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What Just Happened With the Health Care Bill?

Acorns, March 2017

“Nobody knew that health care could be so complicated,”
President Donald Trump said near the end of February—hinting at an uneasiness that’s echoed through the markets for weeks.

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What Donald Trump’s Presidency Means For Your Investments

Huffington Post, March 2017

Don’t put your emotions in the driver’s seat of your portfolio.

Political news has been dominating the headlines since the start of the election cycle last year, and it doesn’t look like it’s going to be letting up any time soon.

After a strong end to 2016, we have started off 2017 equally as strong. This has led people to ask me what I think about the markets going forward.

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The 2 Massive 401(k) Mistakes Business Owners Make, and How to Avoid Them

Kiplinger, February 2017

There are two huge mistakes that business owners commonly make when it comes to their company 401(k)s:

They don’t understand the gravity and breadth of fiduciary responsibility, and they shoot themselves in the foot with high cost structures and poor investment options.

Streamlining costs is a no-brainer. While no 401(k) plan is free, making sure you get the most for your money is something most of us can get behind pretty easily.

But fiduciary responsibility is often a wake-up call — and not taking it seriously can have significant repercussions on your business and your life.

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Donald Trump’s Business Ties Could Create Conflict of Interest Problems

New York Daily News, November 10, 2016

Donald Trump has some potential conflict of interest issues to deal with before he becomes President.

Trump’s business interests span the globe — and as President, his actions are likely to impact those interests.

“This is a very complicated situation that I don’t think has ever been seen before,” said Bradford Pine, a Garden City, L.I.-based wealth adviser.

Some of Trump’s holdings and business ties are a mystery, since he never released his tax returns.

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Investors Jump On Buy Opportunities Opened By Brexit

Investor’s Business Daily June 24, 2016

The U.K. Brexit vote was as stunning as a heavyweight boxer’s surprise blow to an opponent’s head — unexpected and jarring.

But investors were also quick to react. Recommendations ranged from sit-tight, do-nothing to very proactive buy advice.

Voya Investment Management chief market strategist Douglas Cote told IBD that investors should not try to trade on the vote in the short term.

“My advice to investors is to stick to your investment plan on this historic Brexit vote,” he said. “The only investors that could possibly make moves are those who are already out of the market, in cash, and this is a good buying opportunity.”

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InvestmentNewsHouse set to vote on making tax breaks for IRA charitable donations permanent

Investment News Feb. 9, 2015

“These kind of benefits should always be encouraged,” said Bradford Pine, owner of Bradford Pine Wealth Group. “It’s a win-win. The American people are among the most generous in the world.”

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huff postI Just Dropped My Daughter Off at College: From The Emotional to the Financial

Huffington Post Sept. 5, 2014

It seems like I blinked, and our oldest child, Abby, went from a newborn to college. I still can’t believe this major family milestone has come and gone, and let me tell you, it’s been a whirlwind of emotions.

As we got Abby settled in on move-in day, I couldn’t help but notice that there were basically two kinds of parents on campus. There were those who looked extremely stressed and frazzled, and those who looked contented and happy. Everyone’s a little emotional, of course, but this clear distinction between parents got me thinking about the importance of preparation for the big day.

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Using Payroll CardsMoney Fix: Secrets on how the rich think

Long Island Newsday Sept. 7, 2014

Cool, oh so cool: “The rich don’t panic or get emotional when investing,” says Bradford Pine, a wealth adviser with The Bradford Pine Wealth Group in Garden City. They “look for consistent returns, rather than taking on too much risk.”

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moneyratesDaughters are a bargain? Not necessarily, say parents

Investment News June 9, 2014

Bradford Pine, a wealth adviser and president of the Bradford Pine Wealth Group in Garden City, New York, makes his living scrutinizing financial details. He also happens to have a son and a daughter who are both in their teens.

When asked which of his children has been more expensive to raise to this point, Pine doesn’t hesitate.

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InvestmentNewsWeb tool offers pricing information for municipal bonds

Investment News June 9, 2014

The EMMA tool will help investors, but it won’t be able to tell them precisely how much they should be paying for a bond because markups are still hidden, according to Bradford Pine, president of Bradford Pine Wealth Group.

“That’s where it need to be more transparent – [the price] where the adviser is buying it and where, ultimately, the client purchases it,” Mr. Pine said. “You need to work with an adviser you trust and feel comfortable with. It’s still a very fragmented market that needs be corrected.”

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What Jobless Teens Could Be Doing This Summer

The Wall Street Journal June 8, 2014

Put some of your savings toward your 529 plan or other college-savings account to contribute to your education, says Bradford Pine, a financial adviser in Garden City, N.Y.

Research and apply for college scholarships using a website such as Take a class at a community college and transfer the credits to reduce your total college tuition tab.

financial advisor garden city NYInvestment fees can take a big bite out of your return: Here’s how to keep the costs down

New York Daily News June 6, 2014

“I find that investors are uncomfortable asking about fees and some advisors would prefer to avoid this topic,” Bradford Pine, wealth advisor and president of Bradford Pine Wealth Group in Garden City, L.I., told the Daily News.

“I’m not saying there’s anything wrong with paying fees,” Pine added. “You just need to know what you’re getting for paying those fees.”

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financial planningHandicapped’ by Wealth: The Dangers of Unprepared Heirs

Fox Business April 18, 2014

As a generation, baby boomers tend to do things on a massive scale. (Having 77 million living members makes it hard to do otherwise.) Not surprisingly, as more boomers die and surrender their wealth in the coming years, the impact is likely to be anything but small.

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finanical advisor in garden city nyHow to Choose Between Tax Software and Accountant

The Street Mar. 5, 2014

How With tax day just around the corner, millions of Americans are gathering their documents and deciding whether to use an online tax filing service or certified public accountant. There’s no definitive rule on which method of tax filing is best — but our experts can weigh in on which option is best for you.

If you file online …
The pros:
Filing your taxes online is usually pretty cheap, says Kay Bell, tax expert for

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Is it Better to Spring for Private High School or College?

The Street Feb. 21, 2014

Most families have a limited amount of funds to put toward their children’s education. With prices on the rise for tuition at private primary schools and colleges, paying for both isn’t usually an option. So where should you invest your education dollars on a private prep school or on college tuition? Experts weigh in on how best to spend your education cash.

Blowing all your money on a private primary or high school is a risk, says Brad Pine, wealth adviser and president of Bradford Pine Wealth Group in Garden City, N.Y.

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garden city ny financial advisorMy Personal Experience on How to Save Tens of Thousands of Dollars on College Tuition

Huffington Post Feb. 12, 2014

My daughter Abby applied to college this year and as the acceptance letters start coming in, we’re getting to the stage of choosing a school. Of course, we’re thinking about important factors like education, quality of life and location; however, like most parents, we also have to consider cost.

Our interest in getting the best financial support possible from the best school for Abby helped me discover a way of potentially lowering college tuition by a significant amount. I’m passionate about educating people on these topics, so I’m excited to share my personal experience with you. Read on — it could save you tens of thousands of dollars!

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Using Payroll CardsMoney Fix: Using payroll cards

Long Island Newsday Nov. 13, 2013

Employers increasingly are using payroll cards — a debit card with your paycheck on it. Eliminating paper checks saves companies money and employees have convenient access to their money. However, payroll cards aren’t simple.

The Consumer Financial Protection Bureau recently issued a bulletin warning employers against using payroll cards exclusively and outlining rules and regulations.

Payroll cards offer pluses for those without bank accounts. They are cheaper than check cashing services that take a percentage of a check, and safer than carrying lots of cash.

Here’s what you need to know:

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financial advisor garden city NYMoney Pro’s: How to Avoid the Trap of Emotional Investing

New York Daily News July 9, 2013

Money manager Bradford Pine shares tips on how to invest with your head, not with your heart.
Timing the market

Almost everyone is tempted to time the market at some point.

For example, I had a small handful of clients who pulled out when the market declined in 2008. By the time they got back in, the market had already rebounded past their selling point.

I’m not saying it’s not prudent to exit the market if it’s beyond your risk levels or if you can’t afford to let your account fall below a certain point.

It’s also quite a different story if you have specifically allocated assets to short-term trading.

But in general, I have found that the odds are greatly against you when you try to time the market with your long-term investments. Just remember, if you didn’t stick with the market in the past 30 years, you missed out on some of the biggest bull markets in history.

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financial advisor garden city NY“Rotten nest egg; Many plan to work 5 more years until retirement” Nov. 5, 2012

Brad Pine, a financial adviser in Garden City, NY, says that many who are nearing retirement with sizable portfolios are staying clear of riskier, higher-yielding instruments.

But they then worry that they won’t generate enough return on their present investments to fund a long retirement.

“These are people who are well-off but are just not prepared for retirement now,” said Pine. “So they have to work a couple of more years than they had planned.”

The tough-luck stories are not uncommon. Pine recalls how a client in his early 60s had invested heavily in one seemingly gangbuster stock rather than take Pine’s advice to diversify his portfolio and spread the risk. “The stock got demolished and lost a huge value,” Pine said. “He’s now talking about prolonging his retirement.”

Today for Americans, working longer is the key to financial security, according to the Center for Retirement Research.

The average retirement age has risen in the past decade from 62 to 64 for men, and from 60 to 62 for women, the academic researchers found.

Their sobering conclusion: Five years of additional work would solve today’s retirement challenges for most.

In fact, about 85 percent of households would be prepared for retirement by age 70 compared to 30 percent for age 62.

“I can tell you that planning for retirement is a huge topic of conversation,” said Pine. “Investors can make plans today, but so much can then change within five years.”

financial advisor garden city NY“Money Pros: What to do if you inherit an Individual Retirement Account” Oct. 3, 2012

The Money Pros are standing by to take your questions.

Q. I recently inherited an IRA. Is there an advantage to stretching it over my lifetime (I’m 41) as opposed to withdrawing it over five years?

Steve F., Long Island, N.Y.

A. Receiving an inheritance can feel like winning the lottery, with the same temptations to spend the money right away.

However, this can lead to some big financial planning mistakes, so before you take action, I strongly suggest you seek professional financial help to guide you through the estate planning and tax planning consequences of inheriting an individual retirement account (IRA).

There are a few important things to consider when inheriting an IRA. The most important is whether you’ve inherited the account from a spouse, the potential benefits of keeping the account around longer, and your current and future tax bracket. Those who inherit an IRA from someone other than their spouse have a choice between cashing out the account as a lump sum, liquidating the account within five years, or stretching the required distributions over their own life expectancy.

Note that stretch distributions must begin in the calendar year following the original account holder’s death.You also need to make sure that the account holder took any required minimum distributions in the year in which they passed away.

Spouses who inherit IRAs have one other option. They can roll over the assets into their own IRA if they choose, meaning that required distributions would not be mandated until he or she reaches 70½ years of age.

The key potential benefit to stretching distributions is that any earnings in the account will grow tax-deferred over your lifetime. You also have the flexibility to take more than the minimum distribution if you need it.

On the other hand, the more you draw down the account in the short run, the less you’ll have for potential growth or to meet future needs.

Another benefit to the stretch option: distributions will have a smaller effect on your annual tax bill. If you’re in a high tax bracket, this can be a powerful incentive to go with the stretch option.

But if the account you inherited is very small and you need the money, it might make sense to liquidate it over a shorter period if it won’t have a major effect on your tax rate.

That said, you might see why it generally makes sense to roll an inherited account into your own IRA if you inherit from a spouse, and why it’s often best to stretch the distributions over your life expectancy if you inherit from someone else other than your spouse.

Pine is a wealth adviser in Garden City, L.I., and president of the Bradford Pine Wealth Group.

“Tax-advantaged municipal bonds offer attractive yields, but be mindful of the risks “ July 16, 2012

“If you are selective and buy high quality issues, the yields on municipal bonds can be attractive,” said Bradford Pine, president of Bradford Pine Wealth Group in Garden City, L.I.

financial advisor garden city NY“On The Air “ June, 2012

Most of the advisors report that the videos do not take much time or money to produce. Bradford M. Pine, a financial planner in New York City who works with broker-dealer Cantello & Co. Inc., is the exception. He hired professionals to film and edit his material, which cost him between $1,500 and $2,000, plus the time he invested.

But he also tallied up more than 38,000 hits for his video. Opening with a professional-looking blue stock market screen, the video moves to a New York City street scene with a woman doing a voice-over describing Pine. Then in a talking head segment, Pine himself explains why he thinks people come to him for advice. At three minutes, 44 seconds it is longer than most advisor videos.

“A video is very time consuming to get it right, but I think it tells people what you are about,” Pine says. “Everything I talk about in the video are my own words. I want to be very transparent and want people to know my vision and my ethics.”

He thinks the exposure is priceless for the referrals he has gotten.

Like Slattery and Case, Pine also believes in adding something personal about himself to the videos. He has one that encourages people to be bone marrow donors because it is something he feels passionate about.

“People Google me and they have watched my video and read my articles even before they call me, so they know something about me,” he says.

financial advisor garden city NY“Bradford Pine: Good to the Bone” May 3, 2012

There are 800 million users of Facebook but only 9 million on a national registry for bone marrow donors, Bradford Pine says. The contrast is startling to Pine, an independent advisor who underwent the procedure last winter. “Everybody’s being social on the Internet, but they have the possible opportunity to save a life and they’re not on there,” he says.

According to the DKMS Bone Marrow Donor Center, thousands of patients with leukemia and other serious illnesses that have crippled their ability to produce blood cells depend on finding people whose marrow is a genetic match to their own. Six out of 10 patients never find the match they need. Pine, who started out with Lehman Brothers 20 years ago and formed his current firm in 2007, first learned about the procedure about two and a half years ago when a friend of a friend whose college-age daughter had leukemia told him they were looking for a match. Pine had a swab taken from the inside of his mouth, which was sent to the registry. He wasn’t a match, and was saddened to learn later that the young woman had died.

Then last year the registry contacted him and said he was a tentative match for another patient. One of the misunderstandings about bone marrow donation is the extent to which it involves a painful medical procedure. It can be true in the case of donors from whom blood stem cells are withdrawn from the pelvic bone. But Pine says that procedure is necessary only 20 percent of the time. The rest of the time, donors undergo a regime of five injections to boost the production of blood stem cells, and then submit to a blood transfusion procedure that takes about six hours. Pine brought his laptop with him that day to occupy the hours, and other than some sluggishness the next day, there were no side effects at all.

Dawn Crapanzano, the bone marrow transplant donor coordinator at New York Presbyterian Hospital, says Pine is an ideal donor. “He has a very upbeat attitude. He was willing to do anything that was required of him,” she says. “He never lost sight that there was a recipient at the other end. It was never about him.”

Since then Pine has shared his experience on a video he posted on YouTube. He also obtained the rights to a URL,, which links to the DKMS site. “I have a mission to tell my story,” he says.

“Tumbling market puts retirement plans at risk as stocks decline and 401(k)s shrink” Aug. 3, 2011

“Everyone is focused on Friday’s numbers,” said Bradford Pine, president of Bradford Pine Wealth Group in midtown. “If they are bad, the market could go into fear mode.”

“What to do with your 401(k) when you leave a job” July 12, 2010

“Many people are going through major transitions. People are leaving their jobs, they have their 401(k)s and are confused as to what to do,” said midtown money manager Bradford Pine, author of “10 Tips You Need to Know About Your IRA Rollover,” a free e-book.

“Worried about falling Euro? Five things investors can do”

CNBC May 14, 2010

“Obviously any forward-looking number that analysts have predicted for the second half for growth would be impacted if the euro continues to decrease,” says Bradford Pine, wealth advisor at the Bradford Pine Wealth Group in New York. “You need to be careful of individual companies that do have a large amount of business that they do in Europe. It would hurt corporate profits if this continues.”

“Missed Stock Rally? Pullback May Provide Second Chance”

CNBC Apr. 7 2009

That’s the kind of investing that Bradford Pine, an adviser with Cantella & Co., recommends for those with low risk tolerance who nevertheless want some stock exposure. In fact, Pine counsels even those clients looking to buy individual stocks to stick to dividend-payers in the current high-risk environment.

“It’s more about the long-term outlook,” he says. “Rolling the dice to find that $4 stock that’s going to double is not the prudent investment unless you have that risk capital.”

“Market Finds 11-Year Low Despite Bank Rally”

CNBC Feb. 23, 2009

You get this enthusiasm and then reality sets in,” said Bradford Pine, investment adviser at Cantella and Co. of Boston. “You keep hearing bits of news and you have hope, and then the air seems to let out and everybody loses confidence.”

While the Dow has blown through its November lows, the S&P 500–the index most closely watched on the New York Stock Exchange trading floor–just edged past its low of 752. Traders were watching the 741 level to see where the market would head next.

“If we can keep bottoming at this 741 and hold at these levels we could see a significant rally,” Pine said. “It may just be a bear market rally, but that is something that you could see. In this market, you can’t believe in what you just believed in because it moves that crazily.”

financial advisor garden city NY“Instead of blindly trying to reel in a big catch, financial experts stress research, timing”

The Star-Ledger Oct. 11, 2008

Bradford Pine, principal in Cantella & Co., a New York broker-dealer: Yes. I believe now is the time to start to bottom fish. We are in an unprecedented era of de-leveraging and forced selling by institutions and hedge funds.

The secret is a dollar-cost-averaging approach over a period of time, and being disciplined. The toughest one of all is not getting emotional.

Look at high-quality municipal bonds. There are a lot of quality bonds with higher yields then normal. This sector has had massive pressure from de-leveraging and forced selling. If you buy high-quality munis within your state, your effective yield can be very rewarding.

Diversified mutual funds among all the asset classes, which include muni funds. Another area would be selected exchange traded funds.

You need to revise your portfolio and reallocate the situations that have changed fundamentally and transfer the assets into more sound securities.

“Even keel in stormy stock markets” Sept. 20, 2008

“If your portfolio has been managed properly, now is the time to manage your emotions,” said Bradford Pine, an investment adviser at Cantella & Co. in midtown. Investors will be able to ride out the volatility, he added, “as long as they own good quality companies or mutual funds.”

financial advisor garden city NY“Cultivating community connections” Aug 1, 2008

“There’s something very good about working to help others,” says Bradford Pine, an advisor with New York-based Cantella & Co., Inc., and who’s also a metro-area volunteer for Ronald McDonald House Charities, Inc., which creates and supports programs to improve the health and well-being of children. “I do not get business from my McDonald House efforts,” Pine says. “That’s not why I do it. While volunteering is rewarding, volunteering for a reward is the completely wrong reason to become involved.”

In addition to helping to raise funds, Pine’s group also organized a visit by area children to a nearby Ronald McDonald House to see the organization’s activities up close and to visit with the kids staying at the facility. “It was a good experience for all of the parties involved; for our kids as well as those at the Ronald McDonald House.”

financial advisor garden city NY“GOOD TOBACCO: Inhaling Smoking’s Global Appeal” Feb. 17, 2008

“What’s happening here [in the US] is becoming a smaller part of the tobacco-company equation,” says Bradford Pine, a financial adviser with Cantella & Co., New York. “Investors focusing on what’s happening in the US are limiting their potential reward,” he says.

“Altria Group (formerly Philip Morris), is benefiting from the developing world’s emerging middle class. The weak dollar makes US brands more affordable.”