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Exciting News
Hi this is Chris Beale, founder and senior advisor at New England Capital with a few exciting announcements. First, with another tax season behind us I would like to thank all of our CPA friends that we partner with not only during the...
Read MoreThree Numbers Every Woman Should Know
Many women are earning more, inheriting more, and overseeing more wealth than any previous generation. At the same time, women tend to live longer and, in many cases, assume financial decision-making responsibilities earlier than...
Read MoreTax Preparation vs. Year‑Round Tax Awareness
With April 15 coming up, taxes are top of mind for a lot of people. But today, I want to talk about an important distinction that often gets overlooked—the difference between tax preparation and year‑round tax awareness. Tax preparation...
Read MoreTax Season Refresher
Tax Season has officially commenced, and I wanted to give a quick refresher of what that means for you and obtaining your tax forms. New England Capital does not prepare or issue the 1099’s. They come directly from your...
Read MoreHappy Holidays from New England Capital
All of us in New England Capital would like to take this opportunity to wish you and your family a very warm holiday season and a very healthy safe and prosperous new year. It is one of our greatest pleasures to exchange greetings and thank
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Understanding RMDs: What They Are and How to Calculate Them
If you’ve been saving diligently for retirement in a tax-deferred account—like a traditional IRA or a 401(k) you’ve probably heard of something called an RMD or Required Minimum Distribution. But what exactly is it, why is it required...
Read MoreThe Charitable Giving Strategy You Might Be Missing
Hi, Matt Carreras here with New England Capital. If charitable giving plays an important part of your life and your financial plan in the future, then today I’m going to talk about a tool that you might want to consider. It’s a powerful...
Read MoreSmarter, More Efficient Meetings: How Our Firm Uses Jump AI Notetaker
I’m excited to share a new enhancement to our client experience: our firm has officially integrated Jump Notetaker into our client meetings. This AI-powered assistant is transforming how we document conversations, manage follow-ups, and...
Read MoreThe 4% Rule Just Got an Upgrade
Hi everyone, it’s Ann Marie here. I wanted to share some interesting news that affects how we think about retirement income. You’ve probably heard of the famous ‘4% rule’—the guideline that says you can safely withdraw about 4% of your...
Read MoreWinners and Losers of the OBBBA
Hi. This is Chris Beale with New England Capital. Can you stand one more Blog about the tax and spending bill recently passed known as the One Big Beautiful Bill Act (OBBBA)? This 887 page, sprawling bill narrowly passed both houses of...
Read MoreWill the One Big Beautiful Bill Spark Car Buying?
There are a lot of tax-law changes tucked in the nooks and crannies of the 800+ page One Big Beautiful Bill. One that you may have heard about created a $10,000 tax deduction when you finance a new car. But as you can see, in June...
Read MoreOur Next Chapter
Hi, it’s Chris Beale. As you all know, I am the founder and managing partner of New England Capital. I started writing a newsletter to you, our clients, 42 years ago after my first full year in the business. Then, 18 years ago, I changed...
Read MoreOne Big Beautiful Bill A Closer Look at Two Major Tax Changes
Hi, Matt Carreras here with New England Capital. Back on July 4th, the President signed into a law the One Big Beautiful Bill which, as you might expect, is very broad and contains many changes to tax and other laws. Today I’m going to...
Read MoreThe True Cost of Buying a House
Hey everyone, I’m Liam Wallace with New England Capital. If you’re thinking about buying a home—or even just dreaming about it—it’s easy to focus on the sale price. But the truth is, the price tag is just the beginning. Today, we’re...
Read MoreTo Catch a Thief
Many Americans have taken steps in recent years to protect their identity. According to a recent report, total dollars lost due to identity theft in 2023 was nearly $23 billion. If you haven’t taken measures to protect yourself, it may...
Read MoreHow To Make The Most Out Of Your Retirement Savings After You Retire
For many people, retirement is one of the biggest financial goals—and one of the biggest questions. Whether it’s just around the corner or still years away, the challenge remains the same: how do you turn the money you’ve saved into an...
Read MoreSun, Sand, and Second Homes: Should You Buy or Just Rent?
IMPORTANT DISCLOSURE INFORMATION The following presentation by New England Capital Financial Advisors, LLC (“NECFA”) is intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a...
Read MoreUncertain Times Are Nothing New—Perspective Makes All the Difference
Hello, this is Chris Beale senior advisor and founder of New England Capital. “It is a gloomy moment in the history of our country. Not in the lifetime of most men have there been so much grave and deep apprehension, never has the future...
Read MoreHonoring a True Leader: Christopher Lee Receives the 2025 FPA CT Lifetime Achievement Award
Last week, at the Financial Planning Association of Connecticut’s annual conference at the Aqua Turf Club in Plantsville, CT, we had the distinct honor of witnessing a moment that was as inspiring as it was well-deserved. Our very own...
Read MoreRoth Conversions
Hi everyone, I’m Liam Wallace, a Certified Financial Planner® at New England Capital, and today we are going to talk about Roth conversions and if they could be right for you. So, what is a Roth conversion? A Roth conversion is...
Read MoreNew Features Coming Soon
I wanted to share some things we've been working on here at New England Capital to improve your client experience. In the next few weeks, we will be adding 2 new features that we hope will make your lives and ours a little easier. One...
Read MoreFear of Loss in Volatile Markets
As you’ve probably heard, a month ago on February 19th, the popular S&P 500 stock index reached at an all-time high. But since then, the index has come down and last week was down 10% from the peak – what the industry calls a “correction...
Read MoreWomen and Investing
March is Women’s History Month, and according to a recent survey, 49% of women consider themselves to be the chief financial officer of their households, up from 41% in 2021. Those numbers are even more impressive when you consider that...
Read MoreShould Investors Be Nervous About The Stock Market?
Stock market jitters, triggered by tariffs and recent breakthroughs in artificial intelligence (AI) by a Chinese tech company, offer a stark reminder that even the strongest bull markets can stumble — particularly when certain stocks are...
Read MoreAsk The Advisor: The Social Security Fairness Act
Hi, this is Chris Beale with New England Capital and we're continuing with my series on Ask The Advisor. We received quite a few questions about the new Social Security Fairness act that was signed into law January 5th by former...
Read MoreTax Season Tips and Information
Tax Season has officially commenced, and I wanted to use this blog as a refresher of what that means for you and obtaining your tax forms. New England Capital does not prepare or issue the 1099’s. They come directly from your custodian...
Read MoreHappy Holidays from New England Capital
All of us at New England Capital would like to take this opportunity to wish you and your family a very warm holiday season and a very healthy, safe and prosperous New Year. It is one of our greatest pleasures to exchange greetings and...
Read MoreNew Retirement Account Contribution Limits for 2025
Big news for retirement savers! The IRS has announced new contribution limits for 2025, which will help you boost your retirement savings. Hi everyone, I’m Liam Wallace and I’m an advisor here at New England Capital. For 2025, the...
Read MoreHow to Identify, Avoid and Report any Phishing attempts to Fidelity
We hope you are enjoying fall! Recently we have received several calls from clients regarding text messages purportedly from Fidelity about “fraud detected on accounts”. If you receive a text message like this, please note that it is a...
Read MoreUpside vs Downside Risk
When the stock market is doing well – like it has been since early 2023 -- many investors tend to fixate on the potential upside of certain investments and give much less thought to the potential losses that can happen. If you're at...
Read MoreEnhancing Your Identity Protection in Today's Digital World
There isn't a week that goes by when you don't read about some data breach. Safeguarding your personal information starts with understanding cybersecurity risks, knowing what to look for, and doing everything you can to help protect...
Read MoreSocial Security COLA 2025
More than 71 million Social Security beneficiaries can expect a 2.5% cost of living adjustment (COLA) increase in 2025, based on the Q3 inflation data so far. In other words, the COLA will raise the average benefit by $48 to $1,968...
Read MoreWhich Candidate Is Better For My Portfolio And The Stock Market
As we wrap up our first presidential debate (or second depending on who you ask), we have been getting some questions about the impact of the upcoming election and the stock market. As we have seen in this year in the previous couple...
Read MoreAdding Banking Instructions To Your Accounts
Today I want to address a popular question from our clients when it comes to money movement. When clients call for money needs, they often ask “Can you send my money directly to my bank account?” The quick answer is Yes! The detailed...
Read MoreAsk the Advisor
Hi this is Chris Beale with New England Capital and welcome to my first installment of Ask the Advisor! As you may remember, at the end of my last video blog I asked you to send me any questions that I could answer in this forum. And you...
Read MoreMarket Volatility
With recent events in the stock market, I thought it would be a good time to address volatility in the market. While it may be easy to get worried about a short-term market drop, I am here to tell you why there is no reason to...
Read MoreWhy Beneficiaries Matter
Hi…Matt Carreras here at New England Capital. Today we’re going to talk about something that’s easy to forget, but an important part of owning financial assets – it’s your designated beneficiaries. Like many people, you may think about...
Read MoreWho Is Your Trusted Contact?
Investment firms, like Fidelity and Schwab have a client service feature that may be a benefit to certain investors. They will ask you whether you would like to provide the name and information of a trusted contact. You do not have to...
Read MoreLife Happens, Be Prepared
During your meetings with us here at New England Capital we usually spend a bit of time talking about your income and expenses; sometimes we get into more detail working with a cash flow worksheet but today I’d like to take that one step...
Read MoreRoth IRAs For Your Teen
Summer break is here, and many young people will be working at a summer job or internship. While earning a paycheck is exciting, it can also be an excellent time to consider opening a Roth IRA and contributing a portion of their summer...
Read MoreDemographics and Retirement Risks
Hi. This is Chris Beale with New England Capital and I want to talk about what I consider one of your biggest retirement risks. It’s not the stock market or conflicts in the Middle East nor Ukraine nor even the upcoming elections. It’s...
Read MoreClient Service Team: Who We Are and What We Do
Hello, my name is Lindsey Larson, and I am New England Capital’s Client Service Lead. I want to take this time to introduce our Client Service Team and explain our role here at New England Capital. Our goal is to deliver consistent...
Read MoreRoth IRA Basics
Today, we are going to be talking about the Roth IRA and how it can be an important part of your retirement plan, or an important account to open if you are just starting investing. So, what is a Roth IRA? A Roth IRA is...
Read MoreRequired Minimum Distributions (RMD)
Today, we’re going to talk about Required Minimum Distributions -- or RMDs. If you have a tax-deferred retirement account, like a Traditional IRA or employer 401(k), I’m going to answer some of the most common questions we get...
Read MoreAvoiding Cognitive Decline
Of those aged 60 and older, 12 to 18 percent have mild cognitive impairment. People living with mild cognitive impairment are more likely to develop Alzheimer's, and almost two-thirds of people currently living with Alzheimer's are...
Read MoreWomen and Wealth: A Pivot Towards Retirement
Retirement is a significant transition, and it can bring both challenges and opportunities for women who have spent many years focused on their careers. For women approaching retirement age, it is crucial to consider various tips and...
Read MoreTen Common Estate Planning Missteps
This edition of my vlog hits close to home, as I unfortunately recently experienced the passing of my father. As I work on his estate with my stepmom, I am reminded how estate planning is a complex element of any financial plan. It...
Read MoreIt’s the ECONOMY, Stupid!
“It’s the ECONOMY, Stupid!” This quote comes from James Carville, who was a campaign strategist for Bill Clinton when he was running for president against incumbent George H W Bush. It’s often quoted during elections as people tend to...
Read MoreHappy Holidays from New England Capital
All of us at New England Capital Financial Advisors would like to take this opportunity to wish you and your family a very warm holiday season and a very healthy, safe and prosperous New Year. It is one of our greatest pleasures to...
Read MoreTips to Keep You Safe Online This Holiday Season
I want to give you a few tips on how to keep safe online this holiday season. Now that we are all stuffed with Turkey, the Holiday shopping season is in full swing. Last night as I was running an errand with my almost 13 year old...
Read MoreBeware of IRMAA
Hi, this is Chris Beale with New England Capital Financial Advisors, LLC with our latest video blog. I’m going to continue with the Social Security series of blogs that Ann Ocone started when she discussed the Social Security...
Read MoreNext Top Five Common Questions on Social Security
Once someone starts receiving Social Security benefits, their payments may increase in accordance with the rate of inflation in the prior year. The cost-of-living adjustment (COLA) was 5.9% in 2021, followed by an 8.7% increase in 2022....
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Social Security Announces 2024 COLA
The Social Security Administration has announced a 3.2% Cost of Living Adjustment (COLA) for 2024. This adjustment means the average Social Security retiree beneficiary will see their monthly check increase by about $57 to $1,849,...
Read MoreProtect Your Kids and Yourselves With These Documents
It’s mid-September 2023, which means the seasons are changing and I don’t just mean from baseball to football season. Well, as far as baseball is concerned, we can forget any pennant races in the New England/New York area this year. This...
Read MoreFive Common Question on Social Security
Social Security, the program you may have spent a lifetime paying into, is designed to offer stability, supplemental income, and other valuable benefits that can play a role in your overall financial strategy after you retire. We've...
Read MoreDollars and Degrees: The Cost of Education
As we approach the back-to-school season, I wanted to discuss an important topic that might be on your mind: the cost of education. Whether you have children or grandchildren preparing for college or considering furthering your...
Read More5 Tips to Help You Recognize a Potential Phishing Attempt
In our role as financial professionals, we understand how vital it is to safeguard clients’ personal and financial information. In today’s digital landscape, phishing attacks have become a pervasive cybersecurity threat that can...
Read MoreIRA Distributions Update
I know I’ve written and talked about this subject before, but there’s still a lot of bad information and bad advice I hear about IRAs, inherited IRAs, and the required minimum distributions or RMD‘s. Why is this? Well, perhaps one of the...
Read MoreMarket Update
As widely expected, the Federal Reserve paused its interest rate hiking campaign at its June meeting. The Fed had signaled that it wanted to review financial data coming in on the impact its rate increases had on inflation and the...
Read MorePortfolio Holding Highlight: GS GQG Partners International Opportunities Fund
In the coming months, I will be highlighting some mutual funds in our models and why we chose them. We have a Research/Investment team, which is composed of our advisory team and our compliance officer. This team meets at least quarterly...
Read MoreThe AI Genie Is Out of the Bottle: Now What?
AI or artificial intelligence and machine learning, are making headlines. One example of AI is a free software program you can download to your computer called ChatGPT. Five days after it was introduced to the public, it was being used...
Read MoreThe Looming Debt Ceiling
You may have heard that back on January 19th that the U.S. hit its $31.4 trillion debt ceiling, and since then, the U.S. Treasury has been using "extraordinary measures" to keep paying its bills.1 It sounds ominous, but how concerned...
Read MoreCaring for Aging Parents
Thanks to healthier lifestyles and advances in modern medicine, the worldwide population over age 65 is growing. In the past decade, the population of Americans aged 65 and older has grown 38% and is expected to reach 94.7 million in...
Read MoreAre My Bank Accounts Safe?
The sudden collapse of SVB Financial, a California-based bank focused on technology startups, has raised important questions about the health of the U.S. banking system and the government’s response to yet another crisis in the financial...
Read MoreTo Shred, or Not To Shred
*Please Note: No portion of the video content, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if...
Read MoreA Decision Not Made Is Still a Decision
Whether through inertia or trepidation, investors who put off important investment decisions might consider the admonition offered by motivational speaker Brian Tracy, "Almost any decision is better than no decision at all."This...
Read MoreTop 10 List of Things To Do To Get Financially Fit in 2023!
*Please Note: No portion of the video content, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if...
Read MoreYear End Tax Tips
*Please Note: No portion of the video content, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if...
Read MoreThe Biggest COLA Increase Since 1981
How well do you remember 1981? Harrison Ford had his first bow as Indiana Jones in Raiders of the Lost Ark. Frogger and Donkey Kong were all the rage at video arcades. Bob Ross left the Air Force and took up painting. On top of that,...
Read MoreCan Midterm Elections Move Markets?
*Please Note: No portion of the video content, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if...
Read MoreChanges to Inherited IRA Rules
*Please Note: No portion of the video content, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if...
Read MoreImportant Details on Student Loan Relief
The White House recently forgave up to $10,000 to student loan borrowers as part of a larger debt forgiveness program. There are still quite a few questions to be answered, but here are some key points to know.Pell vs. non-Pell: Loan...
Read MoreThe Inflation Reduction Act of 2022
*Please Note: No portion of the video content, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if...
Read MoreDistribution Planning - Part 2
In my last blog I discussed how Covid pandemic along with other factors caused many people to rethink how they would be working, and how long they would be working. In the past decade, about 2 million baby boomers per year retired...
Read MoreI Bond Info
Questions about US Government I bonds have been coming up recently during our client meetings about whether these investments are right for you. The answer to that question is they may NOT be right for everyone so let’s...
Read MoreDuring Bear Markets, Keep an Eye on the Long-Term Picture
As some of you may know, we're officially in a bear market, which happens when stocks close down 20% or more from their most recent high. While this can be worrisome for some of you and also cause a large range of...
Read MoreDistribution Planning - Part 1
Hi, my name is Chris Beale. I am a senior advisor and founder of New England Capital Financial Advisors. Today I want to talk about one of my favorite topics, Distribution planning. The covid Pandemic has caused many employees to...
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Inflation Horizon
I am thrilled to be discussing inflation. Not that inflation is a particularly exciting topic, rather I’m just glad to discuss anything but COVID 19 in this blog! As we cautiously start thinking forward to a post-Covid world, we...
Read MorePlanning for Elderly Parents
One of the financial planning rules we use here in the office and with our clients is to “plan for the unexpected”. There are many things can derail a good financial plan, but proper planning can help keep you on track. A...
Read MoreAre We Ready For The Roaring '20s?
The Roaring ‘20s refers to the 1920s when economic prosperity flourished in the United States and Europe. Deferred spending from the effects of World War I and the Spanish Flu Pandemic, a construction boom, and the growth of...
Read MoreCryptocurrency: What Is It and Should You Own It?
Through my 26 years of experience, it seems that every several years something “new and trendy” is introduced into the investing world. Whether it was technology stocks and the dot-com bubble in the 1990s, Real estate...
Read MoreLessons From The Pandemic
Just over a year ago, on March 16, 2020, everyone at New England Capital packed up our equipment and said our goodbyes. I didn’t know when we’d be back together in the office – hopefully within a month, or certainly...
Read MoreWhere Do We Go From Here?
What a difference a year makes! Between February 2020 to March 2020 the S&P 500 (500 largest US companies) average dropped roughly 35% in that span. As many of you know through your account balances, you have made up those losses and...
Read MoreCrystal Balls: The Cost of the COVID 19 Pandemic and Stock Valuations
By far the most common question I get asked these days is “what is next?”. Many times, it starts like this: “Chris, I know you don’t have a crystal ball, but…..” Actually, I do have a crystal ball!...
Read MoreWas 2020 a Dream?
I want everyone to close their eyes and go back to December 31st, 2019. Wildfires had scorched a huge chunk of Australia, Tom Brady won his 6th Super Bowl; Tiger Woods returned to golf to win his 5th Masters; Bradley Cooper and Lady...
Read MoreThe US Election and Geopolitics in the Age of Disruption
We were very pleased at the large turnout we had for our October 5th event/webcast on The US Election and Geopolitics in the Age of Disruption with special guest John Emerson from Capital Group. Unfortunately, Capital Group did not...
Read MoreFinancial Boot Camp for Teenagers
Do you want your teenage children, grandchild, niece or nephew to understand the true value of money and the importance of it? Are you frustrated with their lack of financial knowledge? If so, New England Capital Financial Advisors,...
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COVID-19 Resources
We have provided links below for some Covid-19 resources. Financial Assistance - For Businesses Connecticut Recovery Bridge Loan Program: Connecticut businesses with less than 100 employees impacted by COVID-19 may apply for a one-year...
Read MoreSponsoring a Family for Christmas 2019
Once again, this year in lieu of having our annual Secret Santa gift exchange, the staff at New England Capital decided to sponsor a local family in need for Christmas through the Beat The Street Community Center in Meriden.
Read MoreChristmas in the Village 2019
Christmas In The Village South Meriden was held on Saturday, December 7th from 1:00 to 4:00 PM on Main St in South Meriden. The event started with a parade featuring Santa, Elves, Frosty the Snowman, Rudolph, Little Mister and Miss...
Read MorePlease Join us at Christmas in the Village on Saturday December 7th in South Meriden
New England Capital is proud to be a part of Christmas In The Village South Meriden, which will be held on Saturday, December 7th from 1:00 to 4:30 PM on Main St in South Meriden. The event starts with a parade featuring Santa, Elves,...
Read MoreMeriden Humane Society
If you’ve been in the office recently on a Friday, you might have noticed us wearing jeans. We recently implemented Jean Friday’s in the office where if employees choose to wear jeans, they make a $5 donation to charity....
Read MoreChristmas in the Village 2018
Christmas In The Village South Meriden was held on Saturday, December 1st from 1:00 to 4:00 PM on Main St in South Meriden. The event started with a parade featuring Santa, Elves, Frosty the Snowman, Rudolph, Little Mister and Miss...
Read More30th Anniversary Party at Holiday Hill
New England Capital recently celebrated their 30th Anniversary with clients at Holiday Hill in Prospect! The founder of the firm, Christopher W. Beale, CFP®, started the firm in July 1998. This was a great celebration that was well...
Read MoreChristmas in the Village 2017
Christmas In The Village South Meriden was held on Saturday, December 2nd from 2:00 to 5:30 PM on Main St in South Meriden. The event started with a parade featuring Santa, Elves, Frosty the Snowman, Rudolph, Little Mister and Miss...
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