Menta’s Perspectives
Digital Legacy Planning: A Modern Piece of the Planning Conversation
Scott J. Menta, CFP®, CHFC®, CLU® | Thursday, March 12, 2026
More and more, I find myself asking clients a new question during review meetings.When I sit down with individuals and families to review their plans, we usually focus on the core elements first. Retirement accounts. Insurance coverage...
What You Need To Know About Your Cash Position But Probably Don’t
Scott J. Menta, CFP®, CHFC®, CLU® | Tuesday, March 25, 2025
When it comes time to decide on how to structure your investment portfolio (also known as asset allocation) I suggest you begin by determining how much you don’t want in the market. This will most certainly be your most important asset...
IRA's: Control from the Grave
Scott J. Menta, CFP®, CHFC®, CLU® | April 07, 2022
Typically, financial planning does not involve dealing with the ethereal but there is a way, however, to create a “financial” ghost of yourself. Far too few people review their beneficiary designations often enough. Even fewer think...
What You Really Need To Know About Your Rate Of Return But Nobody Told You
Scott J. Menta, CFP®, CHFC®, CLU® | Thursday, April 7, 2022
Is financial planning more of an art than a science or the other way around? An interesting thing that I experience with people is their predisposition about the rate of return on their investment portfolio. There are generally two...
What Most People Need To Know, But Don’t, About Their Household Cash Flow
Scott J. Menta, CFP®, CHFC®, CLU® | Thursday, April 7, 2022
Similarly to the way the healthiest of most businesses are run, the income and expense picture of every household needs to be tracked, monitored and averaged. The truth is, few individuals appreciate the importance of having an...
What’s Not Discussed about Roth IRAs
Scott J. Menta, CFP®, CHFC®, CLU® | Thursday, April 7, 2022
The truth is that contributory tax-advantaged retirement plans were created in the late 1970’s and early 1980’s under the general premise that a) our tax system is progressive (meaning that progressively higher incomes are taxed at...
What Investors Should Understand About Capitalism
Scott J. Menta, CFP®, CHFC®, CLU® | Thursday, April 2, 2022
The reality is that while the capitalism’s past few decades has made investors out of most of us, most of us don’t know how to be investors. Being in the investment business for almost 30 years has given me the opportunity to work with...