MassMutual

Bruce H. Sham, CLF.

  Special Care for Special Clients 

Who can I call when I need financial advice?

What should I do with my old 401(k) from my previous employer?

What do I need to do when a family member passes away?

How can I plan for a child or family member with special needs?

 

These are all questions, issues and concerns that we help our clients answer on a daily basis.... We are here to help you through the many changes, triumphs, and hurdles you will face during your relationship with us. Our clients are special to us, and we believe they deserve special care.

We hope that this website will be a useful tool for you, whether you have been with us for years, are using our services for the first time, or if you have not decided what the next step in your financial planning will be!

 
Calculators

Lease Interest

What's the interest rate on the lease you're considering?

Personal Inflation Rate

Is your personal inflation rate higher or lower than the CPI?

Capital Gains Taxes

Estimate short-term and long-term federal capital gains taxes

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

More Calculators →

Newsletters

What Kind of Investor Are You?

Although most Americans seem to understand that investment involves risk, there is a wide spectrum in how much risk each investor is willing to assume. Among the factors to consider are comfort level, time horizon, and net worth. This article helps investors to consider their appropriate level of risk.

Dispelling Umbrella Insurance Myths

Many people may think their chances of being hit with a multimillion-dollar lawsuit are fairly slim. Besides, wouldn't the liability coverage on their homeowners and auto insurance policies be enough to protect them against a claim or a lawsuit? Unfortunately, there are misconceptions about umbrella liability insurance that could cause someone to be underinsured.

Help Chart the Future of Your Family Business

The transition from one generation to the next is considered to be one of the biggest risks to the survival of a family-owned business. A thoughtful succession strategy not only outlines when and how ownership should be transferred but also takes tax implications, family relationships, and other sensitive issues into account.

Managing Cash When Interest Rates Are Low

It's generally a good idea to keep three to six months of income in an emergency fund, but where should cash be kept when interest rates are low? This article discusses the advantages and disadvantages of savings accounts, certificates of deposit, and money market funds.

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