Beyond the Bell Archives | Page 2 of 28 | Fee-Only Retirement Planning in Rochester NY

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Cybersecurity in the Age of AI: How Retirees and Long‑Term Investors Can Protect Themselves from Modern Scams

Emily Lambert August 14, 2026

How Artificial Intelligence Is Changing Cybercrime Artificial intelligence now allows criminals to create highly realistic emails, websites, text messages, and even voice recordings that can sound remarkably authentic. Fraudulent communications no longer contain the obvious spelling errors or awkward language we used to associate with scams. In many cases, they appear completely legitimate. The Rise of Spoofing and Impersonation Attacks We are also seeing an increase in what are known as “spoofing” attacks — where phone numbers, email addresses, and even caller IDs are manipulated to appear as though a communication is coming from a trusted source, such as your bank, a family

What Is a Power of Attorney? Understanding Types, Authority, and Why It Matters

Jordyn Adams August 7, 2026

A Power of Attorney allows a trusted individual to act on your behalf if needed—but not all Powers of Attorney are the same. In this article, Jordyn Adams, Client Service Manager at Howe & Rusling, explains the different types of Powers of Attorney, how they work, and why having the right structure in place can help reduce stress and complexity for you and your loved ones.

Trump Accounts: A Guide for Parents and Grandparents

Dylan Potter July 31, 2026

Discover how Trump Accounts may provide a new tax-advantaged savings opportunity for minors and learn key considerations for parents and grandparents in our on-demand webinar.

Market Outlook Summer 2026

Macroeconomic Committee July 24, 2026

During the first half of 2026, AI datacenter spending drove strong stock returns of semiconductors, technology hardware and equipment, and capital goods industries (industrials companies that sell electrical and power equipment, machinery, etc.). Those industries contributed 10.7% of the S&P 500 Index’s 10.2% total return (Bloomberg). This means that the aggregate return of the rest of the of companies in the S&P 500 was negative. As the quarter progressed, investors debated the sustainability of AI growth, margins, and stock returns. We address the debate in our Summer Market Outlook based on a foundation of facts.

Portfolio Rebalancing 101: What It Is, Why It Matters, and How It Helps Manage Risk

Brett Boyer July 17, 2026

Market movements can cause portfolios to drift away from their intended allocation over time. In this article, Brett Boyer, CFA, Vice President and Senior Equity Analyst at Howe & Rusling, explains portfolio rebalancing, why it matters, and how a disciplined approach may help manage risk and investor behavior over the long term.

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Too Much of a Good Thing? Managing Concentrated Stock Positions: Risks, Strategies, and Planning Considerations

Matthew Gjevre July 10, 2026

Concentrated stock positions often reflect success, but they can also introduce meaningful financial risk. In this article, Matthew Gjevre, Financial Planner at Howe & Rusling, explores why concentrated holdings deserve careful review and discusses planning strategies that may help investors balance diversification, taxes, and long‑term goals.

The Birth of the U.S. Stock Market: From Buttonwood Tree to Wall Street

Ryan Tomko July 3, 2026

A historical look at how early financial instability led to the creation of the NYSE and modern capital markets.

Do I need International Exposure in My Portfolio? Global Diversification Explained

Mark Thompson June 26, 2026

In this video, Mark Thompson, CFA, Senior Equity Analyst, reviews the role of international equities in portfolio construction. He discusses home country bias, long-term market leadership cycles, and how global diversification may broaden an investor’s opportunity set while introducing distinct risks and considerations.

Simplify Your Financial Life: Why Consolidation Is Important

Nancy Sutton June 19, 2026

In this article, Nancy Sutton, Senior Client Service Manager, explains how consolidating financial accounts could help simplify portfolio oversight, reduce administrative complexity, and improve overall visibility into your financial picture.

She discusses potential benefits related to portfolio management, cybersecurity considerations, estate organization, and fee awareness—while noting that consolidation should be an intentional decision based on individual circumstances.

Donor Advised Funds (DAFs): A Strategic Approach to Charitable Giving

Mary Grace Graniero June 12, 2026

Charitable giving can be both deeply meaningful and strategically planned. Donor advised funds (DAFs) offer a flexible way to support the causes you care about while potentially reducing your tax burden — particularly in high-income years or after liquidity events. In this article, Mary Grace Graniero, CPA, CFP®, explains how DAFs work, when they may be most effective, and how they can fit into a comprehensive tax and estate strategy.

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