Bouchey Blog

Financial Planning in a Forecast of Rain: Finding Stability Amid Weekly Storms

By Catherine Buck | June 16, 2025

    Written by: Scott Strohecker, CFP®, EA   If you’ve felt like the weekends have been a wash – literally since last November, you’re not alone. From soggy Saturdays to damp Sundays, the near-constant weekend rain has affected everything from BBQ plans to local events. But there’s a silver lining hidden in the storm…

Understanding Series-I Savings Bonds 

By Catherine Buck | June 10, 2025

  Written by: Catherine Buck, CFP®    When inflation peaked in June 2022, many investors turned to Series I Bonds, commonly known as I-Bonds, as a safe haven offering government-backed returns tied to rising inflation. At the time, they provided an appealing combination of low risk and inflation protection. But now that inflation has begun…

Defined-Outcome ETFs: Clarity in Uncertain Times

By Catherine Buck | June 3, 2025

      Written by: Paolo LaPietra, CFP®   Sometimes the market just wants to keep us on our toes. April was a perfect reminder of that-when the S&P 500 dropped over 15% seemingly overnight on tariff fears and recession whispers. And yet, here we are, not even into June, and the index has already clawed…

Understanding Marginal vs. Effective Tax Rates — and Why It Matters

By Catherine Buck | May 27, 2025

  Written by:  Vincenzo G. Testa, CPA, CFP®, ECA   When most people talk about how much they “pay in taxes,” they’re usually thinking of one number. But there are actually two tax rates that matter-and they tell very different stories: your marginal tax rate and your effective tax rate. Understanding the difference can help…

Removing the Emotions from Investing

By Catherine Buck | May 20, 2025

      Written by: Martin Shields, CFP®, AIF® When we meet with a prospective client in an initial meeting, we discuss the value we provide for our clients which can be broken down into the following categories: Personal CFO – We provide guidance regarding any finance related question. Tactical Investment Management – We manage ETF…

CDPHP Workforce Team Challenge 2025

By Catherine Buck | May 16, 2025

  The 2025 Workforce Team Challenge is the largest running event in the Capital District and organized by Hudson-Mohawk Club HMRRC. It is a major fundraising event and this year Girl’s on the Run Capital Region and Unity House were the honored event charities. Scott, John, Katie, Shelley, Marty, Ed (not pictured), and Vinnie (not pictured) ran…

Cash In or Hold Tight? How to Decide When to Exercise Your Non-Qualified Stock Options 

By Catherine Buck | May 5, 2025

  Written by: Harmony Wagner, CFP®, CPWA®    Executives who receive non-qualified stock options (NSOs) as part of their equity compensation package may not understand how to optimize this powerful compensation type. When designing a stock option exercise strategy, several different metrics can be useful to determine the value of each option and establish trigger points.…