Roots of Wealth

Welcome to Roots of Wealth!

Welcome to the Roots of Wealth Blog!  We are New Jersey based fee-only independent Financial Advisors.   We started this financial planning blog to help people concentrate on the things that matter and the things that they can control.  The most important thing one can control is his or her own behavior.  We will help […]

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Calendar

September – A Great Time to Organize Your Finances

I always loved the beginning of the new school year.  It is a time to start new….new clothes, new sneakers, new books and new classes.  If you have children, then you know that the push is on to get everyone settled for the new school year. It seems to be more of a beginning than […]

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What is Old? – AARP Video

This is a video post which was produced by AARP  formerly the American Association of Retired Persons, which is a United States-based non-governmental organization and interest group, founded in 1958.  In this video, they ask Millennials “what age is old” and to my dismay I am consisted old. Then they ask the younger generation to show them how […]

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New York Jets fans and stock market investors

A recent conversation with a die-hard New York Jets football fan was similar to conversations that I have with  stock market investors.  Most New York Jets fans (due to the team’s tough and heartbreaking seasons of the past) are conditioned to protect themselves emotionally by always looking at everything the Jets do negatively.  Many stock […]

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Considering a Reverse Mortgage?

I wrote this article for the Bergen County magazine “Autumn Years” concerning a topic that has gotten more attention lately. Autumn Years is a quarterly regional magazine whose mission is to inspire and inform members of the sixty-plus generation. The topic is the Reverse Mortgage.  If you’re 62 or older – and want money to pay […]

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Let them eat cake!

Wedding planning can be exhilarating and exhausting but definitely enjoyable.  Dan and I had the hard task of attending a cake tasting with the baker on what kind of cake to serve at our daughter’s wedding. Times have surely changed as I have never been to a cake tasting before as our wedding had the traditional […]

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The Dresser Drawer

The Dresser Drawer

I grew up in a typical middle income town on Long Island with a rather large family.  There were five children in an unusually large home in the suburbs with a dog named Happy and a cat named Cleo.  The household also included the most important part of my upbringing, my Nana.  In those days, […]

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Superfunding Your 529 Plan

Superfunding Your 529 Plan – Maximize Your Savings for College

“Superfund” is the federal government’s program to clean up the nation’s uncontrolled hazardous waste sites. But superfunding a 529 plan isn’t about waste at all. Ironically, learning about superfunding will help your children to learn. 529 plans are very useful and flexible mechanisms for saving for college. They are state-operated investment accounts that let anyone […]

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Focus on what you can Control

Only one thing has to change for us to know happiness in our lives: where we focus our attention. Greg Anderson – American athlete and author That is a truism to life and investing: you need to focus on things that are important and the things that you can control.  This is just as hard to […]

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Having the Discipline and Patience of Olympics athletes

Our family is thoroughly enjoying watching the Olympics especially with the strong showing by the United States teams.  To watch all of these worldwide athletes perform at such high level is a thrill especially if you have ever attempted to play any of the sports that are competing this summer in Rio de Janeiro, Brazil.  I […]

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The Future of Global Trade

The future of global trade is bright.  Another sign of the continuing growth of global trade appeared recently at a dock at the port of Bayonne, New Jersey.  On June 26, 2016, the long-awaited expansion of the Panama Canal was completed.  The expansion was necessary in order to accommodate so-called mega-ships.  These mega-ships are able to […]

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