Best Way to Protect Your Identity

How to protect yourself from would-be identity thieves Credit freezes are better than credit monitoring, or anything else Freeze Your Credit ASAP Freezing your credit with all three major credit bureaus is the single most important thing you can do to protect yourself against identity theft and stop criminals from opening lines of credit in […]

How the New Jersey State Police are Being Cheated

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

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?

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 […]

How Medical Professionals of RWJBarnabas are being cheated

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 & […]


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

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 […]

Financial Checkup with stethoscope wrapped around pink piggy bank

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