Tapparo Capital Management

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.

11/11/2025

Today, we pause to honor the extraordinary sacrifices made by our veterans and their families. Their service and unwavering commitment remind us of the true meaning of courage, duty, and patriotism. As we reflect on the freedoms we enjoy, let us express our deepest gratitude to those who have served and continue to serve our great nation.

To the brave men and women—and the loved ones who stand beside them—thank you for safeguarding our future and inspiring us with your selfless dedication. We salute you, and we remain committed to supporting you both in service and in retirement.

Wishing everyone a meaningful Veterans Day. May we never forget the sacrifices made and the values our veterans embody.

10/31/2025

What’s your biggest financial fear? 👻

Not having enough money in retirement? Making a bad investment? Not having a strategy in place if something unexpected happens?

Some of the most common fears I hear include:
• “I’m behind on retirement.”
• “I’m afraid of investing at the wrong time.”
• “Estate preparation is only for wealthy families.”

The truth?

✅ It’s never too late to start strategizing—or start over
✅ Timing the market is challenging—even for professionals
✅ Estate preparation isn’t just about managing wealth

Financial fears are real. But facing them can be a lot less scary than you think.

If there’s something that scares you, let’s talk!

In the meantime, wishing you a fun, fear-free Halloween! 🎃

10/29/2025

Don’t let healthcare costs derail your retirement. Learn 5 proven strategies to keep medical expenses under control and maximize your Medicare benefits: [email protected]" rel="ugc" target="_blank">https://hmlink.co/reader.aspx?a=ar-how-to-keep-health-care-costs-under-control-in-retirement&e=[email protected]

10/08/2025

Have you ever noticed that planning for retirement as a woman means juggling more moving parts? From living longer, to career pauses, to bridging the income gap, it’s not always a smooth ride. Check out my latest article for practical tips tailored for women 40 and up—to help you navigate those challenges and build a retirement that truly reflects your hopes and values.

Curious about how small changes today can shape your freedom tomorrow? I share ways to boost your savings, prepare for healthcare costs, and make Social Security and pension decisions with confidence.

Financial planning tips for women over 40. Andy Tapparo is a fee-only financial advisor with Tapparo Capital Management in Topsfield, MA.