Rock Point Advisors is a wealth advisory firm focused on helping clients make sound financial decisions and take advantage of the benefits of long-term investing. We are dedicated to managing portfolios in the context of plans carefully developed with our clients.
Since our founding in 2004, our financial planning and investment management efforts have been guided by our fiduciary duty to our clients and our belief that doing what’s right matters. We work hard to deliver practical advice and responsible investing to help clients achieve their goals.
Imagine for a minute that you are saving to buy a car. Checking your bank statement, you see that the current balance is less than what you’ve deposited. This is the realm of negative interest rates — where cash balances can shrink rather than grow.
Even a glorious summer such as the one just ended includes a few squalls. The stock market had a good summer, too – turbulence in August gave way to a September rally and stocks ended the quarter little changed.
We know that almost all American and their families will benefit from some basic estate planning, yet we read that half of us haven’t done any. And among those who do draw up a will and other key documents, many fail to revisit this work for years, if ever.