dont get rid
Don’t Get Rid of Dividend-Paying Stocks Just Yet

Since the beginning of the year, economists and pundits seem united in the belief that economic growth will continue to contract, propelling inflation and interest rates to levels that we haven't seen in years. When the Federal Reserve lifts the fed funds rate again – likely on the way to 4.00% – holders of CDs and money market funds will likely benefit.

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Five Questions to Ask As You Consider Retiring

You might be thinking about retiring, but how do you know when you are really ready for it, mentally and financially? For decades, the normal retirement age was 65. This was when you became eligible for Social Security and Medicare. But things are different today

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Inflation: The Not-So-Silent Retirement Killer

You hear it all the time: you should make sure your retirement savings at least keep pace with inflation. But what is inflation and how does it really affect your retirement savings? Let’s explore.

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How a Financial Plan Helps You Endure Market Volatility

Your portfolio may be designed to give you the best chance of achieving your financial goals. Unfortunately, the market doesn’t care about your risk tolerance or your goals.

Market Insights - September 9, 2022

Wall Street snaps three week losing streak as the Fed suggest inflation might be moderating and oil prices decline again.

Marketing Insights - September 2, 2022

The week brought us the end of August, but it didn’t matter as equities retreated just about every day this week, closing the month of August and the week with big  losses – the third consecutive week of healthy declines.

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Home Builder Confidence Falls for 8th Straight Month – Signs of a Recession

Every month, the National Association of Home Builders gauges builder perceptions of current single-family home sales and sales expectations for the next six months as “good,” “fair” or “poor.” Scores for each component are then used to calculate an index where any number over 50 indicates that more builders view conditions as good than poor.

How a family limited partnership is used in estate planning

Families with significant or fast-growing assets are often concerned about minimizing estate taxes, protecting assets against creditors, and succession planning. One estate planning tool used by many families to address these concerns is a family limited partnership ("FLP"). 

Author Gary Sancilio
It’s Only Human: How Behavioral Patterns Impact Financial Plans

After 30 years as both a financial coach and a lawyer, I’ve learned a lot about human nature. People often don’t get real until we set the spreadsheets aside. Money talks, but it also triggers deeply ingrained behaviors and assumptions. Becoming aware of those behaviors (so that they work for and not drive us) is the foundation of sound decision-making, financial or otherwise.

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Market Update – Russia and Ukraine

As most are now aware by now, Russia launched a large-scale invasion of Ukraine—one of the most significant geopolitical events in decades. As we reflect on the news, we are primarily concerned about the countless innocent lives that will inevitably be impacted by this war.

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Teach Your Children Well; Cultivating Values-based Financial Fluency

To set your heirs up for success, craft a practicable plan for passing down life and work skills – attitudes and attributes – as well as wealth.

Succession Planning: It’s Not All About You

Succession planning takes the skills and experience that made you successful in the first place and focuses them on what your business and business heirs need to thrive in a changing world.

Family Planning
Stop Calling It “Estate” Planning When it’s Actually Family Planning

The most successful estate plans are driven by who and what matters most to you, rather than by tax strategies.

Robert Canterbury Interviewed by WTEN in their Money Mondays Segmen

It's been a rough start of the year for the stock market and it could get worse. The federal reserve has projected it will raise interest rates three times this year to curb inflation.

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Albany Business Review interviews Ron Guzior and Gary Sancilio About Forming a New Company

BST & Co. CPAs has created a new wealth management division called Affinity BST Advisors following a merger between BST Wealth Management LLC and The Affinity Group, a boutique wealth management firm.

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Strategies for Personal Philanthropy

As we head toward the holiday season, many people start thinking about year-end planning and giving back to their favorite charities. It occurred to me that this is not the only time of year people should think about doing good for others.

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Announcing Affinity BST Advisors and It's Meaning

Affinity BST Advisors, LLC. introduces a new partnership, and a new brand. Entrepreneurs of a better way to ensure your family’s financial health for generations. We are transforming the model for financial planning.