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Marlboro, NJ 07746-1522

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The WINTER 2018 MONEYWISE has been mailed to you.  I will use this web site to update you with what I know when I know it.     If you are a NJ resident and are a Veteran and you don't know about "certifying" yourself, send me an email.


Here are links to three articles that were in the NY Times on Sunday, December 17.




Here is a link to a tax calculator that was published by the NY Times.  I don't know if it is really of any help, but for those of you who have time on your hands and like to play with this stuff, click on this link and look for TAX CALCULATOR.



Letters for those of you who took extensions and/or mailed me your stuff for 2016 returns were already sent out.   Appontment cards for those of you who come to my office will be sent on January 15.  Some of you will be getting letters from me about trying out my new associate.  Please contact me if you get that letter and have any questions.  Have a wonderful holiday. Remember to put your SS numbers, and the year of the estimated tax you are paying on the checks when you pay your estimates.

See you soon.

Thanks, Lenny


When it seems that financial markets are melting around us many of my clients contact me for my advice.  My advice remains the same as it has been for at least 25 years.  One of my readers noted that the article is dated in 2006.  That is when I wrote it and it hasn't changed.  If you can take a few minutes to read my investment philosophy direclty below this paragraph you will get what I think is some good advice.  To sum up, I know that we have suffered through painful financial markets so many times before.  We have smart people who can help to remedy problems after they happen.  I wish we had people with the will to prevent them from happening, but we don't.  We probably never will.  You should have money that you will need in the next 8-10 years in some sort of fixed income investments and the balance in a well diversified portfolio of equity investments (read below).  If you do, I'd say you will be O.K.  Read my Fall 2008 newsletter.  Please pay particluar interest to the artilce about guaranteed retirement income.  In the Winter 2010 issue I disucssed how to plan for withdrawing from accounts to live during your retirement years.


My investment philosophy.  Please click here to read my investment philosophy.  I direct you to this because I rely on this philosophy to develop an investment plan for my clients who ask me to help manage their investments.  It is certainly not the only approach to investing money.  You should align yourself with someone who has a philosophy and approach to investing that is most compatible with your own thinking.  If what I offer you isn't what you need I will certainly help you to find someone responsible and experienced who is more suitable to you.

-I am always writing about the need to plan for the inevitable. This is as good a time as any to remind you of the need to have a list of instructions, a will, a power of attorney, and a health care proxy. If you need assistance doing this, I can direct you to legal resources. I can provide the financial assistance. Here are the articles I have written on the topic back to 1997. If you want to read what I've written back to '86, let me know.
Estate Planning