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On Balance. We Offer You More. SM&L provides a full range of services to clients in Connecticut, Massachusettss, Rhode Island, New York, California and Florida; we also provide consulting services on a national basis.

Financial Tips


Congrats, grad! Now develop good financial habits.

July 1, 2018 - Financial Tip of the Month

The pros and cons of paying off credit cards with a HELOC

March 1, 2018 - No more late payment fees because you missed one.

Tapping your retirement account early? Consider these factors

January 5, 2018 - The best way to avoid penalties is to understand the rules around retirement account withdrawals.

How to slash student loan debt

December 7, 2017 - With smart financial management, graduates can liquidate their college debt in a reasonable time, freeing up cash for other priorities.

When fully funding your 401(k) isn't the best option

March 9, 2017 - Save regularly for retirement, but take a hard look at your overall financial situation before maxing out contributions to your company's 401(k) plan.

Combat identity theft with a credit freeze

October 11, 2017 - If you suspect a crook is attempting to gain unauthorized access to your credit report, a credit freeze is a good first step.

The Sandwich Generation: How to support post-college kids and aging parents

September 14, 2017 - Want help with these long-term planning decisions? Give us a call.

A primer on Series I savings bonds

August 16, 2017 - If you're searching for a hedge against inflation, Series I bonds are worth a look.

Life cycle funds can provide hassle-free investing

July 20, 2017 - If fiddling with your finances is a task you'd rather avoid, consider the pros and cons of life cycle funds before you invest.

5 Essential Steps to becoming Debt-Free

June 1, 2018 - Americans hold more than $1 trillion in credit card debt and over twice that much in loans, according to the Federal Reserve.

Does long-term care make sense for you?

February 1, 2018 - Long-term care coverage is designed to protect the assets of middle-income Americans.

Traditional and Roth IRAs: What changed?

April 1, 2018 - You may prefer one over the other, depending on your short-term savings goals, years until retirement and assumptions about future tax rates.

Prepare you finances before a loss

May 1, 2018 - Prudent couples plan for the future.

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