How the New Jersey State Police are Being Cheated

June 30th, 2020

Let me be clear… When I say LEGAL THEFT, I am referring to LIMITING retirement plan participants to choose from HIGH COST INVESTMENT OPTIONS, as opposed to offering LOW-COST investment alternatives. (The difference = legal theft) The SEC even acknowledges that fees & expenses affect your investment portfolio. These fees may seem small, but over […]

The Myth Of The Rich Doctor – Get Your FREE Copy

June 29th, 2020

FOREWORD & AFTERWORD by Joseph Vecchio CPA, CFP®, MBA GET YOUR FREE COPY HERE: (midway in page) When I met my wife Colleen, she was pursuing her professional dream, making a positive difference for children with special needs and their families. She was in graduate school at New York University, training to become an Occupational […]

Why Hire A Fee-Only Financial Advisor?

June 26th, 2020

There’s a lot of confusion and misinformation out there about how financial planners are paid for the services that they provide. Compensation models are more important in the financial planning industry than in many other fields, because the structure used can have a significant impact on the objectivity and quality of the financial advice given […]

Who is looking out for the BEST INTERESTS of the RWJBarnabas Medical Community?

June 18th, 2020

PART 2 – Analyzing The Investment Options a Financial Salesperson has Chosen For YOU (DO IT YOURSELF OPTIONS) if you missed read PART 1 NOT ALL RETIREMENT PLANS ARE EQUAL My assessment of the WJBarnabas Health Retirement Savings Plan is that this plan best serves the person/firm that sold this plan than to its participants. […]

How Medical Professionals of RWJBarnabas are being cheated

June 17th, 2020

PART 1 (TARGET DATE FUND INVESTMENT OPTIONS) My analysis of the RWJBarnabas Health Retirement Savings Plan I am committed to serving those to help others. One small way I can give back to our medical community is providing an objective look at the retirement plans that are healthcare heroes are offered. Retirement plans (401k & […]

Why is Wall Street Taking Advantage of Our Medical Heroes/Angels???

June 16th, 2020

In light of all the insanity that COVID has inflicted on our medical community you would think that Wall Street would lend a helping hand… As the Federal Reserve bails out the financial industry, the BIG BANKSTERS continue LEGALLY STEAL from hardworking medical professionals. What do I mean by LEGALLY STEAL. Simple. They force bad […]


April 22nd, 2020

In every crisis, good people do great things and bad people, well, they do some really, really bad things. This letter is about protecting yourself from the bad people. Never in my career have I seen so many scams in motion all at once. Crooks tend to step up their game in times of crisis. […]

Plan First Then Invest

April 21st, 2020

First Plan, Then Invest Your financial plan is primary and dictates every part of your financial life, including investments. The plan tells us your goals, your current resources, your expected future resources, and your cash needs. From this basis, and only this basis, can we start making investment decisions. Before investing one cent in the […]

7 Steps to Financial Independence

April 17th, 2020

#1 – START FROM THE END Stephen Covey, author of The Seven Habits of Highly Effective People, often stresses the importance of beginning any project with the end in mind. What does this mean for you, as someone who wants to ensure a safe and secure financial future? It means that you should start by […]

7 Steps To Financial Independence (step#2)

April 13th, 2020

Save Early “When should I start saving for retirement?” That’s a question I hear frequently, and my answer is always the same: TODAY!!! Regardless of how old you are, the best time to start saving is now. Concerned that you can’t afford to save? Sometimes people feel that it is not worth saving anything if […]