Single Point of View

Single Point of View is our way to occasionally share planning ideas relating to personal finance. Our goal is to pass along concepts that you may not be exposed to on a daily basis.

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As a Personal CFO, my goal in working with every client is simple – help them prioritize and achieve their various personal and financial goals. I partner directly with clients to help them quantify and evaluate the technical and emotional aspects of every financial decision given their individual circumstances. I strive to provide a concierge-level service when advising clients and coordinating all facets of their financial lives.


Prior to joining Single Point, I was a Wealth Strategist at Bainco International Investors, working primarily with entrepreneurs, small business owners, and beneficiaries of generational wealth to integrate tax and estate planning strategies into their overall investment plan. Before Bainco, I was a counselor at The Colony Group where I provided holistic financial planning services to executives at both private and public companies, helping them navigate their unique compensation structures, equity incentive plans, and upcoming liquidity events.


My passion for financial planning began in college while completing my undergraduate coursework at the University of Wisconsin-Madison where I developed an interest in the analytical and problem-solving components of planning. I consider myself a “lifelong learner” and am always eager to pursue educational opportunities that will help me better serve the clients with whom I work.


As someone who is passionate about financial literacy and access to advice, I volunteer my time to help low-income Massachusetts residents through the Midas Collaborative as well as patients at the Dana Farber Cancer Institute. I was recognized as the 2017 Volunteer of the Year by the MA Chapter of the Financial Planning Association (FPA). In addition to my pro bono work, I am an active member of the FPA and am on the NexGen and Finance Committees for our chapter.


I live in Brookline with my fiancé, Olivia, and am an avid Wisconsin Badger and New England sports fan.

Year-End Tax Reform Planning

Given the passage in both the House and Senate of the Tax Cuts and Jobs Act, the stakes for year-end tax planning are higher than usual.  We do not know what final legislation will look like when it comes out of reconciliation but there are themes in the House and Senate tax bills that give us insight into beneficial tax moves to make prior to year-end.  We’ve highlighted some of the proposed changes and related planning opportunities to consider. Deductions Both the House and Senate plans agree on increasing the standard deduction amount, nearly doubling the current allowance:   Current (2018) House Senate Single $6,500 $12,200 $12,000 Married $13,000 $24,400 $24,000 Head of Household $9,550 $18,300 $18,000 On the flip side, the proposed legislation makes significant changes to expenses that are allowed as itemized deductions.  Some notable changes include: Medical expense deduction – the House bill eliminates the deduction completely while...
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Roll-BACK Your IRA?!

A quick Google search yields HUNDREDS of articles explaining why you should roll a 401(k) to an IRA – but as our Chief Investment Officer, Rene, alluded to in his recent post “The Twisted Logic of IRA Rollovers”, there may be reasons to keep retirement assets in an employer sponsored qualified plan (401(k), 403(b), etc.) or roll the balance to a new employer’s plan.  Depending on the plan, potential benefits of an employer sponsored qualified plan that are not afforded to Rollover IRAs include: -          Loan capabilities -          Additional creditor protection -          Access to funds without penalty as early as 55 -          Possible access to lower cost investments (typically via larger company plans) -          Roth conversions for nondeductible IRA contributions (avoid pro-rata tax treatment) -          Delaying required minimum distributions if you work past 70   Simply put, while a Rollover IRA may make sense in many situations,...
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Health Insurance Renewal Season Notification

Fall marks the start of health insurance renewal season for most.  If you are a client, we will be reaching out to you directly to assist you in evaluating the various plan options available to you to identify the best solution for you and your family given how your circumstances have changed over the past year.  In the meantime, we wanted to provide some additional information to help point you in the right direction.   Workplace Insurance This is typically the time of year for employer open enrollment and employees can select their benefit packages for the year ahead.  It is important to review the plans available to you on an annual basis to evaluate changes – both within the plans being offered and relating to you and your family.  Consider whether your doctor is part of the network and the implications of being in an HMO vs. PPO.  It is...
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Seth Corkin - My Personal Story

I believe traditional wealth management is broken – but I have a vision for the future standard of financial advice, and I am incredibly lucky to have found two partners who share that vision.  Before I tell you how and why I joined Single Point, let me tell you a little about how I found my passion for financial planning.  I consider myself fortunate that I stumbled into my future career path at a relatively young age.  As an undergraduate at the University of Wisconsin-Madison I majored in a CFP® Board registered program at a time when financial planning was emerging as the preferred core component of the financial advisory relationship.  What I learned in my undergraduate coursework, and the subsequent years to follow, is that each client’s financial situation is an intricate puzzle and every decision has a cascading effect on other areas of the client’s financial picture.  I loved...
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Equifax Security Breach – What to do?!

Equifax – one of the three primary credit bureaus – announced last Thursday, September 7th, that they were the victims of a massive cyber-attack spanning from May – July 2017.  While cyber-attacks have unfortunately become more common in recent years, this attack is particularly notable as it is considered the largest breach of consumer data in US history, impacting approximately 143 million people in the US.  The most sensitive of personal data was compromised in this breach including Social Security numbers, birth dates, addresses, driver’s license numbers, and it is believed that around 209,000 people had credit card information stolen.       Here’s Our View on the steps necessary to remain protected from the ramifications of a breach of this magnitude.   Check to see if you were affected Equifax has set-up an online portal that allows individuals to check whether their personal data was compromised as part of the...
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