Dividend Quarterly
Revisiting our Summer Thesis: From Dunce to Valedictorian

by Eric Warasta, CFA, Portfolio Manager

When stocks are inexpensive, unloved, or both, positive outcomes, in the form of excess returns, are more likely. In this Dividend Quarterly, Eric Warasta, CFA, Portfolio Manager cites the recent performance of bank stocks as major examples of this and provides insights on other short- and long-term investment options. View PDF 

When is the Right Time to Retire?

by Edward F. Fitzgerald, Vice President and Client Advisor

Retirement is a major life milestone that requires careful planning and consideration of your options. Vice President and Client Advisor Ed Fitzgerald Jr. discusses three approaches you can utilize to evaluate your retirement situation. View PDF 

Dividend Quarterly
Passing Grades at Summer School: Bank Dividends are Going Higher

by Eric Warasta, CFA, Portfolio Manager

In this Dividend Quarterly, Eric Warasta takes a look at the recently-released results of the Federal Reserve's sixth annual CCAR, which reported an increase in dividend payments for investors. View PDF 

Digital Asset Planning

by Erin Cooper, Vice President and Client Advisor and
Kaitlyn Gilpin, Client Advisor

In today’s increasingly digital world, our lives revolve around technology and many of our personal possessions and important documents have become integrated into online databases and cloud technology for easy access and convenience. When creating your estate plan, it is important to consider not only your traditional assets, but also your digital assets. What are digital assets? Who has access to them and what are their rights? What can you do to plan for your digital assets after you die? What happens to your digital assets after you die? View PDF 

Dividend Quarterly
Can It Happen Here? A large European utility abandons its dividend. Could it happen in the U.S.?

by Eric Warasta, CFA, Portfolio Manager

Eric Warasta examines the case of a German utility cancelling its dividend, and why U.S. investors should consider if the factors that caused this in Europe will have a similar result here. View PDF 

The Revocable Trust

by Michael P. Panebianco, Vice President and Trust Officer

Everyone should have an estate plan to ensure their assets are managed and distributed according to their wishes during lifetime and upon death and to reduce and possibly eliminate Federal and state transfer taxes. There are various estate planning documents to accomplish these and other related goals including a will, revocable trust, durable power of attorney and health care proxy. Vice President and Trust Officer Michael Panebianco explains the important role a revocable trust can play in your overall estate plan. View PDF 

Powers of Attorney and Advance Health Care Directives

by Michael P. Panebianco, Vice President and Trust Officer

Should you have a Power of Attorney? Many people incorrectly assume that they do not need a Power of Attorney, a Health Care Proxy, or a Living Will. Michael Panebianco, vice president and trust officer, explains who needs a Power of Attorney and Advance Health Care Directives and the importance of these documents. View PDF 

A Quality of Life Plan

by Laura C. McGregor, Vice President and Trust Officer

There are many changes in life and those we think of most often are the birth of a child or grandchild, retirement, or loss of a spouse. Other changes we do not think of as often are longevity, incapacity of a spouse or partner, unexpected changes in living costs, or shifts in the financial landscape. View PDF 

Tax Effective Ways to Make Charitable Donations

by Erin Cooper, Vice President and Client Advisor

Many people envision writing a donation check to their favorite charity as a way to support an important cause and share their wealth, but there are other ways to give that are just as beneficial and tax efficient. At Cambridge Trust Company, we know how important giving back to the community is for our clients and we help them to understand the ways that are most beneficial to themselves and to their favorite charitable organizations. View PDF 

The Talk: Changing the Wealth Management Conversation with your Kids

by Erin Cooper, Vice President and Client Advisor

Conversations about investing and wealth management with today’s Gen Xers, Millennials, and Gen Zs can be very different than with earlier generations. These younger generations came of age in a time of great change and turmoil. They want to see solutions to today’s issues and leave a positive impact on the world, while also being involved throughout the process. In addition to the typical concerns about risk, asset allocation, estate planning, and taxes, they are also concerned about social and environmental impact and how they can directly influence systemic change to leave a positive legacy. View PDF 

Your Wealth Management Team: At the Center of Your Financial Success

by Alice Flanagan, CTFA, CFP®, Vice President and Trust Officer

We committed to matching our comprehensive wealth management clients with a dedicated team consisting of a Trust Officer and an Investment Officer who will work with you on your most complex financial issues. When a financial situation requires specialized expertise, your wealth management team will provide access to an array of knowledgeable professionals. Read more about the different specialists involved in your account and how they all work together to help you. View PDF 

Listening: The Key to Managing Your Financial Life

by William Yates, Vice President and Client Advisor

At Cambridge Trust Company, the Wealth Management Team is committed to an unwavering belief in the value of listening to our clients. Our Trust and Investment officers are not only experienced wealth managers adept at handling even the most complex financial issues, they are thoughtful listeners committed to understanding what matters to you and your family. Through regular meetings with clients, we’re able to develop and update their comprehensive wealth management plans. Read more about the topics that will be discussed to help give us a full picture of our clients' lives. View PDF

Ten (Non-Tax) Reasons Why You Should Have an Estate Plan

by Michael P. Panebianco, Vice President and Trust Officer

A common perception is that the primary purpose of estate planning is to reduce estate taxes. Although the reduction of taxes is certainly a compelling reason to have an estate plan, it is far from being the only reason. In fact, there are many other reasons that are at least equally important and that, arguably, should be considered by everyone. Read Michael Panebianco’s article for all the reasons why you need an estate plan. View PDF 

Securities and other investment products are:

Wealth Management Disclosure

 

Contact Us

In Massachusetts call

Erin Cooper

617-503-5285

Edward Fitzgerald

617-441-1484

Kaitlyn Gallagher

617-441-1412

William Yates

617-503-4041

In New Hampshire call
Susan Martore-Baker

603-369-5101

Trust Letters

TrustLetters

Our quarterly TrustLetters, written by our Wealth Management Officers, bring you timely advice on investing, tax and estate planning, and fiduciary issues.

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