Tapparo Capital Management

08/20/2026

Retirement can feel like a lot of moving pieces.

When should you claim Social Security? Should you consider a Roth conversion? Which accounts should you draw from first? And how do taxes and Medicare fit into the picture?

The good news: you do not need to make every decision at once. The key is knowing which choices require attention now, and which can wait.

In my latest article, I introduce a simple “retirement decision tree” to help bring structure and clarity to these important decisions.

Learn how to make key retirement decisions with confidence. Andy Tapparo is a fee-only fiduciary financial advisor at Tapparo Capital Management in Topsfield, MA.

08/04/2026

If you have ever helped a parent sort through a stack of bills, sit in on a doctor's appointment, or figure out an insurance form, you already know how caregiving sneaks up on families. It rarely starts as one big conversation. It starts small, and then it grows.

In my latest article, I share several areas families should talk about early, including understanding a parent's finances, making sure legal documents like wills and powers of attorney are up to date, and having the long term care conversation before it becomes urgent.

I also talk about something that often gets missed, which is taking care of yourself while you are taking care of a parent. Caregiving works best when it is shared, not carried by one person alone.

If your family is somewhere in the middle of this, or knows it is coming, this article walks through where to start.

06/17/2026

Sequence-of-returns risk can put some retirement funds in jeopardy. Find out how to strategize withdrawals and mitigate the impact.

Sequence-of-returns risk can deplete a retirement fund. Andy Tapparo is a fee-only financial advisor at Tapparo Capital Management in Topsfield, MA.

06/15/2026

Here’s a perspective that reshaped how I view uncertainty and long-term investing:

Books led to microscopes. Refrigeration transformed medicine and migration. WWII brought penicillin. The Cold War set the stage for the Internet. The space race gave us GPS. And the list keeps growing.

One breakthrough sparks another, creating a chain reaction no one could have anticipated.

When we invest for the long haul, we’re not just buying shares in companies.

We’re investing in this powerful engine of innovation. The very force that has been improving our world in unexpected ways for centuries.

Sure, the headlines may often seem discouraging. But beneath it all, progress continues quietly, shaping a future full of possibilities we can only begin to imagine.

05/18/2026

Should you pay down your mortgage or invest instead? Here’s how to think through this common financial decision and make a confident decision.

Pros and cons of paying down your mortgage versus investing your money. Andy Tapparo is a financial advisor at Tapparo Capital Management in Topsfield, MA.

04/23/2026

Have you ever wondered if you’re OVER-saving for retirement? Spending in retirement can feel unfamiliar after years of saving. Read this article for strategies that help you enjoy what you’ve built. https://tapparocapital.com/can-you-save-too-much-for-retirement-avoiding-the-regret-zone/

03/05/2026

Most people assume that once they sign up for Medicare at 65, their biggest healthcare worries are behind them. But some of the costliest risks in retirement actually live in the fine print of what Medicare doesn’t cover.

In my latest article, I break down the Medicare gaps that blindside retirees all the time, especially around long-term care, routine vision, dental, and hearing needs, and how those gaps can quietly drain a well‑built nest egg if you’re not prepared.

If you’re retired or getting close and want to protect your lifestyle (and your savings), this is a quick, important read.

Tap the link to read the article, then let me know: which Medicare gap surprised you the most?

What Medicare doesn’t cover; plan ahead and shield your retirement finances. Andy Tapparo is a financial advisor at Tapparo Capital Management in Topsfield, MA.

02/03/2026

Is the classic “4% rule” still a safe way to turn your life’s savings into a reliable retirement paycheck—or could it quietly put your lifestyle at risk?

In my latest article, I break down why a simple rule of thumb often falls short in today’s world of longer lifespans, volatile markets, and complex tax rules—and what a more thoughtful, personalized withdrawal strategy looks like instead.

If you’re within 10 years of retirement (or already there) and wondering how to turn your portfolio into consistent, tax‑smart income you can actually count on, this one’s for you.

Andy Tapparo, a fee-only financial advisor at Tapparo Capital Management in Topsfield, MA, rethinks the 4% rule to optimize your retirement income.

12/09/2025

Planning to retire in the next five years? Ask yourself these 5 questions to gain clarity, confidence, and control over your next chapter.

5 retirement planning questions to answer 5 years before retirement. Andy Tapparo is a fee-only financial advisor at Tapparo Capital Management in Topsfield, MA.

11/18/2025

Want a gift with lasting impact? Here are 4 financial gifts that can help your kids and grandkids build a strong financial foundation.

Smart financial gifts for kids and grandkids. Andy Tapparo, a fee-only financial advisor at Tapparo Capital Management in Topsfield, MA, serves retirees.