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America’s 2014 Select Financial Advisors

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Melville, NY, February, 3, 2014 – Conquest Press has named Charles Joseph Massimo to their ‘2014 America’s Select Financial Advisors Book’. The nation’s top financial advisors were invited to apply for acceptance in this book. These Financial Advisors are among the chosen few that have met the strict qualifying criteria in order to be included. […]

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Thoughts on Predicting Future Directions of the Market and Economy

Todays New York Times editorial by Paul Krugman had me thinking of the track record of macro economists faired when it came to predicting future directions of the market and economy. Macroeconomists have a lot in common with active money managers. At any point in time a few of them look like geniuses for predicitng […]

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Investing trends for 2014

The start of a new year is always a good time to evaluate your financial plan and (pun intended) take stock of your investments. Of course, there is no one-size-fits-all approach to managing money, and following fads is rarely advisable. But, being aware of how changes in the macro environment could impact your finances always […]

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DFA: A Different Dimension

For over 10 year I have enjoyed a successful and productive relationship with Dimensional Fund Advisors (DFA), while helping provide my clients with the most consistent and prudent investment experience possible. Attached is the most recent article on DFA featured in this weekend’s edition of Barron’s highlighting the following: And yet its overall performance is […]

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Barron’s Article on DFA – Where The Smart Money Is Headed

When I left Smith Barney in 2003 I did so to create the most successful investment experience possible;  one that would provide a consistent and prudent approach to enhancing wealth for my clients. While most advisors and investors are simply “me too” investors’ buying Vanguard or Fidelity funds, or picking a handful of stocks with […]

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Eugene Fama of Dimensional Fund Advisors Wins 2013 Nobel Prize in Economic Science

CJM Wealth Management Among Select Group of Firms in Which DFA has Chosen for Funds to be Available Due to Nature of Investment Strategy October 14, 2013 – New York, NY – Eugene F. Fama, the primary scholar whose groundbreaking work inspired the founding of Dimensional Fund Advisors (DFA) is one of three US scholars […]

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More Firms Choosing Captive Insurance

CJM Wealth Management was recently featured in the LIBN for the topic of captive insurance. Why should businesses let insurance companies capture the profits of high premiums when creating their own captives can cover certain claims that wouldn’t normally be covered under general liability coverage? Click the link to read the full story. More firms […]

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Reading “The Dash” with Your Wealth in Mind

Have you read, The Dash: Making a Difference with Your Life from Beginning to End by Linda Eillis? I highly recommend it. The premise of the book is that when we die our life is represented by the single dash between two dates, our birth date and the date when we pass away. Within that […]

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JP Morgan Chase Accused of Manipulating Energy Markets

JP Morgan Chase was officially accused of manipulating energy markets this week foreshadowing the multimillion-dollar settlement that is expected as early as this week, according to people briefed on the matter.  Here’s what you need to know. According to an article in DealBook, the action by the Federal Energy Regulatory Commission is largely a formality […]

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Recession Proof Your Portfolio With Discipline

We ran across an article on the New York Times’ web site the other day that posses an intriguing scenario. What if your fairy godmother had appeared on Jan. 1, 2000 and told you that over the coming decade, there would be two recessions, high unemployment and a global financial crisis?   How would it […]

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The DOMA Ruling will Affect Wealth Management

In a recent landmark decision, the Supreme Court drastically changed the way the federal government looks at gay rights. In fact, the ruling on DOMA directed it to begin providing equal treatment to same-sex spouses and allow gay marriages in California to resume.   We expect this happening will affect wealth management practices almost immediately. […]

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Insurance that pays

I was recently quoted in an article called, “The DIY Approach to small business insurance,” which I thought did a great job of highlighting the tremendous wealth accumulation and tax minimization opportunities that can come with creating a captive insurance company for a small business.  With the proper guidance, the right company can save big […]

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To Savvy Investors, Risk Is No Four-Letter Word

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I recently met with a prospective client on Long Island who was born in 1950. During his lifetime, he has seen the S&P 500 Index (an indicator of the strength for some of the world’s greatest companies based on their stock price) rise 70 times its value to its current level of about 1400, far […]

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Retirement Income: Top 7 Inflation Impacted Investments

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A comprehensive retirement income strategy will help protect your investments from inflationary pressures.  This is because Inflation impacts nearly all retirement-based investing vehicles. Consider this high-level view of some of those most common: 1.  Cash, money market, savings and checking accounts. These instruments are not going to keep up with inflation and taxes, but they are great places for […]

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408(b)2 & 404(a)5: Sticker Shock!

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I’ve gone to great lengths to prepare business owners, plan sponsors, benefits committees and trustees, for upcoming Department of Labor regulations, 408(b)(2) and 404(a)(5).  Even with the possibility of 401k lawsuits, cumulative penalties from the IRS and DOL fines, I continue to be flabbergasted at the number of companies that continue to do nothing and the […]

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Dimensional Fund Advisors: Don’t Be Swayed!

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I’ve been very adamant about investors being their own worse enemy when it comes to their portfolio.  All too often, the noise and multitude of surrounding information causes an investor to stray from their original strategy allowing market swings to dictate their actions.  Unfortunately, this has repeatedly been proven to cause irreversible damage to one’s […]

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401k Hidden Fees: No 408(b)(2) Extension Needed!

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A few weeks ago I mentioned in an article that there was a possibility that new Department of Labor 408(b)(2) regulations may be pushed back from their April 1, 2012 effective date.   Two major organizations — the American Society of Pension Professionals & Actuaries (ASPPA) and the Council of Independent 401(k) Record keepers (CIKR) sent […]

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Dimensional Fund Advisors: 3 Grounds for Change!

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Dimensional Fund Advisors evolving portfolio methodology over time is what keeps them ahead of their peers.  Dimensional has always focused on designing innovative investment solutions to meet the needs of clients.  There are cases when sudden events, such as new taxes on foreign ownership have triggered change. But these changes have generally been temporary.  Long-term enhancements […]

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Dimensional Fund Advisors: Investment Enhancements Part Deux!

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Designing and implementing investment enhancements is a process that involves experts across the firm at DFA Funds.  As ideas generate from internal and external sources, the Research group, in consultation with senior members of the firm, may analyze data and run simulations to see if an enhancement s feasible and likely to improve expected returns or […]

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Dimensional Fund Advisors: Enriching the Portfolio Design Process!

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Dimensional Fund Advisors investment process has three main elements; portfolio design, portfolio management and implementation.  Each stage is important for adding value, and investment enhancements can happen at any stage of the process.  Some of the most significant recent enhancements have included dynamic sector caps, tax management, redefining size breaks for equity strategies, momentum screens, […]

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