwealth.com/turn-your-rmds-into-charitable-donations/) - High Net Worth & Ultra High Net Worth individuals can leverage advanced strategies to maximize charitable impact while optimizing tax benefits!
- [Social Security Benefits Are Projected To Rise 2.5% In 2025](https://ccrwealth.com/social-security-benefits-are-projected-to-rise-2-5-in-2025/) - Social Security and SSI benefits for more than 72.5 million Americans will increase 2.5% in January 2025.
- [How Sustainable Investing Combines Profit with Purpose](https://ccrwealth.com/how-sustainable-investing-combines-profit-with-purpose/) - As you near retirement, you may start considering the legacy you'll leave behind. Consider sustainable investing, which offers a way to leave a positive impact while accumulating wealth.
- [Voice of Business - Worcester Regional Chamber of Commerce Interview](https://ccrwealth.com/voice-of-business-worcester-regional-chamber-of-commerce-interview/) - Vincenzo Palmerino gave a spectacular interview on the Worcester Regional Chamber of Commerce's radio show, the Voice of Business!
- [Business Succession Planning](https://ccrwealth.com/business-succession-planning/) - Business owners often prioritize daily operations and growth, neglecting the critical issue of succession planning. This whitepaper explores the importance of business succession planning, outlines essential steps to create a comprehensive plan, and emphasizes the need for proactive measures to ensure business continuity.
- [5 Financial Steps Before Starting Your Home Search](https://ccrwealth.com/5-financial-steps-before-starting-your-home-search/) - Doing some financial housekeeping before purchasing a home can pay dividends in the long run, especially if you’re attempting to buy in a competitive market.
- [IRS 2025 Tax Brackets](https://ccrwealth.com/irs-2025-tax-brackets/) - The Internal Revenue Service released the updated income tax brackets, standard deduction, and retirement contribution limits for the 2025 tax year. While these changes won't impact you for some time, it may benefit you to start thinking ahead. The top rate remains 37%, but remember that 2017's Tax Cuts and Jobs Act expires at the
- [Understanding Qualified Charitable Distributions (QCDs)](https://ccrwealth.com/understanding-qualified-charitable-distributions-qcds/) - As you build your legacy, considering how to leverage your charitable contributions can be a fulfilling endeavor. Qualified Charitable Distributions (QCDs) can offer an opportunity to support your favorite causes and manage your retirement income. Here are some factors to consider with QCDs and how they've changed based on recent legislation, such as the SECURE
- [Considerations During Medicare’s Open Enrollment](https://ccrwealth.com/considerations-during-medicares-open-enrollment/) - How long has it been since you’ve reviewed your Medicare policy? With open enrollment fast approaching, there are a few questions you may want to ask yourself before you renew, add, drop, or switch coverage.
- [Medicare Open Enrollment Begins With Key Changes Ahead](https://ccrwealth.com/medicare-open-enrollment-begins-with-key-changes-ahead/) - Medicare open enrollment has begun, and reviewing your coverage is crucial because this year brings significant changes.
- [Tax Implications for Charitable Trust](https://ccrwealth.com/tax-implications-for-charitable-trust/) - Balancing philanthropic goals with financial planning can be a complex yet rewarding endeavor. One strategy that has gained popularity among those looking to make a lasting impact, while potentially reaping tax benefits, is the charitable trust. This article will explore the concept of charitable trusts, their potential advantages and disadvantages, and factors to consider when
- [A Quick Guide to Socially Responsible Investing](https://ccrwealth.com/a-quick-guide-to-socially-responsible-investing/) - Imagine not only growing your wealth but also contributing to a healthier planet, promoting social justice, and encouraging ethical business practices. It might not be a concept you've explored, but it's entirely possible-and it's becoming more and more common. This approach is referred to as socially responsible investing (SRI). It's an increasingly popular investment philosophy
- [Make Your Mark Through Sustainable Investing](https://ccrwealth.com/make-your-mark-through-sustainable-investing/) - As retirement approaches, consider leaving a legacy by investing in companies that drive positive change for society and the planet.
- [October 2024 Market Outlook](https://ccrwealth.com/october-2024-market-outlook/) - Take a look into the current state of the market as of October 2024!
- [Giving Back in Retirement](https://ccrwealth.com/giving-back-in-retirement/) - Retirement doesn't mean the end of giving back! Explore alternative ways to stay active and engaged in your community without breaking the bank.
- [Strategies for Balancing Family and Financial Security](https://ccrwealth.com/strategies-for-balancing-family-and-financial-security/) - Striking the right work-life balance is crucial for avoiding burnout, reducing stress, and nurturing relationships. Here are 10 strategies that balance family and financial security!
- [4 Steps to Protecting a Child with Disabilities](https://ccrwealth.com/4-steps-to-protecting-a-child-with-disabilities/) - Raising a child is expensive and can cost over a quarter of a million dollars, excluding college. For a child with special needs, that cost can more than triple. If you're the parent of a child with special needs, it's vital to ensure your child will continue to be provided for after you're gone. It
- [Protect the MVP from Disability](https://ccrwealth.com/protect-the-mvp-from-disability/) - As a business owner, you are crucial to your business's success. Protect your income and business with disability income insurance.
- [Tips for Getting the Most Benefit from a 529 Plan](https://ccrwealth.com/getting-the-most-benefit-from-a-529-plan/) - Looking to save on future college costs? Consider a 529 plan!
- [401(k) vs. IRA: What You Should Know](https://ccrwealth.com/401k-ira-what-you-should-know/) - Most people have at least heard of two prevalent types of retirement plans: the 401(k) and the IRA. Deciding which is appropriate for you, however, is another story. Having a basic understanding of these two types of retirement accounts, along with their potential advantages and drawbacks, can equip you to make more informed decisions about
- [Roadmap to Retirement Tax & Investment Strategies](https://ccrwealth.com/roadmap-to-retirement-tax-investment-strategies/) - Discover 6 strategies for retirement savings: Roth IRA, Roth conversions, Catch-up Contributions, Saver's Credit, Avoiding Early Withdrawal Penalties, and Required Minimum Distributions.
- [Addressing Care Options Now for Your Aging Parents](https://ccrwealth.com/addressing-care-options-now-for-your-aging-parents/) - Happy National Grandparent’s Day! Let's take the time to honor our incredible grandparents today and consider how we can support them in the future.
- [September Is National Life Insurance Awareness Month](https://ccrwealth.com/september-is-national-life-insurance-awareness-month/) - September is National Life Insurance Awareness Month - learn more about your options and find the right coverage for you.
- [How To Know When It’s Time To Sell Your Home](https://ccrwealth.com/how-to-know-when-its-time-to-sell-your-home/) - Feeling overwhelmed about selling your home? Let CCR guide you through the process.
- [Are You Ready to Sell Your Home?](https://ccrwealth.com/are-you-ready-to-sell-your-home/) - Discover the main factors you should consider when deciding if it makes sense to sell your home.
- [August is Perfect for Back-to-School Planning](https://ccrwealth.com/august-is-perfect-for-back-to-school-planning/) - It's back-to-school time, which means college planning is on the horizon. The earlier you start saving, the easier it will be to send your kids to college.
- [Empowering Financial Independence for Women](https://ccrwealth.com/empowering-financial-independence-for-women/) - Women face unique financial challenges and need to proactively plan. Work with a financial advisor who understands YOUR unique needs.
- [Military Veterans and Customized Financial Planning](https://ccrwealth.com/military-veterans-and-customized-financial-planning/) - CCR financial professionals can make sure our veterans get the support they need!
- [6 Smart Strategies to Boost Your Retirement Savings](https://ccrwealth.com/6-smart-strategies-to-boost-your-retirement-savings/) - Check out these six powerful tax and investment strategies that can help you save and pursue your goals for retirement.
- [Let’s See That “Retirement Smile!”](https://ccrwealth.com/lets-see-that-retirement-smile/) - Did you know retirement has three stages, not just one? It's about managing your health, independence, and wallet.
- [Planning, Saving, and Spending Over a Lifetime](https://ccrwealth.com/planning-saving-and-spending-over-a-lifetime/) - Check out these seven major events where savings can make a huge difference in helping you enjoy life's special moments.
- [July 2024 Market Outlook](https://ccrwealth.com/july-2024-market-outlook/) - A look into the current state of the market as of July 2024.
- [Annual Reviews](https://ccrwealth.com/annual-reviews/) - It's crucial to schedule a yearly financial checkup with your advisor to ensure you're on the right path towards reaching your financial goals.
- [Protect Against a Scorching Market](https://ccrwealth.com/protect-against-a-scorching-market/) - The stock market is experiencing its own form of a heat wave. Here's how to protect your wealth from the financial heat.
- [The Power of Compound Interest: A Key to Building Wealth](https://ccrwealth.com/the-power-of-compound-interest-a-key-to-building-wealth/) - Understanding compound interest is crucial for financial success. Don't miss out on this key concept for building wealth!
- [Choosing the Best Debt Repayment Strategy](https://ccrwealth.com/choosing-debt-repayment-strategy/) - Tackling debt can be overwhelming, but there are two proven methods for success: avalanche and snowball. Ready to take control of your finances?
- [Managing Debt: Don't Go It A-Loan](https://ccrwealth.com/managing-debt-dont-go-it-a-loan/) - Are you juggling multiple loan payments each month? With the right plan, you can go from just getting by to getting ahead.
- [Leaving a Legacy Saving for Your Family's Financial Future](https://ccrwealth.com/leaving-a-legacy-saving-for-your-familys-financial-future/) - Estate planning is not just for the elderly - it's a crucial tool for anyone looking to secure their family's financial future.
- [401(K) Vs. IRA: What You Should Know](https://ccrwealth.com/401k-vs-ira-what-you-should-know/) - Are you prepared for retirement? Knowing the differences between 401(k) and IRA plans is crucial in making informed decisions about your future.
- [Life Insurance: How Much Is Enough?](https://ccrwealth.com/how-much-life-insurance/) - When determining the appropriate amount of life insurance coverage for your family, you may want to conduct a “needs analysis".
- [New Opportunities for LGBTQ+ Business Owners](https://ccrwealth.com/new-opportunities-for-lgbtq-business-owners/) - Do you own a business and identify as LGBTQ+? If the answer to both is yes, then you might want to consider getting certified by the National Gay and Lesbian Chamber of Commerce.
- [Don't Delay an Important Discussion](https://ccrwealth.com/dont-delay-an-important-discussion/) - If you're reluctant to speak to your adult children with information regarding your retirement plan, here are some suggestions to get you started.
- [Real Financial Issues in the LGBTQ+ Community](https://ccrwealth.com/real-financial-issues-in-the-lgbtq-community/) - Despite progress towards LGBTQ+ rights and recognition, there are still several financial factors that impact the community.
- [What to Expect When Working with Your Estate Planning Team](https://ccrwealth.com/what-to-expect-when-working-with-your-estate-planning-team/) - When creating an estate plan, you may be asked to provide information on family and other beneficiaries, health, assets and liabilities, existing plans, and goals.
- [LGBTQ+ Community Has Unique Aging Issues](https://ccrwealth.com/lgbtq-community-has-unique-aging-issues/) - LGBTQ+ baby boomers experience unique economic and health disparities. Learn how to make long-term care planning, healthcare planning, and needs unique to the LGBTQ+ community part of your financial planning analysis.
- [Estate Planning for the LGBTQ+ Community](https://ccrwealth.com/estate-planning-for-the-lgbtq-community/) - Financial planning considerations for the LGBTQ+ population are frequently overlooked. Let’s explore some of the issues and what can be done.
- [Staying on Top of Your 401(k) Can Pay Dividends](https://ccrwealth.com/staying-on-top-of-your-401k-can-pay-dividends/) - While it's tempting to follow every market fluctuation, the key to securing a prosperous retirement lies in long-term planning.
- [Setting Your Family’s Financial Values](https://ccrwealth.com/setting-your-familys-financial-values/) - Caught between raising kids and caring for aging parents? With the right guidance, you can ease financial burdens and set a strong vision for your children.
- [Tips for Leaving an Inheritance to Family](https://ccrwealth.com/tips-for-leaving-an-inheritance-to-family/) - Leaving an inheritance to your family is a thoughtful gesture, but it's important to consider potential disruptions.
- [The Power of a Trust](https://ccrwealth.com/the-power-of-a-trust/) - Are you worried about protecting your assets and ensuring they are distributed according to your wishes after you're gone? Trusts can help with that.
- [Are Financial Advisors Still Relevant in a Digital World?](https://ccrwealth.com/are-financial-advisors-still-relevant-in-a-digital-world/) - Take action today, no matter how small, to secure a better tomorrow. Your future self will thank you!
- [Creating a Comprehensive Estate Plan](https://ccrwealth.com/creating-a-comprehensive-estate-plan/) - Stop putting off your estate plan! It may seem overwhelming, but we're here to guide you every step of the way.
- [April 2024 Market Outlook](https://ccrwealth.com/april-2024-market-outlook/) - Take a look into the current state of the market as of April 2024!
- [Are You In The “Sandwich Generation?"](https://ccrwealth.com/are-you-in-the-sandwich-generation/) - Are you feeling the squeeze of being part of the "sandwich generation" — caught between raising your kids and caring for your aging parents? You're not alone.
- [Tax Strategies For Retirement Account Withdrawals](https://ccrwealth.com/tax-strategies-for-retirement-account-withdrawals/) - With careful planning and tax-efficient drawdown strategies, you can enjoy the lifestyle you've always dreamed of while minimizing taxes on your income.
- [CCR Earth Day 2024](https://ccrwealth.com/ccr-earth-day-2024/) - Join us in supporting the Regional Environmental Council in creating a healthier and more sustainable community for all!
- [Estate Planning Checklist](https://ccrwealth.com/estate-planning-checklist/) - Creating an estate plan can be easier than you might expect when you use our basic Estate Planning Checklist.
- [CCR Listed #15 on Forbes 2024 Best-In-State Wealth Advisors](https://ccrwealth.com/ccr-listed-15-on-forbes-2024-best-in-state-wealth-advisors/) - CCR is honored that David Borden, Managing Partner and Financial Consultant, is listed #15 in the state of MA on the Forbes list of Best-in-State Wealth Advisors!
- [Estate Planning as a Family](https://ccrwealth.com/estate-planning-as-a-family/) - Consider estate planning as a family. Take control of the conversation by discussing your wishes with children and other family members.
- [CCR Listed on 2024 NAPA Top DC Advisor Teams](https://ccrwealth.com/ccr-listed-on-2024-napa-top-dc-advisor-teams/) - CCR is honored to be listed on the NAPA Top DC Advisor Teams for the 8th year in a row!
- [Estate Planning for Small Business Owners](https://ccrwealth.com/estate-planning-for-small-business-owners/) - If you're a business owner, there are three estate planning conversations you need to have with your CCR financial professional.
- [April is Financial Literacy Month](https://ccrwealth.com/april-is-financial-literacy-month/) - April is Financial Literacy month! Teaching kids about savings, budgeting, and investing sets them up for a successful future.
- [Women & Financial Security](https://ccrwealth.com/women-financial-security/) - Women face special factors that can affect their retirement savings. From longer life expectancy to wage gaps, it's important to plan ahead.
- [Tips For Improving Financial Health Into Retirement](https://ccrwealth.com/tips-for-improving-financial-health-into-retirement/) - As you approach retirement, financial health becomes paramount. Here are ten steps to to help make the most of your retirement years.
- [Women Approach Investing Differently](https://ccrwealth.com/women-approach-investing-differently/) - Men and women approach investing differently. In general, women's investments outperform men's. Why is that?
- [Celebrating The Women of CCR 2024](https://ccrwealth.com/celebrating-the-women-of-ccr-2024/) - CCR is observing Women’s History Month by shining the spotlight on the talented women of our wealth management team!
- [National Women's Equality Day](https://ccrwealth.com/national-womens-equality-day/) - CCR takes great pride in celebrating National Women's Equality Day in honor of the remarkable women within our firm!
- [The “Average” Benefit of Dollar Cost Averaging](https://ccrwealth.com/the-average-benefit-of-dollar-cost-averaging/) - Over time, dollar-cost averaging may lower your average cost per share versus one-time big-time investing.
- [2024 Tax Planning Whitepaper](https://ccrwealth.com/2024-tax-planning-whitepaper/) - Curious where your tax dollars go or how tax filing might differ this year? Dive into our new tax planning whitepaper!
- [2024 Annual Tax Guide](https://ccrwealth.com/2024-annual-tax-guide/) - New tax year, new rules! Dive into our guide on what's changing this tax season and how to prepare.
- [October 2015 Market Outlook](https://ccrwealth.com/october-2015-outlook/) - We had occasion to attend a luncheon and meet former Federal Reserve Chairman Ben Bernanke who was the featured speaker.
- [2023 IRA Deadlines: What You Need to Know](https://ccrwealth.com/2023-ira-deadlines-what-you-need-to-know/) - Don't miss out on securing your future! The 2023 #IRA deadline is near. Maximize your savings NOW for a better retirement.
- [Financial Wellness on Your Path to Retirement](https://ccrwealth.com/financial-wellness-on-your-path-to-retirement/) - Secure your golden years! Pursue financial wellness in retirement with these key strategies.
- [How To Support Black-Owned Businesses](https://ccrwealth.com/how-to-support-black-owned-businesses/) - By supporting Black-owned businesses you can show your support for the Black community while improving your local economy at the same time!
- [January 2024 Market Outlook](https://ccrwealth.com/january-2024-market-outlook/) - A look into the current state of the market as of January 2024.
- [New Year's Financial Checklist 2024](https://ccrwealth.com/new-years-financial-checklist-2024/) - Start the new year off on a good note with our simple financial checklist!
- [Get Your Financial Plan on Track for 2024](https://ccrwealth.com/get-your-financial-plan-on-track-for-2024/) - The start of the year is an excellent time to review your budget and make necessary adjustments for a prosperous financial year ahead!
- [2024 Resolutions to Help Build Financial Independence](https://ccrwealth.com/2024-resolutions-to-help-build-financial-independence/) - Whatever you're dreaming of for 2024 and beyond, here are some financial resolutions to consider to help you get there.
- [Money-Saving Tips For Managing Your Subscriptions](https://ccrwealth.com/money-saving-tips-for-managing-your-subscriptions/) - A solid strategy to maximize your retirement savings is to eliminate unnecessary expenses.
- [2024 Updated Income Tax Brackets & More](https://ccrwealth.com/2024-updated-income-tax-brackets-more/) - The IRS released updated income tax brackets, standard deduction, and retirement contribution limits for the 2024 tax year.
- [CCR at AFCA 2024](https://ccrwealth.com/ccr-at-afca-2024/) - CCR will be at the 2024 AFCA Conference! Join us at Booth 340.
- [CCR Gives to DCF 2023](https://ccrwealth.com/ccr-gives-to-dcf-2023/) - We are so proud to have been able to gift 10 boys and girls in DCF care a complete outfit and a toy this holiday season!
- [The Pros and Cons of Charitable Giving Strategies](https://ccrwealth.com/the-pros-and-cons-of-charitable-giving-strategies/) - Learn how to use the most effective charitable giving strategies this holiday season with our comprehensive guide.
- [Your Year-End Financial Checklist 2023](https://ccrwealth.com/your-year-end-financial-checklist-2023/) - As 2023 comes to a close, it's time to take a look at our finances and see what moves will set us on the right path for 2024.
- [End-of-the-Year Money Moves 2023](https://ccrwealth.com/end-of-the-year-money-moves-2023/) - As the year comes to a close, don't forget to review your financial goals and tick all the boxes for your future!
- [CCR & Empire Asset Management Merger](https://ccrwealth.com/ccr-empire-asset-management-merger/) - CCR welcomes Empire Asset Management into our team of professionals, striving to enhance our client services!
- [2022 Tax Planning Whitepaper](https://ccrwealth.com/2022-tax-planning/) - Download our latest resource, designed to help you stay prepared for the upcoming 2022 tax season.
- [CCR & Aita Financial Merger](https://ccrwealth.com/ccr-aita-financial-merger/) - CCR is thrilled to give our clients the opportunity to benefit from Aita Financial's team of professionals.
- [Year-End Tax Planning Tips](https://ccrwealth.com/2022-tax-planning-tips/) - If you think tax-saving strategies are too complicated, you could be missing out on tax savings!
- [2021 China Regulations Commentary](https://ccrwealth.com/china-regulations/) - Investment Analyst and CFA Chloe Gu takes a look at recent regulatory news out of China, including commentary on CCR Wealth Management's outlook on the future of investing in China.
- [November 2021 Market Outlook](https://ccrwealth.com/november-2021-market-outlook/) - Take a look into the current state of the market with our November 2021 market outlook, written by CIO John Maher!
- [Five Estate Considerations for the LGBTQ+ Community](https://ccrwealth.com/estate-considerations-lgbtq/) - Members of the LGBTQ+ community face challenges in having their relationships being considered equal in the eyes of the government.
- [July 2021 Market Outlook](https://ccrwealth.com/july-2021-market-brief/) - Take a look into the current state of the market with our July 2021 market brief, written by CIO John Maher!
- [Secure Act Whitepaper](https://ccrwealth.com/secure-act-whitepaper/) - More than ever, working with a financial professional is key to determining whether the SECURE Act could change your financial strategy.
- [June 2021 Market Outlook](https://ccrwealth.com/june-2021-market-outlook/) - Take a look into the current state of the market with our June 2021 market outlook, written by CIO John Maher!
- [Happy Earth Day!](https://ccrwealth.com/happy-earth-day-2021/) - Let our experience and guidance help grow the financial seeds you've worked hard to plant.
- [CCR Listed on the Top DC Advisor Teams for 2020](https://ccrwealth.com/ccr-listed-on-the-top-dc-advisor-teams-for-2020/) - We are ecstatic to be listed on the Top DC Advisor Teams again for 2020!
- [April 2021 Market Update and Q&A](https://ccrwealth.com/april-2021-market-update-and-qa/) - Take a look into the current state of the market with our April 2021 market outlook, written by CIO John Maher!
- [CCR Listed on Forbes Best in State 2021](https://ccrwealth.com/forbes-best-in-state-2021/) - CCR is honored to be listed as #8 on the Forbes list of Best in State Wealth Advisors
- [February 2021 Market Outlook](https://ccrwealth.com/february-2021-market-outlook/) - Take a look into the current state of the market with our February 2021 market outlook, written by CIO John Maher!
- [DCF Winter Items Donation 2020](https://ccrwealth.com/dcf-winter-items-donation/) - We collected over 50 pairs of pajamas and an entire bag each of boys underwear, girls underwear, gloves, and hats for DCF!
- [Happy Earth Day](https://ccrwealth.com/happy-earth-day/) - Although the Earth Day cleanup has been cancelled this year due to COVID-19 we are proud to support the Regional Environmental Council and all they do to create healthy and sustainable communities.
- [Wildflower - Helping Kids Rediscover Life After Loss](https://ccrwealth.com/wildflower-helping-kids-rediscover-life-after-loss/) - Wildflower is an amazing organization that helps kids that have dealt with loss in their life. Their gala event had to be canceled this year, but we are proud to be a sponsor. Being a kid means enjoying time to daydream, play and grow. When a child loses a parent, that carefree time can be
- [Feeding the Front Line at UMass Memorial Medical Center](https://ccrwealth.com/feeding-the-front-line-at-umass-memorial-medical-center/) - CCR is grateful for the front line workers at UMass Memorial Medical Center and the wonderful program set up by Quinn's Irish Pub to feed them!
- [Feeding the Front Line at Tufts Medical Center](https://ccrwealth.com/feeding-the-front-line-at-tufts-medical-center/) - Using funds the CCR Charity and Community Responsibility Committee raised from our 'Snack Shack' sales we were able to send 40 meals from 5 Spices House to Tufts Medical Center in Boston, MA. We received this nice note of from them:"Thank you so much, we have fed our Pediatric ICU and Pediatric Bone Marrow Transplant team with your donation,
- [2020 Post Election Q&A](https://ccrwealth.com/2020-post-election-qa/) - Our CIO John Maher, CFA, answers questions on the effect of the election on the US/China relationship, the probability of a fiscal stimulus plan, growth vs. value stocks, yields, and if you can expect a tax increase in 2021.
- [Election Year Retirement Mistakes](https://ccrwealth.com/election-year-retirement-mistakes/) - We want to make sure we are staying in touch with our clients and their staff and helping relieve any retirement related stress they may be experiencing as we work through this unique period of time. With that goal in mind, we put together the attached video for the staff to offer some perspective on
- [September 2020 Market Outlook](https://ccrwealth.com/september-market-outlook/) - John Maher gives some comments on the current political landscape and its potential economic impact, as well as the concept of Total Return vs. Yield.
- [July 2020 Market Outlook](https://ccrwealth.com/market-outlook-july-2020/) - Most will come to learn that the best days, weeks or even quarters tend to follow the worst days, weeks and quarters. Asset allocation is designed to bridge this gap.
- [April 2020 Market Outlook](https://ccrwealth.com/market-outlook-april-2020/) - Given the events of the last six weeks, sitting down to a keyboard to tap out thoughts that might be considered illuminating seems daunting. This is especially true given a clientele-readership which has largely been forced to sequester themselves with the media for weeks on end rather than going about their usual daily business.
- [NY Executive Order - Insurance & Annuity Extended Grace Periods](https://ccrwealth.com/ny-executive-order-insurance-annuity-extended-grace-periods/) - A recent Executive Order & amendments extend grace periods and grant other rights under your life insurance policy or annuity contract.
- [A Lesson in Education Planning](https://ccrwealth.com/a-lesson-in-education-planning/) - Are you a parent who has spent 18 years teaching their child? It's time to learn about funding education with the guidance of experts.
- [Tips for Getting the Most Benefit from a 529 Plan](https://ccrwealth.com/tips-for-getting-the-most-benefit-from-a-529-plan/) - There are two types of 529 plans: Prepaid Tuition Plans and College Savings Plans. Here's how to get the most benefit from either plan!
- [CCR at Habitat for Humanity 2023](https://ccrwealth.com/ccr-at-habitat-for-humanity-2023/) - Shout out to all the amazing CCR volunteers who came out to help with the Habitat for Humanity project this month!
- [Using Life Insurance to Fund Your Child’s Education](https://ccrwealth.com/using-life-insurance-to-fund-your-childs-education/) - Investing in a life insurance policy is one way to prep for your child’s higher education, and can provide extra security in the long run.
- [Understanding Retirement Benefits for Veterans](https://ccrwealth.com/understanding-retirement-benefits-for-veterans/) - Veterans, did you know the US offers Aid & Attendance benefits to support your retirement? Know the facts & all your options!
- [How Interest Rates Can Impact Your Mortgage Costs](https://ccrwealth.com/how-interest-rates-can-impact-your-mortgage-costs/) - Dreaming of buying a home? Learn more about how changing interest rates can affect your mortgage payments.
- [HSA vs PPO: Advantages and Disadvantages](https://ccrwealth.com/hsa-vs-ppo-advantages-and-disadvantages/) - Open enrollment is soon! Two options you should consider are a Health Savings Account plan and a Preferred Provider Organization plan.
- [Maximize Your 2024 Healthcare Savings With Your HSA](https://ccrwealth.com/maximize-your-2024-healthcare-savings-with-your-hsa/) - With the IRS raising the contribution limit for 2024, now is the perfect time to make the most of your HSA!
- [What is an HSA?](https://ccrwealth.com/what-is-an-hsa/) - Save money & live healthier by opening an HSA to manage your healthcare costs, even if you're on a high-deductible plan.
- [The Value of Insuring Against Life’s Risks](https://ccrwealth.com/the-value-of-insuring-against-lifes-risks/) - October is Disability Awareness Month, and a great reminder to invest in our families' future with disability insurance.
- [Your Cybersecurity Checklist](https://ccrwealth.com/your-cybersecurity-checklist/) - Don't be a statistic: follow this checklist to better navigate the situation if you ever experience a data breach.
- [Update for Retirement Plan Participants](https://ccrwealth.com/update-for-retirement-plan-participants/) - As we work our way through this difficult time, we want to remind you that your retirement team at CCR Wealth Management is here to help.
- [Update for Retirement Plan Sponsors](https://ccrwealth.com/update-for-retirement-plan-sponsors/) - The Cares Act was recently signed into law and it will provide several meaningful benefits for retirement plan participants.
- [COVID-19 Update](https://ccrwealth.com/covid-19-update/) - Let's discuss what investors "should do" in response to COVID's impact on the markets.
- [COVID-19 and the Markets](https://ccrwealth.com/covid-19-and-the-markets/) - A 3 ½% drop in broad US equity markets in response to rising COVID-19 cases has many investors understandably concerned.
- [February 2020 Market Outlook Video](https://ccrwealth.com/february-2020-market-outlook-video/) - John Maher, CIO, discusses analyzing forecasters, valuations, earnings, and their effects on the markets in this February Market Outlook.
- [January 2020 Outlook](https://ccrwealth.com/january-2020-outlook/) - Read our latest outlook for a comprehensive global review including the Yield Curve Reversion & US-China Trade War Tariffs.
- [Recognizing Phishing Emails](https://ccrwealth.com/recognizing-phishing-emails/) - Stay safe online by learning to recognize “phishing” emails.
- [Tips for Safeguarding Your Identity Online](https://ccrwealth.com/recognizing-phishing-emails-copy/) - Learn the risks associated with divulging your personal info and the steps you need to take to mitigate them below.
- [Your CCR Team](https://ccrwealth.com/your-ccr-team/) - In September, the CCR team met in Westboro, MA for our annual meeting. From new faces to familiar ones, check out our updated group photo!
- [October 2023 Market Outlook](https://ccrwealth.com/october-2023-market-outlook/) - A look into the current state of the market, as of October 2023.
- [Choosing the Best Debt Repayment Strategy](https://ccrwealth.com/choosing-the-best-debt-repayment-strategy/) - Two effective methods for tackling debt: paying off the smallest balances first or paying off the highest interest balances first.
- [Paying Back Your University Loans](https://ccrwealth.com/paying-back-your-university-loans/) - Dental students, did you know that several options make it easier to pay off Federal student loans?
- [Dear Millennials, We See You](https://ccrwealth.com/dear-millennials-we-see-you/) - Post-graduation debt can be overwhelming when you’re working hard to build your future. See how CCR can help.
- [Student Debt Management](https://ccrwealth.com/student-debt-management/) - Having a plan to manage your debt may help improve your financial well-being and move you closer to achieving financial security.
- [Subsidized vs Unsubsidized Loans](https://ccrwealth.com/subsidized-vs-unsubsidized-loans/) - Understanding the difference between subsidized and unsubsidized loans is essential when payments restart!
- [Tips Before Your Child Signs for Student Loans](https://ccrwealth.com/tips-before-your-child-signs-for-student-loans/) - Worried about your child taking on student loan debt? With the right strategy, your student can be debt-free in no time!
- [Merger of Our Cetera Advisors Teams](https://ccrwealth.com/merger-of-our-cetera-advisors-teams/) - We are pleased to announce that a smaller, local Branch of Cetera Advisors will be merging with CCR Wealth!
- [CCR & Edu4Retirement Merger](https://ccrwealth.com/ccr-edu4retirement-merger/) - We are thrilled to announce that we will be merging with Edu4Retirement!
- [Six Important Financial Strategies for Your 20s and 30s](https://ccrwealth.com/financial-strategies-for-young-adults/) - Personal finance goals look a little different when you’re in your 20s and 30s. Working with a financial professional may help get you out of debt faster, save for important goals, and give you a head start on retirement.
- [The Great Spending Balance](https://ccrwealth.com/great-spending-balance/) - Explore some smart strategies to address with your financial professional—ensuring that you’re able to enjoy your life in the present, while still building a solid foundation for your future.
- [January 2022 Market Outlook](https://ccrwealth.com/january-2022-market-outlook/) - 2022 is a mid-term election year, which also brings change, often. It would not surprise us if change were also afoot among the public’s perceptions of the power they have granted to governments.
- [Behavioral Finance & Market Outcomes Ebook](https://ccrwealth.com/behavioral-finance-ebook/) - Behavioral biases have a proven, negative effect on investor outcomes. We draw from the annual Dalbar Quantitative Analysis of Investor Behavior report in quantifying their effect on individuals’ portfolio returns, and explore both Cognitive and Emotional biases as well as discussions of specific behaviors common among investors.
- [1099s & Working With a Tax Preparer](https://ccrwealth.com/1099s-and-tax-prep/) - Financial Planner Jonathan Lilja discusses 1099s, when to expect them, and how to choose a CPA or tax preparer for the upcoming tax season. Don't wait to seek professional help as many CPAs are simply too busy to pick up new clients!
- [Continue to Care for Your Family: Final Expense Insurance](https://ccrwealth.com/final-expense/) - For those shopping for life insurance and looking for ways to help their family even after they are gone, final expense insurance could be one alternative to consider.
- [CCR Listed on the Top DC Advisor Teams for 2021](https://ccrwealth.com/ccr-top-dc-advisor-teams-2021/) - CCR Wealth Management is pleased to be listed again on the Top DC Advisor Teams for 2021!
- [Are Financial Advisors Still Relevant in a Digital World? (Whitepaper)](https://ccrwealth.com/are-financial-advisors-still-relevant/) - Are Financial Advisors Still Relevant in a Digital World? Here's a guide to determining if you should work with a financial advisor.
- [April 2022 Market Outlook](https://ccrwealth.com/april-2022-market-outlook/) - Talk on the Street has increasingly included an outlook for a recession sometime in the near future.
- [Forbes Best In State 2022](https://ccrwealth.com/forbes-best-in-state-2022/) - CCR is honored to be listed #11 in the state of MA on the Forbes list of Best in State Wealth Advisors!
- [Dollar-Cost Averaging](https://ccrwealth.com/dollar-cost-averaging/) - What is dollar-cost averaging and how can you implement it in your investment strategy? Financial Planning Associates Vincenzo Palmerino and Tim Ressler discuss this simple investment strategy.
- [Six Wise Ways to Use Your Tax Refund](https://ccrwealth.com/tax-refund-strategies/) - When your tax refund arrives, it can be tempting to spend it immediately. But there are ways that you can use your refund to your advantage.
- [Benefits of Working with a Financial Professional](https://ccrwealth.com/working-with-a-professional/) - Working with a financial professional allows you to design a financial strategy based on your unique needs and aspirations, for today and the future.
- [SEP IRA vs Simple IRA vs Solo 401(k) for Self-Employed Individuals](https://ccrwealth.com/sep-simple-solo-iras/) - Financial Planners Vincenzo Palmerino and Tim Ressler discuss the alternatives available for self-employed individuals who want to save for retirement but don't have access to a typical retirement plan.
- [How A Financial Plan Helps Endure Market Volatility](https://ccrwealth.com/enduring-market-volatility/) - Learn how financial plans incorporate market volatility and why building a durable plan is essential for reaching your financial goals during market downturns.
- [How Diversification Can Help Small Business Owners Manage Risk](https://ccrwealth.com/small-business-diversification/) - We hear all the time that spreading our portfolios' holdings across many asset classes is the best defense against losses when the bears hit Wall Street. But as a business owner, there's a good chance that your diversification strategy may not work as you intended. Here's why.
- [10 Tips for Small Business Owners](https://ccrwealth.com/10-tips-small-business-owners/) - Small business owners should conduct an annual assessment of their personal finances. Here are 10 tips to follow in weighing a small business owner’s financial plan.
- [The Need for Disability Income Protection](https://ccrwealth.com/disability-income-protection/) - The best way to protect yourself from the financial harm that a disability can cause is to purchase disability income insurance. But where do you start?
- [Behavioral Finance I, II, & II on Youtube](https://ccrwealth.com/behavioral-finance-videos/) - Join John Maher, CFA and CIO, as he takes a deep dive into the comprehensive topic of Behavioral Finance.
- [CCR Named to the 2018 NAPA Top DC Advisor Teams List](https://ccrwealth.com/ccr-named-to-the-2018-napa-top-dc-advisor-teams-list/) - CCR is proud to be recognized by the National Association of Plan Advisors (NAPA) for our service in the retirement plan market.
- [November 2018 Market Outlook Video](https://ccrwealth.com/november-2018-market-outlook-video/) - Watch our latest Market Outlook Video to gain insights on the current market and economic conditions.
- [New Year, New IRS Cost of Living Adjustments](https://ccrwealth.com/new-year-new-irs-cost-of-living-adjustments/) - The IRS announced cost of living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax year 2019.
- [Coats for Kids 2019](https://ccrwealth.com/coats-for-kids-2019/) - WOW – we just filled our entire 18 foot table with 65 COATS and 16 HATS/MITTENS for the local Department of Children and Families office!
- [January 2019 Market Outlook](https://ccrwealth.com/january-2019-market-outlook/) - The exogenous nature of factors affecting agriculture and energy prices has kept us from abandoning—or adding to commodities for the last nine months.
- [Important Tax Info for 2019](https://ccrwealth.com/important-tax-info-for-2019/) - It's Tax Time Again! View the video presented by Lisa Comeau on important tax time information.
- [CCR on Forbes Best in State List](https://ccrwealth.com/ccr-on-forbes-best-in-state-list-2019/) - CCR is honored to once again be listed on the Forbes Best in State List 2019!
- [Social Security Scam & FAQ's](https://ccrwealth.com/social-security-scam-faqs/) - There is a current scam regarding Social Security going around the country right now that we would like you to be aware of.
- [2019 Federal Income Taxes](https://ccrwealth.com/2019-federal-income-taxes/) - View a handy graph concerning the 2019 federal income taxes!
- [February 2019 Market Outlook](https://ccrwealth.com/february-2019-market-outlook/) - Watch our latest Market Outlook Video to gain insights on the current market and economic conditions.
- [GTM Periodic Table](https://ccrwealth.com/gtm-periodic-table/) - The GTM Periodic Table is what we call a “periodic table” of asset-type returns.
- [CFA Boston Market Dinner](https://ccrwealth.com/cfa-boston-market-dinner/) - CCR is proud to sponsor the @CFABoston #CFABMarketDinner!
- [March for Babies 2019](https://ccrwealth.com/march-for-babies-2019/) - Each year CCR raises money and participates in the local March of Dimes March for Babies walk in Worcester, MA.
- [April 2019 Market Outlook](https://ccrwealth.com/april-2019-market-outlook/) - Take a look into the current state of the market with our April 2019 Market Outlook.
- [March 2019 Market Outlook](https://ccrwealth.com/market-outlook-march-2019/) - Take a look into the current state of the market with our March 2019 Market Outlook.
- [March/April 2019 Outlook Recap](https://ccrwealth.com/april-market-outlook-2019-recap/) - Watch a 4 minute recap of last month's market outlook and a brief introduction to topics that will be discussed in our outlook!
- [Three Retirement Focus Points](https://ccrwealth.com/three-retirement-focus-points/) - Joe Montana discusses three focus points to assist plan participants in making the most out of their 401k retirement plan.
- [Keys to Managing Student Loans](https://ccrwealth.com/keys-to-managing-student-loans/) - A growing concern for many clients, here are a few keys to understanding student loans and how to effectively manage them.
- [Interest Rates](https://ccrwealth.com/interest-rates/) - How do the markets react to Fed decisions? Should we expect an interest rate cut soon?
- [July 2019 Market Outlook Summary](https://ccrwealth.com/july-2019-market-outlook-summary/) - Watch a summary video of our current market outlook now!
- [July 2019 Market Outlook](https://ccrwealth.com/july-2019-market-outlook/) - We seem to be significantly in the minority in our views that an interest rate cut at the end of this month is not justified and is potentially detrimental.
- [What's New with CCR 2019](https://ccrwealth.com/whats-new-ccr-2019/) - We hope you enjoy this video update on our firm. Thank you for your continued trust and support.
- [Habitat for Humanity - Operation Playhouse](https://ccrwealth.com/habitat-for-humanity-operation-playhouse/) - CCR participated in Habitat for Humanity's Operation Playhouse, a program that benefits local veterans and military families and their children.
- [Financial Planning & Wellness](https://ccrwealth.com/financial-planning-wellness/) - Advisor and Certified Financial Planner Andrew Bonetti discusses the basic steps you should take in planning for your future.
- [CCR Group Health & Life Insurance Process](https://ccrwealth.com/ccr-group-health-life-insurance-process/) - Our five-step process: We provide the framework and the solutions to help you select flexible, cost effective group health and life plans that provide the best possible coverage.
- [CCR Corporate Retirement Plan Process](https://ccrwealth.com/ccr-corporate-retirement-plan-process/) - Through a seven-step process, we work with you to define, analyze, meet and monitor your firm’s retirement plan goals.
- [Environmental, Social, and Corporate Governance](https://ccrwealth.com/environmental-social-and-corporate-governance/) - What is ESG investing?
- [What is a Dental Service Organization (DSO)?](https://ccrwealth.com/what-is-a-dental-service-organization-dso/) - Advisor Rich Moore asks Emily Tetreault of Rosen & Associates questions on what DSO's are and its advantages and disadvantages.
- [Corporate Bond Market](https://ccrwealth.com/corporate-bond-market/) - The corporate bond market has gotten riskier. Why? What should we do in our portfolio?
- [US-China Dispute: Tariffs](https://ccrwealth.com/us-china-dispute/) - How do the tariffs impact consumers and the equity markets?
- [October 2019 Market Outlook IV: Investing in the Cannabis Industry](https://ccrwealth.com/october-2019-market-outlook-4/) - Learn more about investing in the cannabis market in part 4 to our October 2019 Market Outlook.
- [October 2019 Market Outlook III: Interest Rate Outlook](https://ccrwealth.com/october-2019-market-outlook-3/) - Learn more about interest rates in part 3 to our October 2019 Market Outlook
- [October 2019 Market Outlook I: Market Outlook/Commodities](https://ccrwealth.com/october-2019-market-outlook-1/) - Learn more about commodities in the Intro to our October 2019 Market Outlook
- [October 2019 Market Outlook II: Active vs. Passive Investments](https://ccrwealth.com/october-2019-market-outlook-2/) - Learn more about active vs passive investments in Part 2 of the October 2019 market outlook.
- [Cybersecurity and Identity Theft](https://ccrwealth.com/cyber-security/) - Learn what you need to be doing to safeguard yourself against Cybersecurity and Identity Theft.
- [October 2019 Market Outlook Summary](https://ccrwealth.com/october-2019-market-outlook-summary/) - A brief outlook into the October 2019 market outlook before a more detailed version is published.
- [CCR Named to the 2019 Edition of the Financial Times 401 Top Retirement Advisers](https://ccrwealth.com/ccr-named-2019-edition-financial-times-401-top-retirement-advisers/) - We are proud to be named to the 2019 edition of the Financial Times 401 Top Retirement Advisers. The list recognizes the top financial advisers who specialize in serving defined contribution (DC) retirement plans, such as 401(k) and 403(b) plans, across the US.
- [How Charitable Giving Can Lower Your 2019 Tax Bill](https://ccrwealth.com/how-charitable-giving-can-lower-your-2019-tax-bill/) - Many investors are confused after recent changes to federal tax laws.
- [Life Insurance](https://ccrwealth.com/life-insurance/) - Advisors Tom Neilan discusses different types of life insurance and when they are appropriate pieces of a financial plan.
- [Maximizing Health Insurance Plan Benefits](https://ccrwealth.com/maximizing-health-insurance-plan-benefits/) - Advisor Mike Rousseau discusses ways to make sure you are taking full advantage of your health plan benefits.
- [November 2019 Market Outlook - Behind the Trade War](https://ccrwealth.com/november-2019-market-outlook-behind-trade-war/) - We think closing the per capita gap between Chinese and American citizens will be the key to more harmonious relations. East meets West will most likely be a competitive contest for decades to come.
- [Thinking of Selling Your Dental Practice?  4 Things You Should Know](https://ccrwealth.com/thinking-selling-dental-practice-4-things-know/) - Mark Palmerino gives his key considerations any dental practice owner should be thinking about as you begin to mull a sale of your business.
- [Why Advisors Should Keep Politics Out of Portfolios](https://ccrwealth.com/advisors-keep-politics-portfolios/) - In Keeping Politics Out of the Portfolio, published on ThinkAdvisor.com, Jonathan Albano talks about the importance of taking a clients politically fueled emotions out of their investing strategy.
- [February 2018 Live Market Update Video](https://ccrwealth.com/february-2018-market-outlook-live/) - View our inaugural live market update with our Chief Investment Office, John Maher.
- [How Advisors Can Help Clients Facing an Empty Nest](https://ccrwealth.com/advisors-can-help-clients-facing-empty-nest/) - Michael Rousseau discusses the importance of supporting your clients facing an empty nest.
- [Earth Day Cleanup 2018](https://ccrwealth.com/earth-day-cleanup-2018/) - Each year we choose a local spot that needs to be cleaned up in honor of Earth Day.
- [March for Babies 2018](https://ccrwealth.com/march-for-babies-2018/) - We had a great time at the March for Babies Walk in Worcester, MA - our tie-dye t-shirts went great with the purple!
- [Veterans Inc. - Stand Down 2018](https://ccrwealth.com/veterans-inc-stand-down-2018/) - This year we supported the Stand Down event by collecting socks of all types to be donated to the vets.
- [Setting Client Expectations in a Volatile Investment Environment](https://ccrwealth.com/setting-client-expectations-volatile-investment-environment/) - As volatility becomes the norm and double-digit gains become an anomaly, it's time to boost your contacts with your clients to keep them content.
- [July 2018 Live Market Update Video](https://ccrwealth.com/live-market-update-video-july-2018/) - Watch a Live Market Outlook from CCR Wealth Managements CIO, John Maher and Partner and Financial Planner, Jonathan Albano to gain their insights on the current market and economic conditions.
- [CCR listed as a Top Firm by AUM 2018](https://ccrwealth.com/ccr-listed-top-firm-aum-2018/) - CCR has been named once again to Accounting Today's annual ranking of the Top 150 CPA Firms by Assets Under Management.
- [Post-College Financial Planning And Debt Relief Tips For Your Clients’ Children](https://ccrwealth.com/post-college-financial-planning-debt-relief-tips-clients-children/) - CCR Partner Jonathan Albano offers three important points of guidance for financial advisors working with clients who have children who have recently graduated from college.
- [CCR Purchases Books for Local Classroom](https://ccrwealth.com/ccr-purchases-books-for-local-classroom/) - This year we chose a classroom we found that needed books. We received a sweet letter of thanks from the teacher.
- [Community Harvest 2018](https://ccrwealth.com/community-harvest-2018/) - CCR harvested eggplant, tomatoes and peppers for the Community Harvest Project, a non-profit farm that grows fresh fruits and vegetables for the community.
- [CCR listed on the Financial Times Top 401 Retirement Advisors](https://ccrwealth.com/ccr-listed-financial-times-top-401-retirement-advisors/) - We are proud to be named in the 2018 edition of the Financial Times 401 Top Retirement Advisers.
- [How to Talk to Clients About Money and Marriage](https://ccrwealth.com/talk-clients-money-marriage/) - Talking to clients about their personal relationships may be awkward, but they are essential conversations to have for effective financial planning.
- [January 2018 Market Outlook](https://ccrwealth.com/january-2018-outlook/) - 2017 was a remarkable year. We jumped from a pessimistic tone in the media’s assessment of global markets and economics throughout 2016 to comparisons of the 1990’s technology stock-market bubble in the span of about six months.
- [October 2018 Market Outlook](https://ccrwealth.com/october-2018-market-outlook/) - This Outlook edition has (uncharacteristically) trod lightly on economic numbers and interest rate narratives. Suffice to say, the numbers have remained quite strong since our last e-mail in August.
- [Salvation Army Thanksgiving Dinner Distribution](https://ccrwealth.com/salvation-army-thanksgiving-dinner-distribution/) - Our team volunteered at the Salvation Army's Thanksgiving Dinner Distribution, where 2,000 families received a Thanksgiving Dinner including all the fixings.
- [CCR listed on 2018 Forbes Top Advisors State by State](https://ccrwealth.com/ccr-listed-2018-forbes-top-advisors-state-state/) - We are proud to be named on the distinguished list of Top Advisors for 2018 from Forbes.
- [CCR named on the 2017 Financial Times 401 Top Retirement Plan Advisors](https://ccrwealth.com/ccr-named-2017-financial-times-401-top-retirement-plan-advisors/) - Richard Moore is pleased to announce that he has been named to the 2017 edition of the Financial Times 401 Top Retirement Plan Advisers.
- [Community Harvest 2017](https://ccrwealth.com/community-harvest-2017/) - CCR team members volunteered at the Community Harvest Project, a non-profit farm that grows fresh fruits and vegetables for the community.
- [Cryptocurrencies & Bitcoin—Fad or Future?](https://ccrwealth.com/crytocurrencies-bitcoin-fad-or-future/) - Caveat Emptor may never have been a more fitting caution than for those looking to enter the cryptocurrency craze.
- [What to Tell Clients Feeling Market Anxiety](https://ccrwealth.com/tell-clients-feeling-market-anxiety/) - How to have a clear-eyed, sober conversation with investors who feel the bull market is long in the tooth.
- [Help Your Clients Avoid Disastrous Mistakes When Filling in College Funding Gaps](https://ccrwealth.com/help-clients-avoid-disastrous-mistakes-filling-college-funding-gaps/) - For parents sending their kids to college this year, the numbers are staggering: the average out-of-state tuition for a four-year public institution is nearly $25,000.
- [July 2017 Market Outlook](https://ccrwealth.com/july-2017-outlook/) - This market has seemed to defy odds and expectations given the pressures of the current highly politicized environment.
- [CCR named on the NAPA Top DC Advisor Firms](https://ccrwealth.com/ccr-named-napa-top-dc-advisor-firms/) - NAPA has published its first-ever list of top defined contribution (DC) Advisor Firms, and CCR is honored to be included!
- [October 2017 Market Outlook](https://ccrwealth.com/october-2017-outlook/) - This quarter, we discuss Bitcoin and other “cryptocurrencies”.
- [How to Help Small Business Owners Prep For a Sale](https://ccrwealth.com/help-small-business-owners-prep-sale/) - In How to Help Small Business Owners Prep for a Sale, Mark Palmerino gives four keys to assisting clients looking to retire.
- [Bitcoin for Beginners: 3 Things to Know Before You Invest](https://ccrwealth.com/bitcoin-beginners-3-things-know-invest/) - Bitcoin has been luring some investors with potentially huge rewards—and scaring others away with equally big risks.
- [Bitcoin Is Likely to Gain Widespread Acceptance](https://ccrwealth.com/bitcoin-likely-gain-widespread-acceptance/) - Bitcoin advanced more than 70% during the third quarter and nosedived 25% over four days in mid-November only to rebound astronomically in the days since.
- [January 2017 Market Outlook](https://ccrwealth.com/january-2017-outlook/) - Greetings this New Year from our new office facilities in Westborough, MA. We hope you will find time to stop in if you are in the area!
- [Thanksgiving Turkeys at the Salvation Army](https://ccrwealth.com/thanksgiving-turkeys-salvation-army/) - The CCR charity group volunteered at the Salvation Army to sort out Thanksgiving day bags of food and pass out Turkeys to families in need. Great job team!
- [CCR Wealth Management Continues to Implement Strategic Growth Plan with Addition of Two Senior Professionals](https://ccrwealth.com/ccr-adds-two-senior-professionals/) - Key hires underscore firm's commitment to continue growth trajectory through team enhancements that create an exceptional client-service experience.
- [CCR named to the Financial Times 400 Top Financial Advisors](https://ccrwealth.com/ccr-named-financial-times-400-top-financial-advisors/) - David Borden has been named to the 2017 edition of the Financial Times 400 Top Financial Advisors.
- [Cetera® Advisors Honors CCR Wealth Management as Ensemble of the Year at Annual Awards Conference 2017](https://ccrwealth.com/cetera-advisors-honors-ccr-wealth-management-ensemble-year-annual-awards-conference/) - CCR is honored to be awarded the 2017 Ensemble of the Year by Cetera® Advisors.
- [April 2017 Market Outlook](https://ccrwealth.com/april-2017-outlook/) - If we can recognize within ourselves which biases have tended to define our investment approaches, then we are taking the first step toward improving our results already.
- [March of Dimes March for Babies 2017](https://ccrwealth.com/march-dimes-march-babies-2017/) - Check out Team CCR at the Worcester, MA Walk for Babies.
- [How To Best Support Politically Divided Couples](https://ccrwealth.com/best-support-politically-divided-couples/) - Married couples tend to have political views that are relatively in sync, but not always.
- [How Over-Emphasizing Tax Deductions Can Get Your Clients Into Trouble](https://ccrwealth.com/emphasizing-tax-deductions-can-get-clients-trouble/) - Now that the tax season is over, this is perhaps the slowest time on the calendar for many financial advisers.
- [Four Tips For Clients Thinking About Buying a Vacation Home](https://ccrwealth.com/four-tips-clients-thinking-buying-vacation-home/) - Even if a client can afford a second home, there are wide array of long-term planning considerations to take into account.
- [How Advisors Can Best Educate Clients About Online Financial Tools](https://ccrwealth.com/advisors-can-best-educate-clients-online-financial-tools/) - Clients don't rely on WebMD for serious medical concerns, so they shouldn't trust fintech with all their investing, insurance and tax needs.
- [January 2016 Market Outlook](https://ccrwealth.com/january-2016-outlook/) - The flaw in compartmentalized thinking for an investor is that we tend to place too much weight on the investment outcomes of a particular calendar year when it bears virtually no impact on long term investment results. --CCR Wealth Management Outlook, February 2015
- [Hat & Mitten Drive for DCF](https://ccrwealth.com/hat-mitten-drive-dcf/) - We held a Coat, Hat & Mitten drive for the local office of the Department of Children and Families and were overwhelmed with the support of our staff, family, and friends.
- [Four Ways to Prep for Retirement in Mass.](https://ccrwealth.com/four-ways-prep-retirement-mass/) - Thanks to the financial crisis and the accommodative Federal Reserve policies that have followed, interest rates are no longer supportive of a simple retirement approach.
- [Forget The IRS: Why A Department Of Labor Audit Is The New Boogeyman For Small Businesses](https://ccrwealth.com/forget-irs-department-labor-audit-new-boogeyman-small-businesses/) - For business owners, few things are more terrifying than a potential IRS tax audit.
- [David Borden Named to 2016 Financial Times 400 Top Financial Advisers](https://ccrwealth.com/david-borden-named-2016-financial-times-400-top-financial-advisers/) - David Borden Named to 2016 Financial Times 400 Top Financial Advisers.
- [Four Ways Financial Advisers Should Help Retirement Plan Sponsor Clients Avoid a Dol Audit](https://ccrwealth.com/four-ways-financial-advisers-help-retirement-plan-sponsor-clients-avoid-dol-audit/) - Most financial advisers who support the personal planning needs of independent business owners of small- to mid-sized companies are invariably called upon to also help with business advice needs.
- [Earth Day Cleanup](https://ccrwealth.com/earth-day-cleanup/) - We had a great turnout for our annual Earth Day cleanup.
- [Cetera® Advisors Honors CCR Wealth Management as Ensemble of the Year](https://ccrwealth.com/cetera-advisors-honors-ccr-wealth-management-ensemble-year/) - We are honored to be awarded the Ensemble of the Year award from Cetera® Advisors.
- [Top Insurance Strategies For Small Business Owner Clients](https://ccrwealth.com/top-insurance-strategies-small-business-owner-clients/) - As financial advisors, we've all encountered small business owner clients who are living the American dream.
- [May 2016 Market Outlook](https://ccrwealth.com/may-2016-outlook/) - In today’s hyper-connected world with media outlets “screaming” headlines to attract eyeballs, it is nearly impossible to separate fact from narrative.
- [Mid 2016 Market Outlook](https://ccrwealth.com/mid-2016-market-outlook/) - Here at the mid-point of 2016 it's worth noting the remarkable turn of events, both inside and outside of the financial world we professionals occupy.
- [Think Personal Disability Insurance Isn’t Important for Dentists? Think Again](https://ccrwealth.com/think-personal-disability-insurance-isnt-important-dentists-think/) - What happens to your family should you become disabled and unable to perform your job as a dental professional? It's a good idea to buy disability insurance.
- [October 2016 Market Outlook](https://ccrwealth.com/october-2016-outlook/) - For some, higher mortgage payments may soon become a reality.
- [Got Dental Student Loan Debt? Some Tricks to Help You Tackle It](https://ccrwealth.com/got-dental-student-loan-debt-tricks-help-tackle/) - Student loan debt can inhibit dentists' ability to save money, plan for retirement, buy a house, or get married. There's a way to alleviate the debt.
- [Help Small Biz Owners Gain an Edge With Company-Sponsored Retirement Plan](https://ccrwealth.com/small-business-owners-company-sponsored-retirement-plan/) - Small business owners, consider a company-sponsored 401(k) or defined benefit plan for you and your employees.
- [Westborough Firm Relocates Headquarters Ahead of Expansion](https://ccrwealth.com/westborough-firm-relocates-headquarters-ahead-expansion/) - CCR Wealth Management has moved to new headquarters in Westborough in preparation for an upcoming expansion.
- [Community Harvest Volunteering](https://ccrwealth.com/community-harvest-volunteering/) - Our charity group picked and sorted fruits and vegetables from Community Harvest Project, a non-profit farm.
- [Why Pension Plans Can Make Sense for Dental Practices](https://ccrwealth.com/pension-plans-can-make-sense-dental-practices/) - For some small business owners, pension plans are a broad financial planning tool that may help slash near- and long-term tax burden.
- [February 2015 Market Outlook](https://ccrwealth.com/february-2015-outlook/) - Investors are forced to choose between the boogey-man of actually rising interest rates, or the boogey-man of a 100% credit-bond portfolio.
- [July 2015 Market Outlook](https://ccrwealth.com/july-2015-outlook/) - Some clients may be required to adjust their own portfolio expectations & strategy in pursuit of the return required of their financial plan.
- [Donation to the Franklin Food Pantry](https://ccrwealth.com/donation-franklin-food-pantry/) - We were able to donate 71lbs of food to the Franklin Food Pantry running the “Breakfast Month”!
- [Volunteering at the Veterans Inc Stand Down Event](https://ccrwealth.com/volunteering-veterans-inc-stand-event/) - The CCR Charity group was able to donate 100 bags full of hygiene items to the Veterans Inc Stand Down event in Worcester, MA. Over the two days we served food, cleaned, sorted clothes, and anything else to make the event run smoothly.
- [CCR Funded a Local Schools Request for Gym Equipment](https://ccrwealth.com/ccr-funded-local-schools-request-gym-equipment/) - A local school posted a request for donations to purchase new equipment for their gym, and by raffling off tickets to a Patriots game we were able to fully fund their request!
- [CCR Listed on the 2015 Financial Times Top 400](https://ccrwealth.com/ccr-listed-2015-financial-times-top-400/) - CCR is honored to be listed on the 2015 Financial Times Top 400 list.
- [CCR Charity & Community Responsibility](https://ccrwealth.com/ccr-charity-community-responsibility/) - We are proud to announce we have formalized our charitable endeavors with the creation of an internal committee, name and logo.
- [CCR Listed on the 2014 CT Five Star Professionals](https://ccrwealth.com/2014-ct-five-star-professionals/) - CCR is honored to be listed on the Connecticut Five Star Professionals list for 2014.
- [May 2014 Market Outlook](https://ccrwealth.com/may-2014-outlook/) - US equity markets have seen what we would describe as mild volatility over the last few weeks, mostly attributed to geopolitical tensions emanating from the Ukraine-Russia belligerence.
- [September 2014 Market Outlook](https://ccrwealth.com/september-2014-outlook/) - As with most truly alternative investments, an investor must give up some liquidity to reap these benefits.
- [January 2014 Market Outlook](https://ccrwealth.com/january-2014-outlook/) - What are the similarities between 2013 and the late 1990’s? What are the differences that matter? Are we in another equity bubble?
- [October 2013 Market Outlook](https://ccrwealth.com/october-2013-outlook/) - The stakes are too high to flirt with failure and ultimately default; party affiliation will not insulate anyone, all parties to the impasse know it (despite the rhetoric), and we must operate under these premises.
- [January 2010 Market Outlook](https://ccrwealth.com/january-2010-outlook/) - For the year, all major oil, precious, and base metal indexes either exceeded, or far exceeded the major developed global equity index universe.
- [June 2010 Market Outlook](https://ccrwealth.com/june-2010-outlook/) - As we write, stocks are off some 12.5% from their April 26 highs (as measured by the S&P 500).
- [November 2010 Market Outlook](https://ccrwealth.com/november-2010-outlook/) - As we approach the end of another calendar year, we reflect not just on the events and developments of 2010, but on the decade that this month concludes.
- [August 2010 Market Outlook](https://ccrwealth.com/august-2010-outlook/) - The market volatility we have all experienced in the last two weeks, and especially the last few days has all investors understandably on edge.
- [January 2011 Market Outlook](https://ccrwealth.com/january-2011-outlook/) - CCR Wealth Management greets the New Year with more sanguine market and economic reflections for our clients’ consideration—at last!
- [April 2011 Market Outlook](https://ccrwealth.com/april-2011-outlook/) - A client of ours called about 5 or 6 weeks ago in a bit of a panic. Their question: when (not if) to get out of the market?
- [July 2011 Market Outlook](https://ccrwealth.com/july-2011-outlook/) - We have made general market commentaries in recent portfolio reviews on the seemingly déjà vu aspects to this Spring and Summer’s market movements.
- [Clients Come Out of Their Shells](https://ccrwealth.com/clients-come-shells/) - While markets have fallen sharply in the last month, they still remain lar above the depths or the financial crisis.
- [Investment Experts On Debt Ceiling: Don't Panic](https://ccrwealth.com/investment-experts-debt-ceiling-dont-panic/) - With much of the U.S. media focused on the showdown in Washington over the debt ceiling, Central Massachusetts financial advisors are getting their share of calls from concerned investors. Their message: Don't get too worried.
- [October 2011 Market Outlook](https://ccrwealth.com/october-2011-outlook/) - This past quarter we’ve witnessed Europe’s fiscal issues finally metastasize into banking issues (Belgium’s Dexia)—long feared—as their politicians, like our own, have made an art form of “kicking the can down the road”.
- [January 2012 Market Outlook](https://ccrwealth.com/january-2012-outlook/) - By now most of us have read our fill of 2011 post-mortems—but we’re compelled to add a few thoughts of our own before we look ahead, seeking to apply the experience and perspectives gained to our outlook on global markets in 2012.
- [April 2012 Market Outlook](https://ccrwealth.com/april-2012-outlook/) - We commented in January that “we expect the continued, gradual growth rate of the US (2%-3%) to support an ultimately improved investment climate domestically—but we are convinced we will remain in a low-return environment…”
- [January 2013 Market Outlook](https://ccrwealth.com/january-2013-outlook/) - Last year we were looking for US economic growth in the 2%-3% range, an improved investing environment here in the US as well as a stabilizing of non-US and particularly developing markets.
- [November 2012 Market Outlook](https://ccrwealth.com/november-2012-outlook/) - In June we quoted Alexis de Toqueville with regard to the developed world’s attempt to come to grips with fiscal burdens of increasingly hefty magnitudes.
- [June 2012 Market Outlook](https://ccrwealth.com/june-2012-outlook/) - “The curious task of economics is to demonstrate to men how little they really know about what they imagine they can design”--Friedrich A. Hayek
- [David Borden Listed in 40 Under 40 in WBJ](https://ccrwealth.com/david-borden-listed-40-40-wbj/) - David Borden listed in 40 Under 40 in Worcester Business Journal.
- [6 Questions About 529 Plans](https://ccrwealth.com/6-questions-about-529-plans/) - Are you considering a 529 plan for your child's future college expenses? Here are 6 questions parents frequently ask financial advisors!
- [Acquaint Grown Children with Your Financial Affairs](https://ccrwealth.com/acquaint-grown-children-with-your-financial-affairs/) - Informing adult children about personal, financial, and estate planning information can ensure they take timely action during emergencies.
- [Critical Estate Documents](https://ccrwealth.com/critical-estate-documents/) - Understanding the difference and benefits of financial & healthcare documents is vital to your estate plan.
- [Avoid Common Missteps When Naming Beneficiaries](https://ccrwealth.com/avoid-common-missteps-when-naming-beneficiaries/) - Here are typical gaps we see in the estate planning process, which you can avoid by being aware of them.
- [The Importance of 529 Plans](https://ccrwealth.com/the-importance-of-529-plans/) - Find out how a 529 plan fits into your family's financial and college plan!
- [The Difference Between Trusts and Wills](https://ccrwealth.com/the-difference-between-trusts-and-wills/) - Do you know the difference between a will and revocable trust? If not, now's the time to learn.
- [A Quick Primer On Living Wills](https://ccrwealth.com/primer-on-living-wi/) - Consider implementing a living will to ensure you’re protected in case of the unexpected.
- [July 2023 Market Outlook](https://ccrwealth.com/july-2023-market-outlook/) - The second half of 2023 is likely to be less celebratory than the first half has been. Don’t fight the Fed!
- [Disability Income Insurance—A Partner When You’re in Need](https://ccrwealth.com/disability-income-insurance-a-partner-when-youre-in-need/) - Disability income protection is often left out of planning; however, it can help fill the void when income stops and bills mount.
- [Disability & Your Finances](https://ccrwealth.com/disability-your-finances/) - Rather than depending on social security, consider protecting yourself with disability insurance.
- [The Complex Waters of Aging Parent’s Finances](https://ccrwealth.com/aging-parents-finances/) - This National Parents' Day, consider taking a second look at your aging parents' finances.
- [The Importance of Diversification](https://ccrwealth.com/importance-of-diversification/) - Retirement Consultant Jared T. Evangelous, CRPC®, discusses the importance of diversification.
- [Diversification: Blending Your Investment Ingredients](https://ccrwealth.com/diversification-blending-your-investment-ingredients/) - Your portfolio's potentially high rates of return can skew one's objectivity, resulting in unnecessary exposure to risk.
- [Diversification & Correlation](https://ccrwealth.com/diversification-correlation/) - Investors need to know the difference between diversification and correlation, as your diversification strategy may not work as you intended.
- [Summer: Great Time to Teach Kids About Money](https://ccrwealth.com/teach-kids-about-money/) - July is National Make a Difference to Children Month, which is a great time to teach your kids about money!
- [Permanent vs. Term Insurance](https://ccrwealth.com/permanent-vs-term-insurance/) - When choosing life insurance coverage, take a closer look at the short- and long-term benefits of permanent vs term insurance.
- [Revamped Website](https://ccrwealth.com/revamped-website/) - We are thrilled to unveil our newly redesigned website, tailored to enhance your wealth management experience!
- [Tax & Estate Strategies For Married LGBTQ+ Couples](https://ccrwealth.com/lgbtq-tax-estate-strategies/) - Learn how to maximize your tax and estate strategy as a married member of the LGBTQ+ community!
- [Insurance Protection for Life’s Key Stages](https://ccrwealth.com/life-cycle-planning/) - Life cycle planning helps individuals and families identify insurance needs that are common to particular stages of life.
- [Revisiting Elder Care Issues](https://ccrwealth.com/revisiting-elder-care-issues/) - Existing financial, health care, and living arrangements that were satisfactory at age 65 often require a second look.
- [The Role of Caregiver Affects Women Differently](https://ccrwealth.com/caregiving-affects-women-differently/) - Caregiving can affect women’s professional advancement at work, as well as their ability to save and plan for retirement.
- [5 Estate Considerations For The LGBTQ+ Community](https://ccrwealth.com/lgbtq-estate-considerations/) - LGBTQ+ couples face particularly complicated issues when establishing a workable estate strategy.
- [Mental Health & Group Benefits](https://ccrwealth.com/mental-health-group-benefits/) - Medical insurance companies offer excellent mental health coverage. Let CCR assist you in offering this valuable benefit to your employees.
- [CCR Listed on Forbes Best in State Wealth Advisor 2023](https://ccrwealth.com/ccr-listed-on-forbes-best-in-state-wealth-advisor-2023/) - CCR is pleased to be listed again on the Forbes Best in State list!
- [401(k) Rollovers Can Make or Break Retirement](https://ccrwealth.com/401k-rollovers/) - Coaches, understanding the value of rollovers is essential to preserving a secure & organized financial future.
- [Older Americans: Growing Targets of Financial Fraud](https://ccrwealth.com/older-americans-financial-fraud/) - Older generations grew up in a world where it was customary to be courteous and trusting. Unfortunately, this often puts them at greater risk for financial fraud.
- [Countdown to Retirement](https://ccrwealth.com/countdown-to-retirement/) - Many people age 50 and older haven't begun to save for retirement or have yet to accumulate sufficient funds. It’s not too late to take charge.
- [CCR Attended the Annual Worcester Women's Leadership Conference](https://ccrwealth.com/ccr-attended-the-annual-worcester-womens-leadership-conference/) - On May 4th, some of the brightest women of CCR attended the Annual Worcester Women's Leadership Conference!
- [CCR Earth Day Cleanup 2023](https://ccrwealth.com/ccr-earth-day-cleanup-2023/) - Every year, we take pride in celebrating Earth Day by cleaning the Lyman St Rail Trail.
- [Earth Day at CCR](https://ccrwealth.com/earth-day-at-ccr/) - We support the Regional Environmental Council in building a healthy and sustainable community.
- [CCR Locations](https://ccrwealth.com/ccr-locations/) - CCR is pleased to announce that, as we expand, we will be able to serve a broader area of the United States!
- [Congrats Vinny Palmerino on CFP Designation!](https://ccrwealth.com/congrats-vinny-palmerino-on-cfp-designation/) - We'd like to extend a huge congratulations to our Financial Consultant Vincenzo Palmerino, CFP®, who recently passed the CFP test!
- [Business Succession Considerations for Small Business Owners](https://ccrwealth.com/business-succession-considerations-for-small-business-owners/) - Small business owners, consider looking into business succession plans, which is aimed at maintaining the future health of businesses.
- [Umbrella Insurance](https://ccrwealth.com/umbrella-insurance/) - Financial Planner Amanda Hancock discusses what umbrella insurance is and the benefits it may yield to some clients. Watch the full video below!
- [The Rationale Behind Permanent Life Insurance](https://ccrwealth.com/the-rationale-behind-permanent-life-insurance/) - Term insurance premiums can be a significant expense; however, there may be instances where term insurance is the best choice.
- [Roth vs Traditional 401k](https://ccrwealth.com/roth-vs-traditional-401k/) - Retirement Consultant Mike Callahan reviews the differences between Roth and Traditional 401(k)s in our latest educational video.
- [Retirement Planning Does Not Stop in Retirement](https://ccrwealth.com/retirement-planning-does-not-stop-in-retirement/) - Unexpected costs, such as family emergencies, will occur in retirement... that's why your retirement planning needs to incorporate more than just investments.
- [Protecting Yourself From Identity Theft](https://ccrwealth.com/protecting-yourself-from-identity-theft/) - Identity theft is impossible to prevent completely. But there are a few strategies you can use to help prevent it.
- [How to Minimize Taxes During Market Downturns](https://ccrwealth.com/how-to-minimize-taxes-during-market-downturns/) - Market downturns could be a good time to adjust your fund portfolio to minimize the tax bite. Here’s how to calculate the best ways to do that – now and in the future.
- [Diversification & Small Business](https://ccrwealth.com/diversification-small-business/) - As a small business owner, there's a good chance that your diversification strategy may not work as you intended.
- [A Quick Look at Your Life Insurance Needs](https://ccrwealth.com/a-quick-look-at-your-life-insurance-needs/) - How much life insurance is enough? A general rule of thumb is to implement a “needs analysis", then design a plan to ensure that money will be available to meet those objectives.
- [April 2023 Market Outlook](https://ccrwealth.com/april-2023-market-outlook/) - A look into the current state of the market as of April 2023.
- [America's Changing Vision of Retirement](https://ccrwealth.com/americas-changing-vision-of-retirement/) - As you prepare and save for retirement, give some thought to the kind of retirement you envision for yourself.
- [Building Generational Wealth With Hard Assets](https://ccrwealth.com/building-generational-wealth-with-hard-assets/) - One of the most effective ways to build generational wealth can be through investing in hard assets that hold their value – and offer long-term growth potential.
- [Five Questions to Ask Before Retiring](https://ccrwealth.com/five-questions-to-ask-before-retiring/) - You might be thinking about retiring, but how do you know when you are really ready for it, mentally and financially?
- [CCR Listed on the Top DC Advisor Teams for 2022](https://ccrwealth.com/ccr-listed-on-the-top-dc-advisor-teams-for-2022/) - CCR Wealth Management is pleased to be listed again on the Top DC Advisor Teams for 2022!
- [Protect the MVP with Disability Insurance](https://ccrwealth.com/protect-the-mvp-with-disability-insurance/) - Coaches, being on the field is key to your team’s success. Having sufficient disability insurance could be key to your family’s success. When was the last time you reviewed your disability insurance?
- [2023 Annual Tax Guide](https://ccrwealth.com/2023-annual-tax-guide/) - Learn where your tax dollars go, some of the ways tax filing may look different, and what you can do to prepare.
- [Solidify Your Future with Disability Income Insurance](https://ccrwealth.com/solidify-your-future-with-disability-income-insurance/) - Have you considered how you'd pay your bills and daily expenses in the event of a disability?
- [Disability & Business Owners](https://ccrwealth.com/disability-business-owners/) - Learn how disability insurance can help protect you and your business!
- [What's My 2023 Tax Bracket?](https://ccrwealth.com/whats-my-2023-tax-bracket/) - Do you know what 2023 tax bracket you fall into? If not, find out using this guide.
- [Celebrating Black History Month: Be Healthy](https://ccrwealth.com/celebrating-black-history-month-be-healthy/) - Regularly checking your net worth helps you assess where you are, measure your progress toward your goals, and build a financial plan.
- [Support Black Businesses](https://ccrwealth.com/support-black-businesses/) - By supporting Black-owned businesses, you can show your support for the Black community while improving your local economy at the same time.
- [Protecting Your Financial Information Online](https://ccrwealth.com/protecting-your-financial-information-online/) - While nothing can guarantee complete safety against tracking, hacking, identity theft, phishing scams, and other cyberspace risks, understanding how to protect your privacy can help minimize your exposure to risk.
- [Millennials and Retirement: How Do You Stack Up?](https://ccrwealth.com/millennials-and-retirement-how-do-you-stack-up/) - If you’re a Millennial and not already contributing to a retirement account, consider starting now, especially if your employer offers a matching program.
- [Moving Your 401(k) to Roth IRA Tax-Free](https://ccrwealth.com/moving-your-401k-to-roth-ira-tax-free/) - When you retire, you can roll after-tax contribution money into a Roth IRA on a tax-free basis. But, there are some important caveats.
- [Assessing Your Retirement Resources](https://ccrwealth.com/assessing-your-retirement-resources/) - Will your retirement money come from Social Security, employer-sponsored plans, or personal retirement savings? Each offers important resources that can help you fund the lifestyle you seek in retirement.
- [January 2023 Market Outlook](https://ccrwealth.com/january-2023-market-outlook/) - While we look forward to 2024 as a Year of Normalization, as investors we recognize that plans are useless, but planning is essential.
- [Millennials & Retirement](https://ccrwealth.com/millennials-retirement/) - What unique challenges are millennials facing as their retirement years near? Financial Planning Associates Vincenzo Palmerino and Tim Ressler discuss these challenges as well as planning tips in their latest educational video.
- [Mortgage Psychology: What To Do & When](https://ccrwealth.com/mortgage-psychology/) - In their latest educational video, Financial Planning Associates Vincenzo Palmerino and Tim Ressler discuss Mortgage Psychology and how to best allocate resources when purchasing a home.
- [New Year's Financial Checklist](https://ccrwealth.com/new-years-financial-checklist/) - The start of the new year is a great time to recommit yourself to achieving your financial goals.
- [Are You Concerned You’ll Outlive Your Money?](https://ccrwealth.com/are-you-concerned-youll-outlive-your-money/) - Americans are living longer than ever, meaning your retirement could easily stretch to 30 years or more! By working with a CCR financial professional, you can prepare in three simple steps.
- [How to Protect Yourself While Helping Others](https://ccrwealth.com/how-to-protect-yourself-while-helping-others/) - Taking the proper precautions before donating to a cause ensures that your donations go to the people and organizations you want to help—and that you’re meeting both your personal and financial goals.
- [What To Do When Your Income Reaches 7 Figures](https://ccrwealth.com/what-to-do-when-your-income-reaches-7-figures/) - Has a recent financial event raised your net worth to the next level? Reach out to your CCR financial professional to review your account and next steps.
- [Use a DAF to Maximize Your Charitable Contributions](https://ccrwealth.com/use-a-daf-to-maximize-your-charitable-contributions/) - If you make regular financial contributions to charitable organizations and want to maximize the funds you already give, donating through a donor-advised fund (DAF) could be an option.
- [Social Security in Our Time](https://ccrwealth.com/social-security-in-our-time/) - Only 19 percent of people currently working have a written retirement strategy. Understand how Social Security fits into your retirement.
- [Insurance Protection for Life's Key Stages](https://ccrwealth.com/insurance-protection-key-stages/) - Life cycle planning helps identify insurance needs that are common to particular stages of life. This infographic may help individuals and families examine their insurance requirements in order to make future plans.
- [Life Insurance: Changing Times, Changing Needs](https://ccrwealth.com/life-insurance-changing-times-and-needs/) - Life insurance is just like any other piece of your financial puzzle. Explore how life insurance may relate to you via Judy in this case study!
- [[Whitepaper] Planning for a Special Needs Child](https://ccrwealth.com/planning-for-special-needs-child/) - Ensuring the best for your family starts young. Check out our latest whitepaper for information on how to protect a child with special needs.
- [Fostering a Child](https://ccrwealth.com/fostering/) - In the spirit of July's National Make a Difference to Children month, COO Amanda J. Hopkins discusses one way to make an impact on children in need through fostering.
- [Financial Care for Special Needs Children](https://ccrwealth.com/financial-care-special-needs/) - Parents of a special needs child may have never-ending concerns about their child’s care. How much do you know about financial planning for a special needs child? Test your knowledge with this short quiz.
- [Business Loans to Children: What Parents Should Know](https://ccrwealth.com/business-loans-to-children/) - Here are some things to consider when lending funds for your child’s business venture.
- [Guardianship for Your Children: A Look at the Issues](https://ccrwealth.com/guardianship-for-children/) - Selecting a guardian for your children is an extremely personal and important decision. Address these important financial issues before selecting a guardian.
- [Acquaint Grown Children with Your Financial Affairs](https://ccrwealth.com/financial-affairs/) - Awareness of important information, and knowing where to locate relevant documents, can help your grown children take appropriate and timely action if a sudden death or catastrophic illness were to occur.
- [Turning Monetary Gifts into Learning Experiences](https://ccrwealth.com/monetary-learning-experiences/) - Parents, consider using monetary gifts as a teaching opportunity. Helping your children learn how to be smart savers could be the best gift that you ever give them.
- [How to Estimate Retirement Expenses](https://ccrwealth.com/estimate-retirement-expenses/) - By estimating your expenses and taking steps to prepare, you can ensure an enjoyable retirement. Contact us today for more information.
- [A Primer on Irrevocable Life Insurance Trusts](https://ccrwealth.com/irrevocable-life-insurance-trusts/) - The irrevocable life insurance trust (ILIT) can be an important estate strategy tool that may accomplish a number of estate objectives; however, it may not be appropriate for every individual.
- [Addressing Care Options Now for Your Aging Parents](https://ccrwealth.com/care-for-aging-parents/) - If you haven’t yet, you should start to address elder care with your parents to make sure that they are comfortable in their later years. It’s never too early to start preparing for the responsibility of caring for parents.
- [Dealing with Elder Care Issues](https://ccrwealth.com/elder-care-issues/) - Plans created at age 65 often require a second look when seniors reach their late seventies, eighties, and nineties. If you have an aging parent or relative, look into these arrangements to address their concerns.
- [Elder Abuse & Estate Planning](https://ccrwealth.com/elder-abuse-estate-planning/) - Financial Planner Jon Lilja discusses elder abuse, estate planning, and the importance of POLST in his newest educational video.
- [A Step-by-Step Plan for Helping Your Parents](https://ccrwealth.com/helping-your-parents/) - The best plans for managing the finances of an older relative are made when that individual is still healthy. Addressing care options now for your aging parents will pay dividends for everyone! Learn more with this infographic:
- [A Woman's Guide to Long-Term Care](https://ccrwealth.com/a-womans-guide-to-long-term-care/) - Women face unique financial challenges as they age. Compared to men, women live longer, earn less, and spend fewer years in the workforce. If you're a woman or support a woman in your life, consider looking into LTC options.
- [Should You Name Irrevocable Beneficiaries?](https://ccrwealth.com/irrevocable-beneficiaries/) - One of the most important decisions you'll make is who will receive your assets and take over your estate. To help ensure your loved ones receive the assets you want them to have, you can name irrevocable beneficiaries.
- [Retirement Strategies for Millennials](https://ccrwealth.com/retirement-strategies-for-millennials/) - Retirement looks different now than it did for prior generations, and many Millennials worry that Social Security will not be available for them when they retire.
- [A Long-Term Opportunity: Home-Based Care](https://ccrwealth.com/home-based-care/) - Home-based care enables you or your loved one to remain at home, living independently but receiving needed support and assistance.
- [Building Wealth and Avoiding Taxes with Roth IRA](https://ccrwealth.com/building-wealth-and-avoiding-taxes-with-roth-ira/) - As you are building your wealth and saving for retirement, a Roth IRA could be a tax-advantaged solution for you to invest your money and boost your retirement savings.
- [IRS Makes Contribution Limit Changes for 2022](https://ccrwealth.com/irs-contribution-limit-changes-for-2022/) - The Internal Revenue Service announced that the amount individuals can contribute to their 401(k) plans in 2022 has increased to $20,500, up from $19,500 for 2021 and 2020.
- [The Biggest Financial Pressures Facing Retirees (& How to Plan for Them)](https://ccrwealth.com/financial-pressures-facing-retirees/) - Retirement benefits aren’t what they used to be, but there are actions you can take to get the most out of your existing benefits.
- [Adult Day Health Centers Benefit Older Adults and Their Caregivers](https://ccrwealth.com/adult-day-health-centers-benefit-older-adults-and-caregivers/) - November is National Alzheimer's Awareness Month. For caregivers, adult day services can be a welcome antidote to caregiver burnout, providing older adults with the care, stimulation, and socialization that corresponds with quality of life.
- [ID Theft: Be Prepared, Be Proactive.](https://ccrwealth.com/id-theft-be-prepared-be-proactive/) - What can you do to safeguard identity, credit card numbers and account information online?
- [ID Theft: How Does it Happen?](https://ccrwealth.com/identity-theft-how-does-it-happen/) - Familiarize yourself with the ways a thief might obtain your information with the intent to steal money or commit other crimes.
- [Long-Term Care Insurance Provides Relief for Caregivers](https://ccrwealth.com/long-term-care-insurance-provides-relief-for-caregivers/) - Adults who become their parents’ primary caregivers often assume considerable physical, emotional, and financial stress. When commitments become overwhelming, consider utilizing the following community services detailed below.
- [Alzheimer's and Long-Term Care](https://ccrwealth.com/alzheimers-and-long-term-care/) - While caring for someone with Alzheimer’s can be challenging, there are several options available to help you prepare for the level of care involved at various stages of the disease.
- [The Three Keys to a Great Password](https://ccrwealth.com/the-three-keys-to-a-great-password/) - A great password is often the only thing standing between you and identity theft. But what makes a password secure? Turns out, there are some important guidelines to follow to keep information safe.
- [What You Need to Know about Financial Fraud](https://ccrwealth.com/what-you-need-to-know-about-financial-fraud/) - November 14-20, 2021 is International Fraud Awareness Week. Speak to your trusted CCR financial professional about how you can protect yourself and your business from identity thieves and fraudsters.
- [Financial Planning for Veterans is Different](https://ccrwealth.com/financial-planning-for-veterans-is-different/) - Veterans require specific planning strategies due to certain VA benefits, insurance needs, and more. That's where CCR comes in.
- [Older Americans: Growing Targets of Financial Fraud](https://ccrwealth.com/older-americans-growing-targets-of-financial-fraud/) - Older Americans are growing targets of financial fraud. Learn common scams and how to protect yourself and your information.
- [Health Insurance: How’s Your Coverage?](https://ccrwealth.com/health-insurance-coverage/) - If you want to supplement your employer-provided coverage, or buy a complete health insurance package, here are some things you should consider.
- [Vets, Don't Miss Out on 'Hidden Benefits'](https://ccrwealth.com/vets-dont-miss-out-on-hidden-benefits/) - Many vets may be unaware that the VA offers life insurance—one of several substantial benefits for veterans and their families that you may never have heard of.
- [Your Security Online: Staying Ahead Of Hackers](https://ccrwealth.com/staying-ahead-of-hackers/) - By taking a few simple preventative steps, you can lessen the likelihood you’ll become a victim of hacking.
- [Five Financial Tips For New Parents](https://ccrwealth.com/five-financial-tips-for-new-parents/) - As a new parent, you may have considered the cost of having a child and the related increase in your regular expenses. But you may not have considered updating your financial strategy and reprioritizing how you spend and save your income.
- [October 2022 Market Outlook](https://ccrwealth.com/october-2022-market-outlook/) - The time is now to pivot portfolios that are still smack of yesteryear into more durable mediums of long-term growth.
- [Comparing 403b v Roth IRA](https://ccrwealth.com/comparing-403b-roth-ira/) - When deciding what types of retirement accounts you may need, it’s important to understand how your options compare. Take 403(b)s and Roth IRAs. Do you know how these two options compare and how you can contribute to each?
- [[Whitepaper] Is College Worth It?](https://ccrwealth.com/is-college-worth-it/) - Is college worth it? This whitepaper examines the costs and benefits of attending college today in hopes of helping families and young Americans make appropriate education-related choices for their futures.
- [Understanding the Estate Planning Process](https://ccrwealth.com/understanding-the-estate-planning-process/) - A well-structured estate plan can be invaluable. Through it, you can control the distribution of your assets and possessions, as well as name guardians for your children or plan care for other dependents.
- [Retirement Income Education](https://ccrwealth.com/retirement-income-education/) - Do you understand your retirement options? Working with a professional can help you understand the risk and reward associated with retirement strategies.
- [Financial Planning](https://ccrwealth.com/financial-planning-video/) - Learn how our planning process aligns your unique needs with your unique financial objectives. Let's work together to create a roadmap to your future goals!
- [Healthcare Planning](https://ccrwealth.com/healthcare-planning/) - Are you prepared for future healthcare costs? Watch this video to find out why it’s important to plan now for the high cost of healthcare in retirement.
- [Be Cyber Smart](https://ccrwealth.com/be-cybersmart/) - Phishing attacks use email or malicious websites to infect your machine with malware and viruses which collect personal and financial information.
- [Your Security Online: Recognizing Suspicious Content](https://ccrwealth.com/recognizing-suspicious-content/) - It’s important to stay safe online. Here’s a list of some of the common types of suspicious content and how to recognize it so you’re ready to navigate this tricky new reality.
- [June 2022 Market Outlook](https://ccrwealth.com/june-2022-market-outlook/) - The case for a near-term recession has been made incessantly in the media of late. While we believe that indicators like Consumer Sentiment, inflation the Federal Reserve’s aggressive attempts to correct a clear policy mistake have raised the odds of recession, we do not believe it is imminent in the near term. So, we will give a couple of points to bolster the other side of the argument.
- [A Look at Guardianship for Older Adults](https://ccrwealth.com/guardianship-for-older-adults/) - If incapacity occurs and there are no advance directives, is guardianship a viable option?
- [How Americans Spend and Save](https://ccrwealth.com/how-americans-spend-and-save/) - Put your spending and saving habits in perspective with this infographic, which depicts how Americans spend and save.
- [An Eye on Disability](https://ccrwealth.com/eye-on-disability/) - For those who depend on current earnings, future earning capacity may be their most valuable asset and the one least likely to be protected by insurance.
- [The Importance of Disability Income Insurance](https://ccrwealth.com/disability-income-insurance/) - Financial Consultant Dean Aita stresses the importance of disability income insurance. No matter your profession, it's in your best interest to protect your most significant asset: your income!

## Pages

- [Home](https://ccrwealth.com/) - At CCR Wealth Management, we leverage our deep knowledge and wide-ranging expertise to help you build a life of security and comfort.
- [Our Team](https://ccrwealth.com/about-us/team/) - Our Team Meet Our Team Our team of tight-knit, seasoned professionals leverages distinct backgrounds, credentials, and experience to build solid, customized plans and portfolios to help preserve and grow your capital. This 360° perspective and expertise offer the insight, resources, and responsiveness to take care of your financial needs at every life stage. Leadership Team
- [James Cawley - Bio](https://ccrwealth.com/james-cawley-bio/) - James Cawley, CFP® Financial Consultant Enjoys all things NBA and is an avid Celtics fan. Has family in San Francisco, New York and Boston. Favorite hike is Mt. Washington with an overnight stay at Lakes in the Clouds. 1800 West Park Dr, Suite 150, Westborough, MA 01581 Direct: 508-475-3887 Fax: 508-616-4431 Main Office: 508-475-3880 Email: jcawley@ccrwealth.com
- [Madison Upson - Bio](https://ccrwealth.com/madison-upson/) - Madison Upson Client Service Specialist holds a Bachelor of Science degree in Business Administration from Southern Connecticut State University joined CCR Wealth Management as a Client Service Specialist in 2022 loves hanging out at the beach, on the golf course, or spending time with her family Direct Line: 508-475-3837 / Fax: 860-317-9068 Main Line: 860-863-4155
- [Westborough Office](https://ccrwealth.com/westborough-office/) - CCR Westborough Office Westborough is our main location. The team comprises of... Team Members: Jonathan Albano, CFP® - Partner, Financial Planner Andrew Bonetti, CFP®, MBA - Financial Consultant Kerry Baratier, MSHRM, Human Resources Generalist David Borden - Managing Partner, Financial Consultant Glenda Bourque, Office Manager Kristin Branchaud - Client Service Specialist Danielle Drew, CFP®, CSLP®
- [Lynn Office](https://ccrwealth.com/lynn-office/) - CCR Lynn Office The Lynn team is comprised of... Team Members: Jessica Loughnane, Registered Administrative Assistant Colin McCarthy, CFP®, AIF®, Financial Consultant Brian Thomas, Financial Consultant Contact: 583 Chestnut St, Unit 6 Lynn, MA 01904 Phone: 781-496-3900 Fax: 781-780-6619 Map
- [Colin McCarthy - Bio](https://ccrwealth.com/colin-mccarthy-bio/) - Colin McCarthy, CFP®, AIF® Financial Consultant Enjoys traveling to Cape Cod Enjoys following financial market and economic trends 583 Chestnut St, Suite 6, Lynn, MA 01904 Direct: 781-780-5879 Fax: 781-469-1826 Office: 781-496-3900 Main Office: 508-475-3880 Email: cmccarthy@ccrwealth.com Colin McCarthy is a Financial Consultant at the Lynn location. He works closely with Brian Thomas to help individuals
- [Noah Kirby - Bio](https://ccrwealth.com/noah-kirby-bio/) - Noah Kirby Investment Assistant A passionate Boston sports fan 1800 West Park Drive, Suite 150, Westborough, MA 01581 Direct: 508-475-3808 Main Office: 508-475-3880 / Fax: 508-616-4431 Email: nkirby@ccrwealth.com Noah Kirby is an Investment Assistant at CCR, having joined the firm in April 2025. In his role, Noah works closely with colleagues to help manage all
- [Crystal Giannoulis - Bio](https://ccrwealth.com/crystal-giannoulis-bio/) - Crystal J. Giannoulis, QKA® Corporate Retirement Administrator enjoys hitting the beach with her husband and children loves CCR Wealth's team approach acts as a liaison between advisors, clients, product vendors and broker-dealer likes watching anime 1800 West Park Drive, Suite 150, Westborough, MA 01581 Office Phone: 508-475-3880 Direct Phone: 508-475-3854 Fax Line: 508-986-9454 Email: cgiannoulis@ccrwealth.com
- [Williamsville Office](https://ccrwealth.com/williamsville-office/) - CCR Williamsville (Buffalo) Office The Williamsville team consists of... Team Members: Justin Chatelle, CFP®, Financial Consultant Pat Madison, Financial Consultant With eight years of experience advising clients on all aspects of their financial lives, Justin brings a deep understanding of cash flow analysis, retirement planning, insurance, tax strategies, and estate planning. Before joining the team,
- [Clifton Park Office](https://ccrwealth.com/clifton-park-office/) - CCR Clifton Park Office The Clifton Park team is comprised of the former Empire Asset Management team, which merged into CCR in 2022. Team Members: Taylor Barnes, Financial Consultant Laura Fedor Brunetti, CFP®, Financial Consultant Davis Moeckel, Financial Consultant Lauren Roberts, WMS™, FPQP®, FACSC℠, Client Service Associate Contact: 6 Executive Park Drive, Suite A Clifton
- [Columbia Office](https://ccrwealth.com/columbia-office/) - CCR Columbia Office The Columbia team is comprised of the former Forward Financial team, which merged into CCR in 2023. Team Members: Blake Sellers, Financial Consultant Johnny Woodruff, Managing Director CCR Columbia & Registered Representative Bryan Wiltfong, Client Service Specialist Contact: 2415 Carter Lane, Suite 1 Columbia, MO 65201 Phone: 573-442-7076 Fax: 573-442-7068 Map
- [Contact](https://ccrwealth.com/contact-us/) - Contact Us Reach out to see how we can help you build Financial Security. Westborough, MA 1800 West Park Dr, Suite 150 Westborough, MA 01581 Phone: 508-475-3880 Toll Free: 866-818-7480 Fax: 508-616-4431 Map Washington Depot, CT 9 Bryan Hall Plaza Washington Depot, CT 06794 Phone: 860-868-6140 Toll Free: 866-818-7480 Fax: 860-868-6144 Map Southington, CT 72
- [Justin Chatelle - Bio](https://ccrwealth.com/justin-chatelle-bio/) - Justin Chatelle, CFP® Financial Consultant Justin is a passionate sports fan of the Buffalo Bills. An avid runner who regularly competes in 5Ks, 10Ks, and marathons! 5166 Main, Suite 302, Williamsville, NY 14221 Direct: 716-647-6309 Fax: 518-465-4504 Office: 518-579-6059 Main Office: 508-475-3880 Email: jchatelle@ccrwealth.com Justin is a Financial Consultant based in the Williamsville, NY office, where
- [Andrew Bonetti - Bio](https://ccrwealth.com/andrew-bonetti-bio/) - Andrew G. Bonetti, CFP®, MBA Partner, Financial Consultant can be found hiking with his dog and traveling with his wife can't get enough of Italy enjoys live music and skiing (not necessarily at the same time) enjoys helping younger clients plan for the future 1800 West Park Drive, Suite 150, Westborough, MA 01581 Direct: 508-475-3863
- [Lauren Roberts - Bio](https://ccrwealth.com/lauren-roberts-bio/) - Lauren M. Roberts, WMS™, FPQP®, FACSC℠ Client Service Associate has a dog named Mason holds the NYS Life, Accident and Health insurance license holds the FPQP® designation since November 2022 6 Executive Park Drive Suite A, Clifton Park, NY 12065 Direct Phone: 518-465-6447 Fax Line: 518-465-4504 Email: lroberts@ccrwealth.com Lauren Roberts joined CCR as a Client Service
- [Johnny Woodruff - Bio](https://ccrwealth.com/johnny-woodruff-bio/) - Johnny Woodruff Managing Director of Columbia Office, Financial Consultant enjoys traveling with his wife Katherine is the Vice President of the Mid-Missouri Estate Planning Council is an active member of CCR's Advisory Committee 2415 Carter Lane, Unit 1, Columbia, MO 65201 Direct: 573-208-1884 Fax: 573-828-4212 Office: 573-442-7076 Main Office: 508-475-3880 Email: jwoodruff@ccrwealth.com Johnny Woodruff is
- [Kerry Wilcox - Bio](https://ccrwealth.com/kerry-baratier-bio/) - Kerry Wilcox, MSHRM Human Resources Generalist In her free time, she enjoys drawing pet portraits. Can play the trombone! Brings a thoughtful, people-first approach to her work. 1800 West Park Drive, Suite 150, Westborough, MA 01581 Direct: 508-475-3830 Office: 508-475-3880 Fax: 508-616-4431 Email: kbaratier@ccrwealth.com Kerry Wilcox is a Human Resources Generalist, bringing a strong foundation in
- [Laura Fedor Brunetti - Bio](https://ccrwealth.com/laura-brunetti-bio/) - Laura Brunetti, CFP® Financial Consultant enjoys exploring the Adirondacks with her husband has been a CFP since 2000 passionate about helping women achieve their financial goals at any stage of life 6 Executive Park Drive, Suite A, Clifton Park, New York 12065 Direct: 518-630-5620 Fax: 518-465-4504 Office: 518-465-6447 Main Office: 508-475-3880 Email: lbrunetti@ccrwealth.com Laura Brunetti
- [John Maher - Bio](https://ccrwealth.com/john-maher-bio/) - John P. Maher, Chartered Financial Analyst Chief Investment Officer, Financial Consultant puts his CFA training in research techniques and economics to work for investors can often be found mountain biking or hiking appreciates the close-knit culture at CCR hosts the quarterly CCR Market Update 1800 West Park Drive, Suite 150, Westborough, MA 01581 Direct: 508-926-2472
- [David Borden - Bio](https://ccrwealth.com/david-borden-bio/) - David A. Borden Managing Partner, Financial Consultant is CCR Wealth's managing partner prefers the summer holds Series 7, 63, 65 securities registrations enjoys travelling with his wife and two daughters supports non-profits with his 20+ years of wealth management expertise 1800 West Park Dr, Suite 150, Westborough, MA 01581 Direct: 508-926-2330 Fax: 508-926-2335 Office: 508-475-3880
- [Steven Tillona Bio](https://ccrwealth.com/steven-tillona-bio/) - Steven Tillona, CPA, CWS®, AIF Financial Consultant Has a love and passion for baseball, playing in college and several years later as a member of the Connecticut Fast-Pitch A member of the Farmington Country Club where is an active golfer and past Treasurer Has an interest, both charitable and monetary, in supporting children's health organization
- [Brian Thomas - Bio](https://ccrwealth.com/brian-thomas-bio/) - Brian Thomas Financial Consultant graduated from University of Massachusetts - Amherst in 1995 competes in local triathlon events with his wife 583 Chestnut Street, Suite 6, Lynn, MA 01904 Direct: 781-519-0461 Fax: 781-469-1826 Office: 781-496-3900 Main Office: 508-475-3880 Email: bthomas@ccrwealth.com Meet Brian, a dedicated professional with a diverse background that includes experience at two Fortune
- [Blake Sellers - Bio](https://ccrwealth.com/blake-sellers-bio/) - Blake Sellers Financial Consultant Favorite conversation starter is "what are you excited about right now?" Loves to travel! His favorite place in the world is Tad Kuangsi in Laos. Loves sports, mainly golf, football, basketball, and baseball. 2415 Carter Lane, Suite 1, Columbia, MO 65201 Direct: 573-615-2390 Fax: 573-828-4212 Office: 573-442-7076 Main: 508-475-3880 Email: bsellers@ccrwealth.com Blake
- [Vincenzo Palmerino - Bio](https://ccrwealth.com/vincenzo-palmerino-bio/) - Vincenzo Palmerino, CFP® Financial Consultant enjoys spending time with his wife Brittany, son Matteo, and daughter Madison Can't get enough of anything and everything Boston sports Can be found: at Patriots games with his family and friends 1800 West Park Drive, Suite 150, Westborough, MA 01581 Direct: 508-475-3855 Fax: 508-475-3866 Office: 508-475-3880 Email: vpalmerino@ccrwealth.com
- [Davis Moeckel - Bio](https://ccrwealth.com/davis-moeckel-bio/) - Davis Moeckel Financial Consultant enjoys the outdoors through running, mountain biking and playing frisbee with his Australian Shepard Personal goals include becoming part of the local community to build lasting and nurturing relationships around him 6 Executive Park Drive, Suite A, Clifton Park, New York 12065 Direct: 518-579-6990 Fax: 518-465-4504 Office: 518-465-6447 Main Office: 508-475-3880
- [Patrick Madison - Bio](https://ccrwealth.com/patrick-madison-bio/) - Patrick Madison Financial Consultant is active in his community holds Series 6, 7, 63, and 65 securities registrations touts more than 22 years of expertise in the financial services industry 5166 Main, Suite 302, Williamsville, NY 14221 Direct: 518-630-5190 Fax: 518-465-4504 Office: 518-579-6059 Main Office: 508-475-3880 Email: pmadison@ccrwealth.com Patrick Madison is a highly experienced Financial
- [Jack McGauley - Bio](https://ccrwealth.com/jack-mcgauley-bio/) - Jack McGauley, CFP® Financial Consultant Is belay certified and enjoys outdoor rock climbing in Rumney, NH Has two cats named Milo and Caspian Knows the best place in Boston for all-you-can-eat sushi 1800 West Park Dr, Suite 150, Westborough, MA 01581 Direct: 508-964-8014 Fax: 508-986-7500 Office: 508-475-3880 Email: jmcgauley@ccrwealth.com Jack McGauley is a Financial Consultant for
- [Justin Giuliano - Bio](https://ccrwealth.com/justin-giuliano-bio/) - Justin Giuliano, CFP® Financial Consultant enjoys traveling enjoys spending time with family holds his Series 6, 63, 7, 66 Securities Registrations, as well as Life and Health Insurance licenses 1800 West Park Dr, Suite 150, Westborough, MA 01581 Direct: 508-475-3806 Fax: 508-475-3883 Office: 508-475-3880 Email: jgiuliano@ccrwealth.com Justin is a Certified Financial Planner® and Financial
- [Taylor Barnes - Bio](https://ccrwealth.com/taylor-barnes-bio/) - Taylor Barnes Financial Consultant Has traveled to over 15 different countries. Reads over 75 books each year. Proud aunt of 4 nieces and nephews. 6 Executive Park Drive, Suite A, Clifton Park, NY 12065 Direct: 518-290-6175 Fax: 518-465-4504 Office: 518-465-6447 Main Office: 508-475-3880 Email: tbarnes@ccrwealth.com Taylor is a Financial Consultant in CCR's Upstate New York office.
- [Dean Aita - Bio](https://ccrwealth.com/dean-aita-bio/) - Dean M. Aita, CFP® Financial Consultant enjoys reading, tennis, skiing, traveling active Knights of Columbus member and has served as Trustee of Our Lady of Perpetual Help Parish formerly sat on the investment committee of the Connecticut Community Foundation 9 Bryan Hall Plaza, P.O. Box 180, Washington Depot, CT 06794 Direct: 860-868-6140 Fax: 860-868-6144 Office: 860-868-6140
- [Richard Moore - Bio](https://ccrwealth.com/rich-moore-bio/) - Richard T. Moore Jr., AIF®, CPFA, C(k)P® Financial Consultant earned the Accredited Investment Fiduciary® professional designation from the Center for Fiduciary Studies loves taking his son to Disney for a surprise weekend adventure founded a nonprofit to support youth baseball enjoys watching local professional sports teams 1800 West Park Drive, Suite 150, Westborough, MA 01581
- [Mike Rousseau - Bio](https://ccrwealth.com/mike-rousseau-bio/) - Michael A. Rousseau, CFP® Financial Planner works with and understands challenges for business owners & medical professionals coaches his son's peewee soccer team runs 5Ks throughout the year and sometimes even enters a triathlon 1800 West Park Dr, Suite 150, Westborough, MA 01581 Direct: 508-475-3858 Fax: 508-983-9453 Office: 508-475-3880 Email: mrousseau@ccrwealth.com A Certified Financial Planner® professional
- [Amanda J Hopkins - Bio](https://ccrwealth.com/amanda-j-hopkins-bio/) - Amanda Hopkins, MBA Chief Operating Officer finished her MBA in two years while working full time serves as an emergency foster mom volunteers for Boxer Rescue enjoys watching her son play football and lacrosse 1800 West Park Dr, Suite 150, Westborough, MA 01581 Direct: 508-926-2401 Fax: 508-926-2398 Office: 508-475-3880 Email: ajhopkins@ccrwealth.com Amanda Hopkins is the
- [Jonathan Albano Bio](https://ccrwealth.com/jon-albano-bio/) - Jonathan M. Albano, CFP® Partner, Financial Planner spends his weekends watching his kids play sports actually likes working on his lawn as long as he is listening to Bruce Springsteen serves on the board of trustees for the Stevens Estate enjoys a reuben sandwich or steak tips on cheat days 1800 West Park Dr, Suite
- [Mark Palmerino - Bio](https://ccrwealth.com/mark-palmerino-bio/) - Mark H. Palmerino, AIF® Partner, Financial Consultant can be found golfing or boating in the summer and skiing in the winter cheers for Cornell on the gridiron often hosts friends visiting from around the world is the world's best grandpa 1800 West Park Drive, Suite 150, Westborough, MA 01581 Direct: 508-926-2259 Fax: 508-926-2351 Office: 508-475-3880
- [Stuart Office](https://ccrwealth.com/stuart-office/) - CCR Stuart Office Contact: 1000 SE Monterey Commons Boulevard, Suite 302 Stuart, FL 34996 Phone: 508-475-3880 Toll Free: 866-818-7480 Fax: 508-616-4431 Map
- [Washington Depot Office](https://ccrwealth.com/washington-depot-office/) - CCR Washington Depot Office The Washington Depot team consists of... Team Members: Dean Aita, CFP®- Financial Consultant Robin Hirschfield - Insurance Administrator Contact: 9 Bryan Hall Plaza Washington Depot, CT 06794 Phone: 860-868-6140 Toll Free: 866-818-7480 Fax: 860-868-6144 Map
- [Destiny Orozco - Bio](https://ccrwealth.com/destiny-orozco-bio/) - Destiny Orozco Client Services Associate Has two dogs named Papa and Layla Loves to travel! Loves to cook! 1800 West Park Drive, Suite 150, Westborough, MA 01581 Direct Phone: 508-986-9825 Office: 508-475-3880 Fax Line: 508-616-4431 dorozco@ccrwealth.com Destiny joined CCR Wealth Management in August 2025 as a Client Services Associate. Her prior experience was at a
- [Bryan Wiltfong - Bio](https://ccrwealth.com/bryan-wiltfong-bio/) - Bryan Wiltfong Client Services Specialist was born on Christmas day a proud supporter of local non-profits can be found traveling, listening to live music, or at sporting events in his free time 2415 Carter Lane Unit 1, Columbia, MO 65201 Office Phone: 573-442-7076 Fax: 573-828-4212 Main: 508-475-3880 Email: bwiltfong@ccrwealth.com Bryan Wiltfong joined CCR as a Client Services
- [Jessica Loughnane - Bio](https://ccrwealth.com/jessica-loughnane-bio/) - Jessica Loughnane Registered Administrative Assistant is an avid reader can often be found enjoying the outdoors 583 Chestnut St, Suite 6, Lynn, MA 01904 Direct: 781-780-6619 Main: 781-496-3900 Fax: 781-469-1826 Email: jloughnane@ccrwealth.com Meet Jessica, a highly accomplished Registered Administrative Assistant based in the North Shore office of CCR. Jessica's passion for the financial services industry
- [Employment Opportunities](https://ccrwealth.com/employment-opportunities/) - Employment Opportunities CCR is always looking to add exceptional talent to our team. If you are interested in a position listed below, please apply in BambooHR using the links below. Interested?Let's Get in Touch. Our Financial Team has years of combined experience, and we'd love for you to join. Reach out today. Check Out the
- [Glenda Bourque - Bio](https://ccrwealth.com/glenda-bourque-bio/) - Glenda Bourque Office Manager Obtained her Bachelor of Fine Arts degree in Spanish language In her free time, Glenda loves honing her musical and artistic skills! Previous experience is based in medical device, legal, and market research fields. 1800 West Park Drive, Suite 150, Westborough, MA 01581 Direct: 508-475-3836 Office: 508-475-3880 Fax: 508-616-4431 Email: gbourque@ccrwealth.com Glenda
- [Jessy Torres - Bio](https://ccrwealth.com/jessy-torres-bio/) - Jessy Torres Client Service Manager is known for her attention to detail has two sisters she is super close with is active in her church and community enjoys spending time with her daughter 1800 West Park Drive, Suite 150, Westborough, MA 01581 Direct Phone: 508-475-3857 Fax Line: 508-475-3897 Email: jtorres@ccrwealth.com Jessy Torres is a Client
- [Kate Kallin - Bio](https://ccrwealth.com/kate-kallin-bio/) - Katie-Lee A. Kallin Client Service Specialist loves rain, snow, and the view from her office tries to anticipate client needs before they know they have them always calls clients back immediately can be heard cheering for the Red Sox Direct Phone: 508-475-3803 Fax Line: 508-475-3903 kkallin@ccrwealth.com Kate Kallin is a Client Services Specialist with
- [Katie Prevendoski — Bio](https://ccrwealth.com/katie-prevendoski-bio/) - Katie Prevendoski Client Service Specialist Chairperson for the Round Lake Antiques & Vintage Festival, which been going on for over 50 years A fan of the Steelers and Yankees Enjoys sewing, crafting and spending time with her son, DeKorie 6 Executive Park Drive Suite A, Clifton Park, NY 12065 Tel: 518-579-6059 Fax: 518-430-3044 Email: kprevendoski@ccrwealth.com
- [Southington Office](https://ccrwealth.com/southington-office/) - CCR Southington Office The Southington team consists of... Team Members: Devi Singh - Marketing Generalist Madison St. John - Client Service Specialist Steven Tillona, CPA, CWS®, AIF - Financial Consultant Contact: 72 Queen Street Southington, CT 06489 Phone: 508-475-3880 / 860-863-4155 Toll Free: 866-818-7480 Fax: 508-616-4431 Map
- [Chloe Gu - Bio](https://ccrwealth.com/chloe-gu-bio/) - Chloe (Shiqi) Gu, Chartered Financial Analyst Senior Investment Consultant was born, raised and educated in Shanghai, China works on portfolio modelling and monitoring holds degrees from Shanghai University and Clark University speaks Mandarin 1800 West Park Dr, Suite 150, Westborough, MA 01581 Direct Phone: 508-475-3825 Fax Line: 508-475-3885 cgu@ccrwealth.com Shiqi (Chloe) Gu works with
- [Our Clients](https://ccrwealth.com/about-us/our-clients/) - Our Clients Our First Priority is You Most companies start and stop with "About Us," but at CCR Wealth, we know that understanding YOUR story is just as important. This is why we let your goals and dreams direct our strategies. We individualize each approach based on who you are and where you want your
- [About CCR](https://ccrwealth.com/about-us/) - About Us What Matters to You, Matters to Us CCR Wealth Management is a full-service fiduciary firm, where you can expect to find comprehensive solutions for all your financial concerns. Beyond providing highly personalized service and specialized advice, we also care deeply about our clients, our community, and the things that are important to them.
- [Our Process](https://ccrwealth.com/how-we-help-our-clients/) - Our Personalized Process A Client-Centered Approach We asked our clients how they would describe the CCR Wealth Management process. Their responses? Personalized. Goal-driven. Adaptable. Disciplined. But what do these words all have in common? They're all focused around you. We apply time-tested principles to a client-centered process, resulting in a personalized plan that's executed with
- [Life Transitions](https://ccrwealth.com/life-transitions/) - Life Transitions When critical life events affect your future...CCR is a team you can trust. "Am I going to be okay?" We find that most people are overwhelmed in times of transition. This is especially true when dealing with the death or sickness of a loved one. CCR Wealth Management has developed a process to
- [Group Insurance Plans](https://ccrwealth.com/group-health/) - Group Insurance Plans A Smart Investment in Your Employees and Business As a business owner, you understand that investing in your employee's health and well-being is an investment in your business. And we understand how important it is for you to provide the best benefits to your employees while making sure that your business gets
- [Corporate Retirement Plans](https://ccrwealth.com/corporate-retirement/) - Corporate Retirement Plans Now Is the Time to Plan for Retirement Maximize your business's potential and help your employees plan better for retirement. No matter where you and your company are, CCR Wealth can help your business's future and your employees' retirement plans. We will work with you to align your goals, your employees' goals
- [Business & Personal Financial Coordination](https://ccrwealth.com/business-personal/) - Business & Personal Financial Coordination Enjoy the Financial Rewards of your Hard Work We understand what it took to turn an idea into a successful business - that rare combination of tenacity and talent. As small business specialists, we can understand the unique challenges you face. Your goals are our guide in providing objective advice,
- [Insurance Strategies](https://ccrwealth.com/insurance/) - Insurance Strategies ...including considerations for your estate and business plans. Personalized Guidance for Your Peace of Mind Having appropriate insurance coverage ensures that your family will be provided for. The right coverage can protect your family and legacy by providing for needs like college and retirement, helping to settle debt and the transition of your
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- [H4-R5](https://ccrwealth.com/fl-builder-template/h4-r5/)
- [H4-R4](https://ccrwealth.com/fl-builder-template/h4-r4/)
- [H4-R3](https://ccrwealth.com/fl-builder-template/h4-r3/)
- [H4-R2](https://ccrwealth.com/fl-builder-template/h4-r2/)
- [H4-R1](https://ccrwealth.com/fl-builder-template/h4-r1/)
- [H3-R8](https://ccrwealth.com/fl-builder-template/h3-r8/)
- [H3-R7](https://ccrwealth.com/fl-builder-template/h3-r7/)
- [H3-R6](https://ccrwealth.com/fl-builder-template/h3-r6/)
- [H3-R5](https://ccrwealth.com/fl-builder-template/h3-r5/)
- [H3-R4](https://ccrwealth.com/fl-builder-template/h3-r4/)
- [H3-R3](https://ccrwealth.com/fl-builder-template/h3-r3/)
- [H3-R2](https://ccrwealth.com/fl-builder-template/h3-r2/)
- [H3-R1](https://ccrwealth.com/fl-builder-template/h3-r1/)
- [H2-R5](https://ccrwealth.com/fl-builder-template/h2-r5/)
- [H2-R4](https://ccrwealth.com/fl-builder-template/h2-r4/)
- [H2-R3](https://ccrwealth.com/fl-builder-template/h2-r3/)
- [H2-R2](https://ccrwealth.com/fl-builder-template/h2-r2/)
- [H2-R1](https://ccrwealth.com/fl-builder-template/h2-r1/)
- [H1-R9](https://ccrwealth.com/fl-builder-template/h1-r9/)
- [H1-R8](https://ccrwealth.com/fl-builder-template/h1-r8/)
- [H1-R7](https://ccrwealth.com/fl-builder-template/h1-r7/)
- [H1-R6](https://ccrwealth.com/fl-builder-template/h1-r6/)
- [H1-R5](https://ccrwealth.com/fl-builder-template/h1-r5/)
- [H1-R4](https://ccrwealth.com/fl-builder-template/h1-r4/)
- [H1-R3](https://ccrwealth.com/fl-builder-template/h1-r3/)
- [H1-R2](https://ccrwealth.com/fl-builder-template/h1-r2/)
- [H1-R1](https://ccrwealth.com/fl-builder-template/h1-r1/)
- [Homepage 10](https://ccrwealth.com/fl-builder-template/homepage-10/)
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- [Homepage 7](https://ccrwealth.com/fl-builder-template/homepage-7/)
- [Homepage 6](https://ccrwealth.com/fl-builder-template/homepage-6/)
- [Homepage 5](https://ccrwealth.com/fl-builder-template/homepage-5/)
- [Homepage 4](https://ccrwealth.com/fl-builder-template/homepage-4/)
- [Homepage 3](https://ccrwealth.com/fl-builder-template/homepage-3/)
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- [Homepage 1](https://ccrwealth.com/fl-builder-template/homepage-1/)
- [1 Column - Fixed - Logo Grid](https://ccrwealth.com/fl-builder-template/1-column-fixed-logo-grid/)
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- [4 column - Full - Number Counter](https://ccrwealth.com/fl-builder-template/4-column-full-number-counter/)
- [Hero - Full W - Testimonial Slider + Team](https://ccrwealth.com/fl-builder-template/hero-full-w-testimonial-slider-team/)
- [3 column - fixed - callout](https://ccrwealth.com/fl-builder-template/3-column-fixed-callout/)
- [3 Column - Fixed - Text with image backgrounds](https://ccrwealth.com/fl-builder-template/3-column-fixed-text-with-image-backgrounds/)
- [1 Column - Fixed - Heading](https://ccrwealth.com/fl-builder-template/1-column-fixed-heading/)
- [Hero - Full HW - Button right](https://ccrwealth.com/fl-builder-template/hero-full-hw-button-right/)
- [3 Column - Fixed - Team](https://ccrwealth.com/fl-builder-template/3-column-fixed-team/)
- [Hero Parallax - Full W - 4 col. callout](https://ccrwealth.com/fl-builder-template/hero-parallax-full-w-4-col-callout/)
- [2 Column - Fixed - Subscrbe and Testimonial Slider](https://ccrwealth.com/fl-builder-template/2-column-fixed-subscrbe-and-testimonial-slider/)
- [1 Column - Fixed - Advanced Tabs](https://ccrwealth.com/fl-builder-template/1-column-fixed-advanced-tabs/)
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- [Hero - Full W - Posts Carousel](https://ccrwealth.com/fl-builder-template/hero-full-w-posts-carousel/)
- [2 Column - Fixed - Testimonials](https://ccrwealth.com/fl-builder-template/2-column-fixed-testimonials/)
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- [Gallery - Fixed](https://ccrwealth.com/fl-builder-template/gallery-fixed/)
- [Hero Parallax - Full W - Button](https://ccrwealth.com/fl-builder-template/hero-parallax-full-w-button/)
- [Hero Video - Full HW - Heading](https://ccrwealth.com/fl-builder-template/hero-video-full-hw-heading/)
- [Hero - Parallax - Button](https://ccrwealth.com/fl-builder-template/hero-parallax-button/)
- [3 Column Fixed - Icon Callouts](https://ccrwealth.com/fl-builder-template/3-column-fixed-icon-callouts/)
- [2 Column Full - Photo Left - Dual Button Right](https://ccrwealth.com/fl-builder-template/2-column-full-photo-left-dual-button-right/)
- [Smart banner 3](https://ccrwealth.com/fl-builder-template/smart-banner-3/)
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- [Call to action 4](https://ccrwealth.com/fl-builder-template/call-to-action-4/)
- [Services layout 11 - 3](https://ccrwealth.com/fl-builder-template/services-layout-11-3/)
- [Call to action 6](https://ccrwealth.com/fl-builder-template/call-to-action-6/)
- [Call to action 3](https://ccrwealth.com/fl-builder-template/call-to-action-3/)
- [Testimonials 8](https://ccrwealth.com/fl-builder-template/testimonials-8/)
- [Testimonials 7](https://ccrwealth.com/fl-builder-template/testimonials-7/)
- [Team 3](https://ccrwealth.com/fl-builder-template/team-3/)
- [Team 4](https://ccrwealth.com/fl-builder-template/team-4/)
- [Testimonials 1](https://ccrwealth.com/fl-builder-template/testimonials-1/)
- [Services layout 2 - 2](https://ccrwealth.com/fl-builder-template/services-layout-2-2/)
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- [Testimonials 3](https://ccrwealth.com/fl-builder-template/testimonials-3/)
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- [Contact form 6](https://ccrwealth.com/fl-builder-template/contact-form-6/)
- [Contact form 5](https://ccrwealth.com/fl-builder-template/contact-form-5/)
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