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# Thomas F. Scanlon, CFP®, CPA

## Sitemaps

- [XML Sitemap](https://tom-scanlon.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://tom-scanlon.com/news/)
- [3 Practical Reasons You Need a Financial "Plan B"](https://tom-scanlon.com/plan-b/) - Life doesn't always follow plan A. Learn 3 practical reasons why a financial Plan B matters and how changes in life can impact your long-term plan.
- [3 Ways My Daughter Financially Contributed to her College Education](https://tom-scanlon.com/3-ways-my-daughter-financially-contributes-to-her-college-education/) - This article on savings during retirement is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA My daughter attended the University of New Hampshire. Here are 3 ways she contributed to her college education. 1) Stafford Loans She has taken out Stafford Loans. She was able to borrow $5,500 her freshmen year
- ["It's Not About the Money"](https://tom-scanlon.com/its-not-about-the-money/) - This article is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA Don't you just love it when a Major League athlete signs a huge contract with a new team and says, "It's not about the money." Bull Just to be clear: It's always about the money! Don't get me wrong I
- [Inflation: The Silent Tax - And How to Fight Back](https://tom-scanlon.com/inflation-the-silent-tax-and-how-to-fight-back/) - Inflation is the silent tax eroding purchasing power. Learn why it matters and how stocks, TIPS and real estate can help fight it.
- [Practical Reasons Why "You're Gonna Need a Bigger Boat"](https://tom-scanlon.com/practical-reasons-why-youre-gonna-need-a-bigger-boat/) - Planning for retirement? Learn why you may need a bigger, sturdier financial plan to cover healthcare costs, cash reserves, and long-term risks.
- [Practical Financial Moves for the Second Half of the Year](https://tom-scanlon.com/practical-financial-moves-for-the-second-half-of-the-year/) - Review taxes, boost your 401(k), and make smart mid-year financial moves to stay on track for the second half of the year.
- [Happy Birthday, America: 250 Years And Still Going Strong](https://tom-scanlon.com/happy-birthday-america-250-years-and-still-going-strong/) - America turns 250. A look at history, resilience, capitalism, and how technology and AI are shaping opportunity, without a straight-line forward.
- [Life After Your Last Paycheck: Practical Steps for Retirement](https://tom-scanlon.com/life-after-your-last-paycheck-practical-steps-for-retirement/) - Life after your last paycheck requires a plan. Learn practical retirement steps to manage income, inflation, sequence risk, Social Security, and taxes.
- [3 Practical Reasons to Hire Your Grandchildren in Your Business](https://tom-scanlon.com/3-practical-reasons-to-hire-your-grandchildren-in-your-business/) - Discover tax benefits, Roth IRA eligibility, and family values when hiring your grandchildren in your business. Practical tips for small business owners.
- [3 Practical Ways to Minimize Your Lifetime Tax Bill](https://tom-scanlon.com/3-practical-ways-to-minimize-your-lifetime-tax-bill/) - Minimize your lifetime tax bill with practical tips on Roth 401(k)s, catch-up contributions and smart planning for every stage.
- [Why Asset Location is as Important as  Asset Allocation](https://tom-scanlon.com/why-asset-location-is-as-important-as-asset-allocation/) - Asset location matters as much as asset allocation. Learn where to hold investments across accounts to reduce lifetime taxes and improve after-tax returns
- [Why You Shouldn't Chase the Latest Investment Fad](https://tom-scanlon.com/why-you-shouldnt-chase-the-latest-investment-fad/) - Avoid herd mentality and learn why chasing the latest investment fad can harm your finances and discover smarter strategies for long-term investment success.
- [3 Great Reasons to Fund a Health Savings Account](https://tom-scanlon.com/3-great-reasons-to-fund-a-health-savings-account/) - Learn three key reasons to fund a Health Savings Account, including tax deductions, tax-free growth, and tax-free distributions for medical expenses.
- [5 Easy Reasons for a Pending Economic Slowdown](https://tom-scanlon.com/5-easy-reasons-for-a-pending-economic-slowdown/) - Trade policy, inflation, unemployment, and consumer confidence may be signaling a slowdown. Here are 5 economic trends worth watching.
- [3 Easy Reasons You Need a Financial Lifeboat Drill](https://tom-scanlon.com/3-easy-reasons-you-need-a-financial-lifeboat-drill/) - Learn why retirees and pre-retirees need a financial lifeboat drill, covering market risk, aging, sequence risk and the role of cash reserves.
- [Why Creative Destruction Can Be a Good Thing](https://tom-scanlon.com/creative-destruction/) - Creative destruction explains how innovation replaces dated systems, drives long term growth, and reshapes the economy , often uncomfortably, but productively.
- [3 Easy Ways to Live Beneath Your Means](https://tom-scanlon.com/3-easy-ways-to-live-beneath-your-means/) - Learn three practical ways to live beneath your means by understanding your income, expenses and long-term retirement goals.
- [Don't Look Now, But Someone Just Told Me "I 'm Debt-Free!"](https://tom-scanlon.com/im-debt-free/) - A real-life story about clear goals, smart choices, and how one family achieved financial freedom by becoming debt-free.
- [Before Investing, Know The Rules of the Road](https://tom-scanlon.com/before-investing-know-the-rules-of-the-road/) - Set your "rules of the road" before investing - build cash reserves, align risk by time horizon, and choose red, yellow and green strategies with confidence.
- [3 Practical Things to Do with Your Tax Refund](https://tom-scanlon.com/3-practical-things-to-do-with-your-tax-refund/) - Getting a tax refund? Learn three practical steps to strengthen your finances, from Roth IRAs to cash reserves and debt reduction.
- [7 Easy Things Learned from The Roaring Twenties 2.0](https://tom-scanlon.com/7-easy-things-learned-from-the-roaring-twenties-2-0/) - 7 lessons from the Roaring Twenties 2.0-covering technology, inflation, jobs and more. Insights from Manchester, CT Financial Advisor Thomas Scanlon, CFP, CPA
- [Why Getting Old is the New Normal](https://tom-scanlon.com/why-getting-old-is-the-new-normal/) - If you need help with Why Getting Old is the New Normal, give Manchester, Connecticut Financial Advisor Thomas Scanlon a call at (860) 645-1515.
- [Goodbye to the  Joneses. 3 Practical Steps to Arrive Financially.](https://tom-scanlon.com/goodbye-to-the-joneses-3-practical-steps-to-arrive-financially/) - If you need help with Goodbye to the Joneses., Give Manchester, CT Financial Advisor Thomas Scanlon, CPA,CFP a call at (860) 645-1515.
- [7 Practical Steps to File Your 2025 Tax Return](https://tom-scanlon.com/7-practical-steps-to-file-your-2025-tax-return/) - Learn 7 practical steps to file your income tax return smoothly and plan ahead. Tips from Manchester, CT Financial Advisor Thomas F. Scanlon, CFP, CPA.
- [What You Need to Know to Understand the Math of the Stock Market Now](https://tom-scanlon.com/what-you-need-to-know-to-understand-the-math-of-the-stock-market-now/) - Understand key stock market math: P/E ratios, dividend yield, payout ratios, stock splits and portfolio turnover. Insights from Thomas F. Scanlon, CFP, CPA.
- [3 Easy Reasons to Open a Roth IRA](https://tom-scanlon.com/3-easy-reasons-to-open-a-roth-ira/) - Discover three compelling reasons to open a Roth IRA - from tax-free retirement income to avoiding RMDs and boosting long- term wealth for you and your family
- [Practical Steps to Fund a Backdoor Roth IRA Conversion](https://tom-scanlon.com/practical-steps-to-fund-a-backdoor-roth-ira-conversion/) - Learn practical steps to fund a Backdoor Roth IRA Conversion, avoid tax pitfalls, and maximize retirement savings. Contact Thomas F. Scanlon, CFP, CPA.
- [3 Financial Planning Lessons all of the Average Joe's Will Love](https://tom-scanlon.com/average-joes-2/) - Learn 3 practical financial planning lessons inspired by Dodgeball, diversification, discipline and investing in yourself , to build long-term success.
- [3 Practical Reasons for Your Coming Social Security Haircut](https://tom-scanlon.com/3-practical-reasons-for-your-coming-social-security-haircut/) - Discover why Social Security benefits may be reduced, the math behind the trust fund, government responses, and practical steps to protect your retirement.
- [5 Easy Reasons to Fund a 529 College Savings Plan](https://tom-scanlon.com/5-reasons-to-fund-a-529-college-savings-plan/) - College is expensive. Learn 5 Easy Reasons to Fund a 529 College Savings Plan, including tax-free growth, control and potential state tax benefits.
- [IRA vs. Roth IRA. What You Need to Know](https://tom-scanlon.com/ira-vs-roth-ira-what-you-need-to-know/) - If you need help with IRA vs. Roth IRA, What you Need to Know, call Manchester, CT Financial Advisor Thomas Scanlon, CFP, CPA at (860) 645-1515.
- [The Difference Between a Roth IRA and an IRA](https://tom-scanlon.com/the-difference-between-a-roth-ira-and-an-ira/) - This article on savings during retirement is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA The Roth IRA and an IRA both offer different tax advantaged ways to save for retirement. If you are serious about your retirement plan take these 5 Easy Steps to Retirement. Roth IRA In 2021, investors
- [Estate Planning Lessons Learned From My Mom's Estate](https://tom-scanlon.com/estate-planning-lessons-learned-from-my-moms-estate/) - This article is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA My mother passed away at age 84. While her estate was fairly modest, here is some estate planning lessons we learned about her estate. Give While You Are Alive My mom’s estate was modest. She had a house, a car
- [Make Your Checks Payable to the Smith Family Education Fund...](https://tom-scanlon.com/make-your-checks-payable-to-the-smith-family-education-fund/) - If you need help with Make Your Checks Payable to the Smith Family Education Fund, call Manchester, CT Financial Advisor, Thomas Scanlon, CFP at (860) 645-1515.
- [CNBC Quotes Tom About Maximizing Your Tax Bracket](https://tom-scanlon.com/cnbc-quotes-tom-about-maximizing-your-tax-bracket/) - Local Raymond James Financial Advisor Thomas F. Scanlon, CFP, CPA of Manchester, CT quoted by CNBC.com on November 25, 2022. 3 lesser-known ways to trim your 2022 tax bill or boost your refund before year-end PUBLISHED FRI, NOV 25 202212:19 PM EST BY KATE DORE FOR CNBC After nearly a year of high inflation, rising
- [Carrying Holiday Debt May Be Troubling These Days.](https://tom-scanlon.com/carrying-holiday-debt-may-be-troubling-these-days/) - Local Raymond James Financial Advisor Thomas F. Scanlon, CFP®, CPA of Manchester, CT quoted by CNBC.com on December 28, 2022. Published Wed. December 28, 2022 by Lorie Konish for CNBC 5 tips to help you knock down those balances. High inflation and rising interest rates mean holiday shoppers who turned to credit cards and other methods of borrowing
- ["A Bear, A Bear, A Bear!"](https://tom-scanlon.com/a-bear-a-bear-a-bear/) - This article, last updated in January 2024, is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA. Years ago we went for a bike ride on Christmas Day on the Farmington Canal Heritage Trail in Farmington, Connecticut. It really is quite a nice trail. We have never been on a bike ride
- [4 Easy Steps to Stay Retired](https://tom-scanlon.com/4-easy-steps-to-stay-retired/) - This article is original content written by local Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA You have reached the holy grail (for some) and retired. Congratulations! You are in the Land of No Alarm Clocks. Now you can do (almost) whatever you want to do. You’ve worked your whole life to get here. Now
- [The Difference Between Tax-Deferred and Tax-Free Investing](https://tom-scanlon.com/the-difference-between-tax-deferred-and-tax-free-investing/) - If you need help with the Difference Between Tax-Deferred and Tax-Free Investing, call Manchester, CT Financial Advisor Thomas Scanlon at 860-645-1515.
- [Options to Reduce Taxes on Your Savings Interest](https://tom-scanlon.com/options-to-reduce-taxes-on-your-savings-interest/) - Local Manchester, CT FA Thomas Scanlon quoted by CNBC.com on Thursday, May 16, 2024. KEY POINTS Many Americans are still earning higher interest after a series of rate hikes from the Federal Reserve. Interest from savings accounts or certificates of deposits incurs regular or “ordinary income” taxes, depending on your federal income tax bracket. But
- [No Mulligan for Retirement - Easy Ways to Get It Right the First Time](https://tom-scanlon.com/no-mulligan-for-retirement-easy-ways-to-get-it-right-the-first-time/) - If you need help with No Mulligan for Retirement - Easy Ways to Get it Right, call Manchester, CT Financial Advisor Thomas Scanlon, CFP at (860)-645-1515.
- [IRA Giving After Age 70 1/2 : How to Make a Qualified Charitable Distribution](https://tom-scanlon.com/7-reasons-why-all-investors-over-age-70-12-should-consider-a-qualified-charitable-disbribuiton/) - If you need help with IRA Giving After 70 1/2: How to Make a QCD, call Manchester, CT Financial Advisor Thomas F. Scanlon, CFP, CPA at (860) 645-1515.
- [3 Simple Reasons You Need to Fund a Donor Advised Fund in 2025](https://tom-scanlon.com/3-simple-reasons-you-need-to-fund-a-donor-advised-fund-in-2025/) - If you need help with 3 Simple Reasons You Need to Fund Your Donor Advised Fund, call Manchester, CT Financial Advisor Tom Scanlon, CFP, CPA at 860-645-1515.
- [Things are More Expensive When You Pay For Them Yourself](https://tom-scanlon.com/things-are-more-expensive-when-you-pay-for-them-yourself/) - Lessons in personal finance start early. Discover why things are more expensive when you pay for them yourself, and how budgeting shapes decisions.
- [Everyone Knows You Need to Diet and Exercise](https://tom-scanlon.com/diet-and-exercise/) - Simple advice like "diet and exercise" applies to financial planning. Learn how habits, emotions and media shape your financial success.
- [The Roaring Twenties 2.0](https://tom-scanlon.com/the-roaring-twenties-2-0/) - Contact Manchester, CT Certified Financial Advisor Tom Scanlon to create a financial plan to fit your needs.
- [You Only Get a Mulligan in Golf](https://tom-scanlon.com/you-only-get-a-mulligan-in-golf/) - There is no do-over with financial planning. Avoid wishing you had a financial planning Mulligan, call Manchester, CT Financial Advisor Tom Scanlon at 860-645-1515.
- [I Did the Math](https://tom-scanlon.com/i-did-the-math/) - When considering taking on debt, there are essentially two types of debt, “good” debt and “bad” debt. What is good debt? Contact Tom Scanlon, CFP, CPA for more info.
- [SPAC ATTACK (What's that?) Update](https://tom-scanlon.com/spac-attack-whats-that/) - This article is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA. Article updated August 22, 2024. A SPAC is a so-called Special Purpose Acquisition Company. Although they have been around since the early 1990’s, they have become very popular in the past year. In 2016 there was only 5 SPAC’s completed.
- [The Last Bidding War for Homes](https://tom-scanlon.com/the-last-bidding-war-for-homes/) - Has the residential real estate market been on fire or what? Wow! Everyone has a great story (sellers) or a nightmare (buyers). Keep in mind, real estate is hyper local. The amounts paid over the asking price continue to escalate. Some sellers now are not allowing a mortgage contingency for an appraisal. This contingency means
- [4 Easy Steps to Retirement](https://tom-scanlon.com/4-easy-steps-to-retirement/) - This retirement article is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA. Ah, retirement, it appears to be on a lot of folks minds. No wonder. There are 10,000 people A DAY turning 65 in the U.S. Repeat, A DAY. 1) That’s a ton of people finally putting out and heading
- [5 Easy Steps to Retirement](https://tom-scanlon.com/5-easy-steps-to-retirement-2/) - This article is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA 1) Plan For Your Retirement Sorry for having to state the obvious. You’re not going to get to retire if you don’t plan. This is the price of admission. After all, it is your retirement we are talking about here.
- [Winter Is Here!](https://tom-scanlon.com/winter-is-here/) - This article is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA In November, we wrote that Winter is Coming. In it, we detailed The Past, The Present, The Future and Action Items. Indeed, for much of the county, Winter has arrived… in spades. Like our last post, we are not talking
- [Mad Max Was Wrong](https://tom-scanlon.com/mad-max-was-wrong/) - This article is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA Mad Max 2 known as The Road Warrior was a 1981 movie that was the second installment of the Mad Max film series. The star and hero of the movie was Mel Gibson (remember him?) who played “Mad” Max. The
- [May The Odds Be Ever In Your Favor](https://tom-scanlon.com/may-the-odds-be-ever-in-your-favor/) - This article is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA The Hunger Games was a bestselling novel that was subsequently made into a movie. Both were awesome. The setting is one where the Capital is abundant in riches. The outlying 12 Districts are all living in poverty. Every year there
- [Your Home Sale Could Trigger Capital Gains Taxes](https://tom-scanlon.com/your-home-sale-could-trigger-capital-gains-taxes/) - Kate Dore, CFP of CNBC.com quotes local Manchester, CT CFP Thomas Scanlon on Thursday, May 13, 2024. KEY POINTS More home sellers now owe capital gains taxes after selling their primary residence, but it is possible to reduce the bill. There are no taxes on the first $250,000 of profit if you are single, or
- [3 Reasons to Skip the Financial New Year's Resolutions This Year](https://tom-scanlon.com/3-reasons-to-skip-the-financial-new-years-resolutions-this-year/) - If you need help with 3 Reasons to Skip the Financial New Year's Resolutions This Year, contact Thomas F. Scanlon, CPA, CFP.
- [Clear Reasons You Need to Carefully Review  Government Statistics](https://tom-scanlon.com/clear-reasons-you-need-to-carefully-review-government-statistics/) - Carefully review government statistics, learn how inflation, unemployment and other data methods impact your financial planning and investment decisions.
- [3 Simple Reasons to Avoid Private Equity in Your 401(k)](https://tom-scanlon.com/3-simple-reasons-to-avoid-private-equity-in-your-401k/) - Discover 3 key reasons to avoid private equity in your 401(k). Learn the risks and alternatives. Contact Thomas F Scanlon, CPA, CFP for advice.
- [7 Reasons Not to Wait Until Thanksgiving to be Grateful](https://tom-scanlon.com/7-reasons-not-to-wait-until-thanksgiving-to-be-grateful/) - If you need help with 7 Reasons Not to Wait for Thanksgiving to be Grateful, call Manchester, CT Financial Advisor Thomas Scanlon CFP, CPA at 860-645-1515.
- [4 Financial Lessons Learned From How to Pass in Middle School](https://tom-scanlon.com/4-financial-lessons-learned-from-how-to-pass-in-middle-school/) - If you need help with 4 Financial Lessons Learned From How to Pass in Middle School, contact Connecticut Financial Advisor Tom Scanlon, CFP at 860-645-1515.
- [Why You Need to Trust AND Verify Online Financial Advice](https://tom-scanlon.com/why-you-need-to-trust-and-verify-online-financial-advice/) - If you need help with Why You Need to Trust AND Verify Online Financial Advice, call Manchester, CT Financial Advisor, Tom Scanlon at (860) 645-1515.
- [6 Black Swans Easy to See](https://tom-scanlon.com/6-black-swans-easy-to-see/) - If you need help wih 6 Black Swans Easy to See, call Manchester, CT Financial Advisor Thomas Scanlon, CFP at (860) 645-1515.
- [6 Easy Ways to Navigate a Recession](https://tom-scanlon.com/6-easy-ways-to-navigate-a-recession/) - If you need help with 6 Easy Ways to Navigate a Recession, call Manchester, CT Financial Advisor, Thomas Scanlon, CFP, CPA at (860) 645-1515.
- [It Is Easy to See, Winter Is Coming](https://tom-scanlon.com/winter-is-coming/) - Although Winter is Coming , For help with your financial planning call Manchester Connecticut Financial Advisor Thomas Scanlon, CFP at (860) 645-1515
- [4 Things Every Investor Can Control](https://tom-scanlon.com/4-things-every-investor-can-control/) - If you need help with 4 Things Every Investor Can Control, call Manchester, CT Financial Advisor Thomas Scanlon, CFP, CPA at (860) 645-1515
- [No Deposit. No Return.](https://tom-scanlon.com/no-deposit-no-return/) - This article, last updated in December 2023, is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA. What does this mean? If you don’t put something in (deposit) you won’t get something out (return). Isn’t that the truth? This applies whether you want to learn to play the guitar, improve your culinary
- [This is NOT Your Parents Retirement](https://tom-scanlon.com/this-is-not-your-parents-retirement/) - This article, last updated in December 2023, is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA. Are you planning for your retirement? If so, keep in mind, This is NOT Your Parents Retirement. Your Parents Retirement What did your parents have when they retired? The BIG THREE which are: 1) Company
- [Why The Affluent (Mostly) Ignore the News](https://tom-scanlon.com/why-the-affluent-mostly-ignore-the-news/) - This article, last updated in December 2023, is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA. There is no shortage of new. Television, radio, newspapers, magazines and of course, the internet. 24/7/365 information is coming at you. Whoever named it the 'information age' sure got it right! Ignore It Most Savvy
- [The Difference Between Tax-Free and Taxable Investments](https://tom-scanlon.com/the-difference-between-tax-free-and-taxable-investments/) - This article, last updated in December 2023, is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA. Investors need to know the difference between tax-free and taxable investments. Tax-Free Investments One way to have tax-free investments is to own state or municipal bonds. The interest paid on these bonds is not taxable
- [Why Cash is Not Trash](https://tom-scanlon.com/why-cash-is-not-trash/) - This article, last updated in December 2023, is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA. The rates of return on cash (checking, savings, and money market) are very close to zero. This begs the question, "Why have any cash in the portfolio?" Some commentators have even suggested that "Cash is
- [Only The Thrifty Survive](https://tom-scanlon.com/only-the-thrifty-survive/) - This article, last updated in December 2023, is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA. Andy Grove, the retired CEO of Intel wrote a book, Only the Paranoid Survive. It's tough to argue with the title of this book. We are just going to tweak this to, Only the Thrifty
- [3 Things In Life You Only Want the Best Of](https://tom-scanlon.com/3-things-in-life-you-only-want-the-best-of-2/) - This article, last updated in December 2023, is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA. 1) Seat Belts - Pretty Obvious 2) Parachutes - Any Questions? 3) Financial Advice OK, financial advice maybe not be on your list of the, 3 Things in Life You Only Want the Best
- [The Roaring Twenties 2.0 - Revisited!](https://tom-scanlon.com/the-roaring-twenties-2-0-revisited/) - This article is original content, last update in December 2023, written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA. All the way back in January, 2020 we wrote about The Roaring Twenties 2.0. What has been the biggest change since then? The Pandemic No question. It would be easier to describe what the Pandemic
- [The Difference Between Good Debt and Bad Debt](https://tom-scanlon.com/the-difference-between-good-debt-and-bad-debt/) - This article is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA Good Debt For most folks one of their primary goals is to be Debt Free. With that said, there will be times when it is appropriate to borrow money. Good Debt is borrowing to purchase a home. If managed appropriately,
- [MarketWatch Quotes Tom On Taking Your RMD](https://tom-scanlon.com/marketwatch-quotes-tom-taking-your-rmd/) - Local Raymond James Financial Advisor Thomas F. Scanlon, CFP®, CPA of Manchester, CT quoted by MarketWatch on January 6, 2023. First Published: Jan. 6, 2023 by Alessandra Malito for MarketWatch Live. Those celebrating a 72nd birthday this year have more time before having to pull money from retirement accounts Anyone turning 72 years old in
- [5 Easy Ways to Plan for the Certainty of Your Financial Uncertainty](https://tom-scanlon.com/5-easy-ways-to-plan-for-the-certainty-of-your-financial-uncertainty/) - 5 Easy Ways to Plan for the Certainty of Your Financial Uncertainty. Manchester, CT Financial Advisor Thomas Scanlon, 860-645-1515.
- [Why Defense First Wins Your Financial Planning Game](https://tom-scanlon.com/why-defense-first-wins-your-financial-planning-game/) - Manchester, CT Tom Scanlon, CPA, CFP gives great financial planning advice
- [It's Not a Matter of "IF" Something Will Go Wrong, But "When"](https://tom-scanlon.com/its-not-a-matter-of-if-something-will-go-wrong-but-when/) - Local CPA, CFP® Tom Scanlon of Raymond James Financial Services in Manchester, CT quoted in national AARP article. Read 7 practical tips on how to build an emergency fund to cover unexpected expenses.
- [Scanlon Quoted in Barrons.com](https://tom-scanlon.com/scanlon-quoted-in-barrons-com/) - Read what local Manchester, CT Certified Financial Planner Thomas F. Scanlon, CPA and President at Borgida & Company, P.C. said that got quoted in Barrons.com on August 16, 2022. By Tom Taulli; Original Aug. 16, 2022 3:41pm ET A Roth Conversion Can Help With your Taxes. Here's How. The first half of this year marked
- [6 Easy Retirement Distribution Steps to Save Money & Taxes](https://tom-scanlon.com/6-easy-retirement-distribution-steps-to-save-money-taxes/) - This article on savings during retirement is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA at Borgida & Company, P.C. 1.Consider Working One Year Longer Than You Planned Not exactly what you wanted to hear, right? Sorry about that. Stick with me here. Why would we suggest this? It is one
- [Scanlon Quoted by MarketWatch on the Flexibility of Renting During Retirement](https://tom-scanlon.com/scanlon-quoted-by-marketwatch-on-the-flexibility-of-renting-during-retirement/) - Local Manchester, CT Certified Financial Planner Thomas F. Scanlon, CPA and President at Borgida & Company, P.C. quoted by Marketwatch.com on August 2, 2022. Published: Aug. 2, 2022 at 12:54 p.m. ETBy Alessandra Malito Dear MarketWatch, My wife and I are 64 and 65 years old, respectively. I plan on retiring in two years when
- [Scanlon Quoted by MarketWatch about Cutting Down Your Budget](https://tom-scanlon.com/scanlon-quoted-by-marketwatch-about-cutting-down-your-budget/) - Local Manchester, CT CPA, CFP Thomas F. Scanlon quoted by Marketwatch.com on June 13, 2022. Personal savings are being depleted as Americans cope with red-hot inflation. People are being forced to make ‘difficult choices’ Last Updated: June 18, 2022 By Zoe Han Americans accumulated extra savings during the pandemic, but that money is fast dwindling because
- [Tom Quoted on CNBC about Tax Consequences of Getting Proof of Home Improvements for Tax Purposes](https://tom-scanlon.com/tom-quoted-on-cnbc-about-tax-consequences-of-getting-proof-of-home-improvements-for-tax-purposes/) - Local CFP, Local CPA, CFP Thomas F. Scanlon of Manchester, CT quoted by CNBC.com on July 5, 2022. These 5 metros have the most million-dollar homes: If you’re selling, here’s what to know about the tax consequences PUBLISHED TUE, JUL 5 20227:30 AM EDTUPDATED TUE, JUL 5 20227:39 AM EDT Kate Dore, CFP®@KATEDORE Million-dollar homes
- [Tom Quoted on MarketWatch on May 31, 2022 About Saving Money on College Tuition](https://tom-scanlon.com/tom-quoted-on-marketwatch-on-may-31-2022-about-saving-money-on-college-tuition/) - Local CPA, CFP Thomas F. Scanlon of Manchester, CT quoted by Marketwatch.com on May 31, 2022. This is the most expensive state to be a college student — plus tips from experts on how to save money Published: May 31, 2022 at 5:54 a.m. ET By Zoe Han Finding the best financial and academic fit for
- [3 Easy Things to Know to Get Tax Smart Investing](https://tom-scanlon.com/3-easy-things-to-know-to-get-tax-smart-investing/) - This article is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA 1. Know Where to Start Most advice would suggest starting with knowing your goals. This is good advice with financial planning; it’s just not the first place to start. The first step is to have an adequate Cash Reserve. Everyone
- [Tom Quoted by Marketwatch.com on How to Help Protect Your Family](https://tom-scanlon.com/tom-quoted-by-marketwatch-com-on-how-to-help-protect-your-family/) - Local CPA, CFP Thomas F. Scanlon of Manchester, CT quoted by Marketwatch.com on December 17, 2021. There are a few other considerations you can make to help you feel extra confident in your finances. For example, you might want to consider a level term life insurance policy, which would protect your family if something were
- [Is the 4% Safe Withdrawal Rate In Retirement Dead?](https://tom-scanlon.com/is-the-4-safe-withdrawal-rate-in-retirement-dead/) - This retirement article is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA. What is the 4% Rule? Bill Bengen, now a retired Financial Advisor, put forth the 4% ‘Safe’ Withdrawal Rule in the Journal of Financial Planning in 1994. The 4% Rule essentially provides a useful rule of thumb that says
- [The Last Meme Stock](https://tom-scanlon.com/the-last-meme-stock/) - This stock article is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA. What is a Meme Stock? There are Meme Stock online communities that hype and create frenzy with particular shares of stock. This is primarily done by individual investors using online tools like Reddit, Twitter (TWTR) and Meta Platforms, formerly
- [Tom Quoted by CNBC.com on Traditional Rules for Building Wealth](https://tom-scanlon.com/tom-quoted-by-cnbc-com-on-traditional-rules-for-building-wealth/) - Local CPA, CFP Thomas F. Scanlon of Manchester, CT quoted by CNBC.com on October 19, 2021. Read full article here. Opinions expressed in the attached article are those of the author and are not necessarily those of Raymond James. All opinions are as of this date and are subject to change without notice. The information
- [Capital Gain Distributions and Tax Loss Harvesting](https://tom-scanlon.com/capital-gain-distributions-and-tax-loss-harvesting/) - CT capital gain distribution explained
- [6 Questions to Ask Your Prospective Financial Advisor](https://tom-scanlon.com/6-questions-to-ask-your-prospective-financial-advisor/) - This article is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA You've decided you need a financial advisor. Or perhaps you have a financial advisor and you've decided you need a second opinion. Here are 6 Questions to ask your prospective Financial Advisor. 1) How Long Have You Been Practicing? This is
- [The Last Mortgage Refinance](https://tom-scanlon.com/the-last-mortgage-refinance/) - This article is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA I know it’s not breaking news that mortgage rates are low. They are very low in fact. At the last Federal Open Market Committee (“FOMC”) meeting in September they elected to keep the Federal Funds Rate unchanged. The FOMC is
- [How to Use the Tax Code to Retire in Style](https://tom-scanlon.com/how-to-use-the-tax-code-to-retire-in-style/) - This article is original content written by Manchester, CT Financial Advisor Thomas Scanlon, CFP®, CPA How do you envision your retirement? Spending long, lazy days at the beach? Spending more time with your grandchildren? Going golfing or fishing a lot more? Everyone has their own ideal retirement plan. Want more help getting to your retirement?
- [5 Easy Steps to Get a Paycheck in Retirement](https://tom-scanlon.com/5-easy-steps-to-get-a-paycheck-in-retirement/) - Retirement Planning

## Pages

- [Home](https://tom-scanlon.com/) - Located in Manchester, CT, Tom and his team serve clients throughout Connecticut and New England.
- [Website Accessibility](https://tom-scanlon.com/website-accessibility/) - Thomas F. Scanlon, CFP®, CPA is committed to providing a user-friendly online experience for all visitors, regardless of their device type or reliance on assistive technology. Every website visitor should be able to access our site at https://tom-scanlon.com. Our website endeavors to follow the World Wide Web Consortium (W3C) Web Content Accessibility Guidelines. Despite our
- [Do you need a ‘Second Opinion’ on your family’s financial plan?](https://tom-scanlon.com/do-you-need-a-second-opinion-on-your-familys-financial-plan/) - We believe it’s important to get a second opinion on your family’s financial plan. We’d like to help, if we can, and to that end, here’s what we offer: A cup of coffee + a Second Opinion = Win-Win By appointment, you’re welcome to come in and sit with us for a while. We’ll ask you
- [Contact Us](https://tom-scanlon.com/contact-us/) - Our office location: 391 Center StreetManchester, CT 06040Phone (860) 645-1515Fax (860) 955-6417 To e-mail us regarding financial services please use the form on the right.
- [Asset Allocation](https://tom-scanlon.com/the-financial-services/asset-allocation/) - Asset Allocation(1) is a process that strives to balance risk and reward by allocating assets in a portfolio among the major asset classes of stocks, bonds, real estate and cash. This is a critical step in accumulating and preserving your investable net worth. One study(2) found that 94% of the returns you achieve are related
- [About](https://tom-scanlon.com/the-team/) - Thomas F. Scanlon, CPA, CFP® Tom has an extensive background in the areas of financial, tax and estate planning. He provides customized wealth management solutions to clients with sophisticated needs. Tom affiliated with Raymond James Financial Services, Inc. to provide independent financial planning services. Tom is a CERTIFIED FINANCIAL PLANNER™ Practitioner and a Certified Public
- [Estate Planning](https://tom-scanlon.com/the-financial-services/estate-planning/) - We will work closely with your estate planning attorney to create an effective estate plan for you and your family. The essential estate planning documents are: A WillPower of AttorneyHealth Care ProxyPerhaps a Trust Your will and trust agreement, if you have one, directs who gets your ‘stuff’ and when. The Power of Attorney will
- [Retirement Planning](https://tom-scanlon.com/the-financial-services/retirement-planning/) - Retirement planning is one goal (almost) everyone has. Yes, we have some clients that really enjoy their careers and want to work…. forever. Good for them. For everyone else, keep in mind: This is not your father’s (or grandfather’s) retirement. Their retirement plan had a reasonably secure four-legged stool including: A PensionSocial Security401(k) PlanSavings The
- [Financial Planning](https://tom-scanlon.com/the-financial-services/financial-planning/) - Everyone needs their own personal financial plan. This plan doesn’t need to be overly complicated. Long elaborate plans tend to sit in a desk drawer gathering dust. This does no one any good. Your financial plan may need to more complicated than writing it on the back of a cocktail napkin. But perhaps not too
- [The Financial Services](https://tom-scanlon.com/the-financial-services/) - We help clients achieve financial independence through professional advice, sound risk management, quality investment products, and personal, efficient service. Call Tom at 860-645-1515.
- [The Financial Roadmap Experience](https://tom-scanlon.com/the-financial-roadmap-experience/) - Step 1: The R.O.S. Conversation The R. O. S. conversation is the first step in learning about you. This meeting is dedicated to identifying your Risks, Opportunities and Strengths (R.O.S.). It allows us to gain a better understanding of your unique and individual needs. With this understanding and background, we will be better able to
- [Resources](https://tom-scanlon.com/resources/) - Client Access How to Videos Watch these videos to learn new ways to connect to your accounts anytime, anywhere with Client Access. Discover how to deposit checks using the camera on your smartphone or tablet, see your statements and change your account preferences with this easy-to-use platform. It’s all part of our commitment to helping
- [Your Good Deed Will Help Many-2019 FALL FOOD DRIVE UNDERWAY](https://tom-scanlon.com/your-good-deed-will-help-many-2019-fall-food-drive-underway/) - Fall Food Drive Please help us pay it forward. Tom Scanlon, CPA, CFP®, and staff are holding our 14thAnnual Food Drive to benefit MACC Charities. Your good deed can help many!! Food Drop-off Dates: November 1-December 6, 2019 What To Donate: Any non-perishable food item. Needed items include tuna fish, stews, canned fruits and vegetables,
- [Sitemap](https://tom-scanlon.com/sitemap/)

## Tags

- [Financial Advisor](https://tom-scanlon.com/tag/financial-advisor/)
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- [Inflation Rate](https://tom-scanlon.com/tag/inflation-rate/)
- [Unemployment Rate](https://tom-scanlon.com/tag/unemployment-rate/)
- [The Fed](https://tom-scanlon.com/tag/the-fed/)
- [Health Savings Accounts](https://tom-scanlon.com/tag/health-savings-accounts/)
- [Labor Force Participation Rate](https://tom-scanlon.com/tag/labor-force-participation-rate/)
- [U-3](https://tom-scanlon.com/tag/u-3/)
- [U-6](https://tom-scanlon.com/tag/u-6/)
- [Equity Markets](https://tom-scanlon.com/tag/equity-markets/)
- [Student Debt](https://tom-scanlon.com/tag/student-debt/)
- [Consumer Confidence](https://tom-scanlon.com/tag/consumer-confidence/)
- [Homeowners](https://tom-scanlon.com/tag/homeowners/)
- [Apple](https://tom-scanlon.com/tag/apple/)
- [AGI](https://tom-scanlon.com/tag/agi/)
- [Appreciated Property](https://tom-scanlon.com/tag/appreciated-property/)
- [Captial Gains](https://tom-scanlon.com/tag/captial-gains/)
- [Federal Open Market Committee](https://tom-scanlon.com/tag/federal-open-market-committee/)
- [Property Taxes](https://tom-scanlon.com/tag/property-taxes/)
- [Rule of 72](https://tom-scanlon.com/tag/rule-of-72/)
- [Capital Gains Tax](https://tom-scanlon.com/tag/capital-gains-tax/)
- [Collectibles](https://tom-scanlon.com/tag/collectibles/)
- [Darwin](https://tom-scanlon.com/tag/darwin/)
- [Ibbotson](https://tom-scanlon.com/tag/ibbotson/)
- [Tax Bracket](https://tom-scanlon.com/tag/tax-bracket/)
- [CD](https://tom-scanlon.com/tag/cd/)
- [Sharing Economy](https://tom-scanlon.com/tag/sharing-economy/)
- [Oil](https://tom-scanlon.com/tag/oil/)
- [Mortgage Rates](https://tom-scanlon.com/tag/mortgage-rates/)
- [Apple Pay](https://tom-scanlon.com/tag/apple-pay/)
- [S & P 500 Index](https://tom-scanlon.com/tag/s-p-500-index/)
- [Gold](https://tom-scanlon.com/tag/gold/)
- [Farmington Canal Heritage Trail](https://tom-scanlon.com/tag/farmington-canal-heritage-trail/)
- [Black Bear](https://tom-scanlon.com/tag/black-bear/)
- [Warren Buffett](https://tom-scanlon.com/tag/warren-buffett/)
- [Peter Lynch](https://tom-scanlon.com/tag/peter-lynch/)
- [Peter Bernstein](https://tom-scanlon.com/tag/peter-bernstein/)
- [The Intelligent Investor](https://tom-scanlon.com/tag/the-intelligent-investor/)
- [Income Tax-Free](https://tom-scanlon.com/tag/income-tax-free/)
- [Connecticut Drivers](https://tom-scanlon.com/tag/connecticut-drivers/)
- [Federal Estate Tax](https://tom-scanlon.com/tag/federal-estate-tax/)
- [Health Care Proxy](https://tom-scanlon.com/tag/health-care-proxy/)
- [Qualified Charitable Distribution](https://tom-scanlon.com/tag/qualified-charitable-distribution/)
- [QCD](https://tom-scanlon.com/tag/qcd/)
- [Estate Tax Exclusion](https://tom-scanlon.com/tag/estate-tax-exclusion/)
- [Inherited IRA](https://tom-scanlon.com/tag/inherited-ira/)
- [Income Tax Penalty](https://tom-scanlon.com/tag/income-tax-penalty/)
- [IRS Form 8606](https://tom-scanlon.com/tag/irs-form-8606/)
- [Beneficary](https://tom-scanlon.com/tag/beneficary/)
- [Beneficiary Designation](https://tom-scanlon.com/tag/beneficiary-designation/)
- [Wealth Transfer](https://tom-scanlon.com/tag/wealth-transfer/)
- [Enron](https://tom-scanlon.com/tag/enron/)
- [Congress](https://tom-scanlon.com/tag/congress/)
- [Bill Gates](https://tom-scanlon.com/tag/bill-gates/)
- [Microsoft](https://tom-scanlon.com/tag/microsoft/)
- [Rhode Island](https://tom-scanlon.com/tag/rhode-island/)
- [Narragansett](https://tom-scanlon.com/tag/narragansett/)
- [Harvard](https://tom-scanlon.com/tag/harvard/)
- [Homeownership](https://tom-scanlon.com/tag/homeownership/)
- [Rainy Day Fund](https://tom-scanlon.com/tag/rainy-day-fund/)
- [Term Life Insurance](https://tom-scanlon.com/tag/term-life-insurance/)
- [Dependents](https://tom-scanlon.com/tag/dependents/)
- [Financial Planner](https://tom-scanlon.com/tag/financial-planner/)
- [Bill Bengen](https://tom-scanlon.com/tag/bill-bengen/)
- [4% Withdrawl Rate](https://tom-scanlon.com/tag/4-withdrawl-rate/)
- [Capitalism](https://tom-scanlon.com/tag/capitalism/)
- [Connecticut Income Tax Rates](https://tom-scanlon.com/tag/connecticut-income-tax-rates/)
- [Death Benefit](https://tom-scanlon.com/tag/death-benefit/)
- [FOMC](https://tom-scanlon.com/tag/fomc/)
- [U. S. Treasury Securities](https://tom-scanlon.com/tag/u-s-treasury-securities/)
- [Federal Home Loan Mortgage Corporation](https://tom-scanlon.com/tag/federal-home-loan-mortgage-corporation/)
- [Freddie Mac](https://tom-scanlon.com/tag/freddie-mac/)
- [TRID](https://tom-scanlon.com/tag/trid/)
- [Private Mortgage Insurance](https://tom-scanlon.com/tag/private-mortgage-insurance/)
- [PMI](https://tom-scanlon.com/tag/pmi/)
- [W-2](https://tom-scanlon.com/tag/w-2/)
- [Presidental Election](https://tom-scanlon.com/tag/presidental-election/)
- [Points](https://tom-scanlon.com/tag/points/)
- [Refinance](https://tom-scanlon.com/tag/refinance/)
- [Grateful](https://tom-scanlon.com/tag/grateful/)
- [Thanksgiving](https://tom-scanlon.com/tag/thanksgiving/)
- [Migrants](https://tom-scanlon.com/tag/migrants/)
- [CD's](https://tom-scanlon.com/tag/cds/)
- [Recession](https://tom-scanlon.com/tag/recession/)
- [Dual Mandate](https://tom-scanlon.com/tag/dual-mandate/)
- [Estate](https://tom-scanlon.com/tag/estate/)
- [Trust](https://tom-scanlon.com/tag/trust/)
- [Irrevocable Life Insurance Trust](https://tom-scanlon.com/tag/irrevocable-life-insurance-trust/)
- [ILIT](https://tom-scanlon.com/tag/ilit/)
- [Guardian](https://tom-scanlon.com/tag/guardian/)
- [Intestacy Rules](https://tom-scanlon.com/tag/intestacy-rules/)
- [Probate Court](https://tom-scanlon.com/tag/probate-court/)
- [Connecticut Probate Court](https://tom-scanlon.com/tag/connecticut-probate-court/)
- [Permanent Insurance](https://tom-scanlon.com/tag/permanent-insurance/)
- [Level Term Life Insurance](https://tom-scanlon.com/tag/level-term-life-insurance/)
- [Estate Tax Rate](https://tom-scanlon.com/tag/estate-tax-rate/)
- [Unemployment](https://tom-scanlon.com/tag/unemployment/)
- [New Year's Resolutions](https://tom-scanlon.com/tag/new-years-resolutions/)
- [Economics](https://tom-scanlon.com/tag/economics/)
- [Economics 101](https://tom-scanlon.com/tag/economics-101/)
- [OPEC](https://tom-scanlon.com/tag/opec/)
- [Connecticut Water Service](https://tom-scanlon.com/tag/connecticut-water-service/)
- [SEP](https://tom-scanlon.com/tag/sep/)
- [Home Depot](https://tom-scanlon.com/tag/home-depot/)
- [individual account](https://tom-scanlon.com/tag/individual-account/)
- [IPO](https://tom-scanlon.com/tag/ipo/)
- [Tax Loss Harvesting](https://tom-scanlon.com/tag/tax-loss-harvesting/)
- [Wash Sale Rule](https://tom-scanlon.com/tag/wash-sale-rule/)
- [S&P 500 Index](https://tom-scanlon.com/tag/sp-500-index/)
- [Capital Gains Distribution](https://tom-scanlon.com/tag/capital-gains-distribution/)
- [The Roaring '20s](https://tom-scanlon.com/tag/the-roaring-20s/)
- [technolog](https://tom-scanlon.com/tag/technolog/)
- [employment](https://tom-scanlon.com/tag/employment/)
- [trade](https://tom-scanlon.com/tag/trade/)
- [great recession 2007-2009](https://tom-scanlon.com/tag/great-recession-2007-2009/)
- [Market Correction](https://tom-scanlon.com/tag/market-correction/)
- [Great Depression](https://tom-scanlon.com/tag/great-depression/)
- [Wall Street Crash](https://tom-scanlon.com/tag/wall-street-crash/)
- [Hartford](https://tom-scanlon.com/tag/hartford/)
- [Certified Financial Planners](https://tom-scanlon.com/tag/certified-financial-planners/)
- [Special Purpose Acquisition Company](https://tom-scanlon.com/tag/special-purpose-acquisition-company/)
- [SPAC](https://tom-scanlon.com/tag/spac/)
- [Initial Public Offering](https://tom-scanlon.com/tag/initial-public-offering/)
- [Peter Thiel](https://tom-scanlon.com/tag/peter-thiel/)
- [Paypal](https://tom-scanlon.com/tag/paypal/)
- [Limited Partnership](https://tom-scanlon.com/tag/limited-partnership/)
- [Great Recession](https://tom-scanlon.com/tag/great-recession/)
- [Work-From-Home](https://tom-scanlon.com/tag/work-from-home/)
- [WFH](https://tom-scanlon.com/tag/wfh/)
- [inspection contingency](https://tom-scanlon.com/tag/inspection-contingency/)
- [Hubbard's clause contingency](https://tom-scanlon.com/tag/hubbards-clause-contingency/)
- [Emergency Fund](https://tom-scanlon.com/tag/emergency-fund/)
- [AARP](https://tom-scanlon.com/tag/aarp/)
- [health savings plan](https://tom-scanlon.com/tag/health-savings-plan/)
- [HSA](https://tom-scanlon.com/tag/hsa/)
- [tax free](https://tom-scanlon.com/tag/tax-free-2/)
- [tax deferred](https://tom-scanlon.com/tag/tax-deferred-2/)
- [Pandemic](https://tom-scanlon.com/tag/pandemic/)
- [Covid-19](https://tom-scanlon.com/tag/covid-19/)
- [FANG](https://tom-scanlon.com/tag/fang/)
- [Meme Stocks](https://tom-scanlon.com/tag/meme-stocks/)
- [Game Stop](https://tom-scanlon.com/tag/game-stop/)
- [AMC Entertainment](https://tom-scanlon.com/tag/amc-entertainment/)
- [Blackberry](https://tom-scanlon.com/tag/blackberry/)
- [Nokia](https://tom-scanlon.com/tag/nokia/)
- [Robinhood](https://tom-scanlon.com/tag/robinhood/)
- [Draftking](https://tom-scanlon.com/tag/draftking/)
- [Berkshire Hathoway](https://tom-scanlon.com/tag/berkshire-hathoway/)
- [Twitter](https://tom-scanlon.com/tag/twitter/)
- [Peleton](https://tom-scanlon.com/tag/peleton/)
- [Nordic Track](https://tom-scanlon.com/tag/nordic-track/)
- [ETF's](https://tom-scanlon.com/tag/etfs/)
- [cost basis](https://tom-scanlon.com/tag/cost-basis/)
- [Manchester](https://tom-scanlon.com/tag/manchester/)
- [Revision](https://tom-scanlon.com/tag/revision/)
- [Certified Public Accountant](https://tom-scanlon.com/tag/certified-public-accountant/)
- [CFP](https://tom-scanlon.com/tag/cfp/)
- [MarketWatch](https://tom-scanlon.com/tag/marketwatch/)
- [tax benefits](https://tom-scanlon.com/tag/tax-benefits/)
- [tax brackets](https://tom-scanlon.com/tag/tax-brackets/)
- [ETF](https://tom-scanlon.com/tag/etf/)
- [Exhange Traded Funds](https://tom-scanlon.com/tag/exhange-traded-funds/)
- [Meme Stock](https://tom-scanlon.com/tag/meme-stock/)
- [sam bankman-fried](https://tom-scanlon.com/tag/sam-bankman-fried/)
- [sbf](https://tom-scanlon.com/tag/sbf/)
- [ftx](https://tom-scanlon.com/tag/ftx/)
- [creative destruction](https://tom-scanlon.com/tag/creative-destruction/)
- [artificial intelligence](https://tom-scanlon.com/tag/artificial-intelligence/)
- [ChatGPT](https://tom-scanlon.com/tag/chatgpt/)
- [Steve Jobs](https://tom-scanlon.com/tag/steve-jobs/)
- [Black Swan](https://tom-scanlon.com/tag/black-swan/)
- [Russia](https://tom-scanlon.com/tag/russia/)
- [Federal Reserve Boad](https://tom-scanlon.com/tag/federal-reserve-boad/)
- [taxes](https://tom-scanlon.com/tag/taxes/)
- [certified financial planner](https://tom-scanlon.com/tag/certified-financial-planner/)
- [Sale of Primary Residence](https://tom-scanlon.com/tag/sale-of-primary-residence/)
- [Treasury Bills](https://tom-scanlon.com/tag/treasury-bills/)
- [T-Bills](https://tom-scanlon.com/tag/t-bills/)
- [Money Market Funds](https://tom-scanlon.com/tag/money-market-funds/)
- [Magnificant Seven](https://tom-scanlon.com/tag/magnificant-seven/)
- [SECURE Act](https://tom-scanlon.com/tag/secure-act/)
- [Backdoor Roth IRA](https://tom-scanlon.com/tag/backdoor-roth-ira/)
- [Health Savings Account](https://tom-scanlon.com/tag/health-savings-account/)
- [Economic Slowdown](https://tom-scanlon.com/tag/economic-slowdown/)
- [Savings Plan](https://tom-scanlon.com/tag/savings-plan/)
- [Housing Crisis](https://tom-scanlon.com/tag/housing-crisis/)
- [J.D. Power Award](https://tom-scanlon.com/tag/j-d-power-award/)
- [Roth IRA Conversion](https://tom-scanlon.com/tag/roth-ira-conversion/)
- [Donor Advised Fund](https://tom-scanlon.com/tag/donor-advised-fund/)
- [DAF](https://tom-scanlon.com/tag/daf/)
- [ETFs](https://tom-scanlon.com/tag/etfs-2/)
- [4% Rule](https://tom-scanlon.com/tag/4-rule/)
- [The Great Resignation](https://tom-scanlon.com/tag/the-great-resignation/)
- [Medicare](https://tom-scanlon.com/tag/medicare/)
- [OpenAI](https://tom-scanlon.com/tag/openai/)
- [Private Equity](https://tom-scanlon.com/tag/private-equity/)
- [Alternative Investments](https://tom-scanlon.com/tag/alternative-investments/)
- [Yale Model](https://tom-scanlon.com/tag/yale-model/)
- [Price Earnings Ratio](https://tom-scanlon.com/tag/price-earnings-ratio/)
- [Dividend Yield](https://tom-scanlon.com/tag/dividend-yield/)
- [2008-2009 Great Recession](https://tom-scanlon.com/tag/2008-2009-great-recession/)
- [Stock Split](https://tom-scanlon.com/tag/stock-split/)
- [Asset Location](https://tom-scanlon.com/tag/asset-location/)
- [Defined Contribution Plans](https://tom-scanlon.com/tag/defined-contribution-plans/)
- [Stock Market Math](https://tom-scanlon.com/tag/stock-market-math/)
- [Payout Ratio](https://tom-scanlon.com/tag/payout-ratio/)
- [Tax-Efficient Investments](https://tom-scanlon.com/tag/tax-efficient-investments/)
- [IRA Contribution Limits](https://tom-scanlon.com/tag/ira-contribution-limits/)
- [Back Door Roth IRA](https://tom-scanlon.com/tag/back-door-roth-ira/)
- [High Income Earners](https://tom-scanlon.com/tag/high-income-earners/)
- [Retirement Savers](https://tom-scanlon.com/tag/retirement-savers/)
- [Pro Rata Rule](https://tom-scanlon.com/tag/pro-rata-rule/)
- [Debt Reduction](https://tom-scanlon.com/tag/debt-reduction/)
- [Financial Habits](https://tom-scanlon.com/tag/financial-habits/)
- [Cash Reserve Find](https://tom-scanlon.com/tag/cash-reserve-find/)
- [Equity Investments](https://tom-scanlon.com/tag/equity-investments/)
- [Wealth Management](https://tom-scanlon.com/tag/wealth-management/)
- [Long-Term Investing](https://tom-scanlon.com/tag/long-term-investing/)
- [Rules of Investing](https://tom-scanlon.com/tag/rules-of-investing/)
- [Thomas Scanlon](https://tom-scanlon.com/tag/thomas-scanlon/)
- [Personal Finance](https://tom-scanlon.com/tag/personal-finance/)
- [Money Management](https://tom-scanlon.com/tag/money-management/)
- [Family Business](https://tom-scanlon.com/tag/family-business/)
- [Hiring Grandchildren](https://tom-scanlon.com/tag/hiring-grandchildren/)
- [Small Business Tips](https://tom-scanlon.com/tag/small-business-tips/)
- [Tax Strategies](https://tom-scanlon.com/tag/tax-strategies/)
- [Payroll Compliance](https://tom-scanlon.com/tag/payroll-compliance/)
- [Generational Wealth](https://tom-scanlon.com/tag/generational-wealth/)
- [Work Ethic](https://tom-scanlon.com/tag/work-ethic/)
- [Connecticut Business](https://tom-scanlon.com/tag/connecticut-business/)
- [Government Statistics](https://tom-scanlon.com/tag/government-statistics/)
- [Housing Market](https://tom-scanlon.com/tag/housing-market/)
- [Healthcare Costs](https://tom-scanlon.com/tag/healthcare-costs/)
- [Tax Filing](https://tom-scanlon.com/tag/tax-filing/)
- [Tax Deductions](https://tom-scanlon.com/tag/tax-deductions/)
- [Estimated Tax Payments](https://tom-scanlon.com/tag/estimated-tax-payments/)
- [Tax Extension](https://tom-scanlon.com/tag/tax-extension/)
- [IRS Forms](https://tom-scanlon.com/tag/irs-forms/)
- [Connecticut Taxes](https://tom-scanlon.com/tag/connecticut-taxes/)
- [Behavioral Finance](https://tom-scanlon.com/tag/behavioral-finance/)
- [Investor Psychology](https://tom-scanlon.com/tag/investor-psychology/)
- [Roth 401(k)](https://tom-scanlon.com/tag/roth-401k/)
- [Health Savings Account (HSA)](https://tom-scanlon.com/tag/health-savings-account-hsa/)
- [Required Minimum Distribution (RMD)](https://tom-scanlon.com/tag/required-minimum-distribution-rmd/)
- [Diet and Exercise](https://tom-scanlon.com/tag/diet-and-exercise/)
- [Habits](https://tom-scanlon.com/tag/habits/)
- [Media Influence](https://tom-scanlon.com/tag/media-influence/)
- [Investment Advice](https://tom-scanlon.com/tag/investment-advice/)
- [Manchester CT Financial Advisor](https://tom-scanlon.com/tag/manchester-ct-financial-advisor/)
- [Emotional Investing](https://tom-scanlon.com/tag/emotional-investing/)
- [Roaring Twenties 2.0](https://tom-scanlon.com/tag/roaring-twenties-2-0/)
- [Economic Lessons](https://tom-scanlon.com/tag/economic-lessons/)
- [Pandemic Impact](https://tom-scanlon.com/tag/pandemic-impact/)
- [Technology Trends](https://tom-scanlon.com/tag/technology-trends/)
- [Employment Trends](https://tom-scanlon.com/tag/employment-trends/)
- [Minimum Wage](https://tom-scanlon.com/tag/minimum-wage/)
- [Trade Issues](https://tom-scanlon.com/tag/trade-issues/)
- [Portfolio Turnover](https://tom-scanlon.com/tag/portfolio-turnover/)
- [Investing Rules of the Road](https://tom-scanlon.com/tag/investing-rules-of-the-road/)
- [Financial Discipline](https://tom-scanlon.com/tag/financial-discipline/)
- [Estimated Taxes](https://tom-scanlon.com/tag/estimated-taxes/)
- [Cash Flow Management](https://tom-scanlon.com/tag/cash-flow-management/)
- [Teaching Kids About Money](https://tom-scanlon.com/tag/teaching-kids-about-money/)
- [Budgeting](https://tom-scanlon.com/tag/budgeting/)
- [Financial Literacy](https://tom-scanlon.com/tag/financial-literacy/)
- [Social Security Haircut](https://tom-scanlon.com/tag/social-security-haircut/)
- [Social Security benefit reduction](https://tom-scanlon.com/tag/social-security-benefit-reduction/)
- [Social Security Trust Fund](https://tom-scanlon.com/tag/social-security-trust-fund/)
- [Social Security insolvency 2033](https://tom-scanlon.com/tag/social-security-insolvency-2033/)
- [Social Security Taxes](https://tom-scanlon.com/tag/social-security-taxes/)
- [Collecting Social Security Early](https://tom-scanlon.com/tag/collecting-social-security-early/)
- [Tax-Advantaged Savings](https://tom-scanlon.com/tag/tax-advantaged-savings/)
- [Thomas Scanlon CFP](https://tom-scanlon.com/tag/thomas-scanlon-cfp/)
- [Retirement Strategies](https://tom-scanlon.com/tag/retirement-strategies/)
- [Social Security Reform](https://tom-scanlon.com/tag/social-security-reform/)
- [College Funding Strategies](https://tom-scanlon.com/tag/college-funding-strategies/)
- [Financial Planning for Families](https://tom-scanlon.com/tag/financial-planning-for-families/)
- [Spending Habits](https://tom-scanlon.com/tag/spending-habits/)
- [Lifetime Tax Planning](https://tom-scanlon.com/tag/lifetime-tax-planning/)
- [Retirement Tax Planning](https://tom-scanlon.com/tag/retirement-tax-planning/)
- [Income Tax Strategies](https://tom-scanlon.com/tag/income-tax-strategies/)
- [Investment Planning](https://tom-scanlon.com/tag/investment-planning/)
- [Financial Planning Lessons](https://tom-scanlon.com/tag/financial-planning-lessons/)
- [Diversified Investing](https://tom-scanlon.com/tag/diversified-investing/)
- [Investor Behavior](https://tom-scanlon.com/tag/investor-behavior/)
- [Investing in Yourself](https://tom-scanlon.com/tag/investing-in-yourself/)
- [Purchasing Power](https://tom-scanlon.com/tag/purchasing-power/)
- [Inflation Risk](https://tom-scanlon.com/tag/inflation-risk/)
- [Investment Strategy](https://tom-scanlon.com/tag/investment-strategy/)
- [Tax Refund](https://tom-scanlon.com/tag/tax-refund/)
- [Personal Fianance](https://tom-scanlon.com/tag/personal-fianance/)
- [Innovation](https://tom-scanlon.com/tag/innovation/)
- [Long-Term Growth](https://tom-scanlon.com/tag/long-term-growth/)
- [Market Cycles](https://tom-scanlon.com/tag/market-cycles/)
- [Capital Allocation](https://tom-scanlon.com/tag/capital-allocation/)
- [Investment Discipline](https://tom-scanlon.com/tag/investment-discipline/)
- [Technology Disruption](https://tom-scanlon.com/tag/technology-disruption/)
- [America 250](https://tom-scanlon.com/tag/america-250/)
- [Economic History](https://tom-scanlon.com/tag/economic-history/)
- [Relisence](https://tom-scanlon.com/tag/relisence/)
- [Financial Perspective](https://tom-scanlon.com/tag/financial-perspective/)
- [Tax-efficient investing](https://tom-scanlon.com/tag/tax-efficient-investing/)
- [After-Tax Returns](https://tom-scanlon.com/tag/after-tax-returns/)
- [Tax-Aware Investing](https://tom-scanlon.com/tag/tax-aware-investing/)
- [Investment Account Types](https://tom-scanlon.com/tag/investment-account-types/)
- [Social Security Planning](https://tom-scanlon.com/tag/social-security-planning/)
- [Mid-Year Planning](https://tom-scanlon.com/tag/mid-year-planning/)
- [Goal Setting](https://tom-scanlon.com/tag/goal-setting/)
- [Spending Choices](https://tom-scanlon.com/tag/spending-choices/)
- [Living Beneath Your Means](https://tom-scanlon.com/tag/living-beneath-your-means/)
- [Personal Finance Basics](https://tom-scanlon.com/tag/personal-finance-basics/)
- [Needs vs Wants](https://tom-scanlon.com/tag/needs-vs-wants/)
- [Retirement Income](https://tom-scanlon.com/tag/retirement-income/)
- [Life After Retirement](https://tom-scanlon.com/tag/life-after-retirement/)
- [Sequence of Returns Risk](https://tom-scanlon.com/tag/sequence-of-returns-risk/)
- [Distribution Planning](https://tom-scanlon.com/tag/distribution-planning/)
- [Backup Financial Plan](https://tom-scanlon.com/tag/backup-financial-plan/)
- [Life Changes](https://tom-scanlon.com/tag/life-changes/)
- [Income Planning](https://tom-scanlon.com/tag/income-planning/)
- [Health Care Costs](https://tom-scanlon.com/tag/health-care-costs/)
- [Insurance Planning](https://tom-scanlon.com/tag/insurance-planning/)
- [Investment Behavior](https://tom-scanlon.com/tag/investment-behavior/)
- [Investment Risk](https://tom-scanlon.com/tag/investment-risk/)
- [Portfolio Discipline](https://tom-scanlon.com/tag/portfolio-discipline/)
- [Market Psychology](https://tom-scanlon.com/tag/market-psychology/)
- [Market Risk](https://tom-scanlon.com/tag/market-risk/)
- [Sequence Risk](https://tom-scanlon.com/tag/sequence-risk/)
- [Cash Reserves](https://tom-scanlon.com/tag/cash-reserves/)
- [Bear Markets](https://tom-scanlon.com/tag/bear-markets/)
- [Portfolio Withdrawls](https://tom-scanlon.com/tag/portfolio-withdrawls/)
- [Pre-Retirement Planning](https://tom-scanlon.com/tag/pre-retirement-planning/)
- [Economic Outlook](https://tom-scanlon.com/tag/economic-outlook/)
- [Market Volatility](https://tom-scanlon.com/tag/market-volatility/)
- [HSA Contributions](https://tom-scanlon.com/tag/hsa-contributions/)
- [HSA Tax Benefits](https://tom-scanlon.com/tag/hsa-tax-benefits/)
- [High Deductible Health Plan (HDHP)](https://tom-scanlon.com/tag/high-deductible-health-plan-hdhp/)
- [Retirement Health Care Costs](https://tom-scanlon.com/tag/retirement-health-care-costs/)
- [401(k) Planning](https://tom-scanlon.com/tag/401k-planning/)
- [Required Minimum Distributions (RMDs)](https://tom-scanlon.com/tag/required-minimum-distributions-rmds/)
- [Long-Term Care](https://tom-scanlon.com/tag/long-term-care/)
- [Retirement Readiness](https://tom-scanlon.com/tag/retirement-readiness/)
- [Longevity Risk](https://tom-scanlon.com/tag/longevity-risk/)

## Stats Types

- [view](https://tom-scanlon.com/wpa-stats-type/view/)
- [Safari](https://tom-scanlon.com/wpa-stats-type/safari/)
- [Macintosh](https://tom-scanlon.com/wpa-stats-type/macintosh/)
- [Chrome](https://tom-scanlon.com/wpa-stats-type/chrome/)
- [iPhone](https://tom-scanlon.com/wpa-stats-type/iphone/)
- [Windows](https://tom-scanlon.com/wpa-stats-type/windows/)
- [Android](https://tom-scanlon.com/wpa-stats-type/android/)
- [unknown](https://tom-scanlon.com/wpa-stats-type/unknown/)
- [Firefox](https://tom-scanlon.com/wpa-stats-type/firefox/)
- [Linux](https://tom-scanlon.com/wpa-stats-type/linux/)
- [event](https://tom-scanlon.com/wpa-stats-type/event/)