Viewpoints

Viewpoints is Beacon Hill Private Wealth’s library of articles on financial planning and long-term investing. We publish practical, research-informed guidance to help individuals and families think more clearly about long-term financial decisions.

Topics commonly covered include:

Retirement planning and distribution decisions
Tax planning and after-tax strategy
Estate planning and legacy considerations
Risk management and wealth protection
Charitable giving and philanthropic planning
Behavioral finance and decision-making
Investment management principles

Use the categories below to explore topics most relevant to your situation.

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Some readers find it helpful to explore how these planning concepts relate to their own circumstances. If that would be useful, you’re welcome to request a brief introductory conversation to discuss fit and approach.

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Common Financial Scams that Target Retirees and How to Spot Them

October 24, 2019 Financial Abuse

As a retiree, or an older individual, you may find yourself at risk for encountering financial scams. Here are a few ways to protect yourself and your loved ones.

How to Maximize Social Security Spousal Benefits

October 22, 2019 Retirement Planning

There are a number of details involved when it comes to maximizing your Social Security benefits. If you're married, it's important to consider your options for both you and your partner.

Finances for Freshman: How to Prepare Your Kids for Financial Responsibility When Entering College

October 14, 2019 Behavioral Finance Education Planning

As your child heads off to college, set some time aside to help your kid understand the financial implications their first step into freedom and independence will likely have.

The Unique Retirement Issues Facing Women

October 11, 2019 Retirement Planning Risk Management

Women face at least 12 unique challenges from financial and life circumstances related to long-term retirement planning. Addressing these can be overwhelming and uncomfortable. But, only by understanding the issues can you develop strategies that will provide the greatest chance of achieving your clients’ goals. Specifically, women:

Designing Your Spend-Down Strategy

October 4, 2019 Retirement Planning Most Read

Many people think of retirement planning as saving enough money to live the lifestyle they’ve envisioned and do the things they’ve planned. But that’s only part of having a successful retirement. The financial skills and planning you need for this new phase of life are different and often more complicated — and ideally should be implemented before retirement begins. We can help you develop a spend-down strategy to decrease your tax costs and increase your odds of having enough money in retirement.

The True Cost of Being an Art Collector

October 4, 2019 Protecting Wealth Risk Management

From insuring your art collection to storage fees and more we're coaching you through some of the typical costs you can expect to pay as an art collector.

5 Common Emotional Roadblocks that Could Halt a Successful Estate Plan

October 4, 2019 Estate Planning

Discussing an estate plan is no walk in the park, but it may be easier to address when you think about what it truly is - the gift of passing on a legacy in a tax-efficient manner to your loved ones.

Individual Stock Investing Increases Risk

September 18, 2019 Behavioral Finance Investment Management

Recent studies show that the returns to equity investors have historically come from a relatively small number of stocks. Investors who fail to adequately diversify increase their chances of failing to own those high-performing stocks, and they are not compensated for the risks they do bear.

Why Are Baby Boomer Wealth Transfers Failing?

September 14, 2019 Estate Planning Retirement Planning

How Lower Rates Stress Investment Plans

September 12, 2019 Investment Management Retirement Planning