The Benefits of Diversification

Among your most important financial friends is diversification. After all, what other single action can you take to simultaneously dampen your exposure to a number of investment risks while potentially improving your overall expected returns? While “diversification” may seem like a buzzword, the benefits of diversification are well-documented and explained by some 60 years of academic inquiry. Its … [Read more...]

Forbes features Maura Griffin as Top Financial Leader in New York

Forbes magazine features Maura Griffin Forbes features Maura Griffin, describing her "softer, gentler" style of wealth management, as she helps clients identify emotions that can often cloud good financial decision-making. "I try to peel away the layers, to show that money is a neutral tool to help them live the life they want," she says in the article. Forbes writes: "Griffin's investment … [Read more...]

Winter 2015 Wine & Finance: Entrepreneurship

Our theme for this quarter's Wine & Finance event is Entrepreneurship: A Case Study. We featured Sarah Gross, founder and president of Rescue Chocolate. 100% of Rescue Chocolate's net profits are donated to animal rescue organizations. The chocolates are kosher, vegan, and organic. And delicious! Sarah spoke about her experience starting the business, the challenges and the joys. She talked … [Read more...]

New IRS Rules for Retirement Savings 2015

The IRS increased the contribution limit for employees who participate in 401(k), 403(b), most 457 plans, and the federal government’s Thrift Savings Plan to $18,000. The IRS also changed the catch-up contribution limit for employees aged 50 and over in the same plans: $6,000. New IRS rules do not include an increase for IRAs - the limit on those annual contributions remains at $5,500. … [Read more...]

Fall 2013 Wine & Finance – Entrepreneurs: Nuts and Bolts

Our theme for this quarter’s event is Entrepreneurship: Nuts and Bolts. Many here ARE entrepreneurs – or WANT to be entrepreneurs – or perhaps are recovering entrepreneurs. It’s a special breed. Entrepreneurs are, by nature, passionate, visionary and optimistic. The event’s speakers have much experience working with entrepreneurs. John Pompay is the owner of The POMPAY GROUP, which specializes … [Read more...]

How does divorce change your tax strategy?

Going through divorce is bad enough, the last thing you want to think about is your taxes. But after a divorce, you may be facing a very different tax situation, and it helps to determine your strategy well ahead of April 15. How does divorce change your tax strategy? … [Read more...]

Hidden costs of divorce

If you’re going through a divorce, you already know it’s expensive. Some of the costs are obvious, including lawyers, separate residences, and increased child care. But there are also insidious hidden costs of divorce to keep your eye on. They are often too small to notice until they add up. For example, the loss of “family discount” plans on phone, cable, and insurance bills. Even the need for … [Read more...]

Winter 2013 Wine & Finance – Midlife Career Change

Monica Molina Austin of Westwind Consulting Group spoke about strategies for making a midlife career change. Maura Griffin of Blue Spark talked about how to set the stage financially before you make the leap to a new career. This quarter’s Wine & Finance focuses on a topic that many can relate to: Midlife Career Change. There are some in this room who have made a successful transition … [Read more...]

New IRS Rules for Retirement Savings in 2013

The IRS increased the contribution limit for employees who participate in 401(k), 403(b), most 457 plans, and the federal government’s Thrift Savings Plan from $17,000 to $17,500. That's one of the new IRS Rules for retirement savings in 2013. But it left the catch-up contribution limit for employees aged 50 and over in 401(k), 403(b), most 457 plans and the federal government’s Thrift … [Read more...]

Retirement plan for teenagers?

Did your child or grandchild have a job this summer? It’s great for them to have their own hard-earned cash, and it offers a way for you to help them save for the future, tax-free. It's a retirement plan for teenagers. … [Read more...]

Sacrifice retirement savings for college?

Should parents sacrifice retirement savings for college? As the parent of a high school senior, I understand the desire to pay for children to go to college. To help your child graduate debt-free with a degree is an admirable goal and a wonderful gift. … [Read more...]

About Restricted Stock Options

So many employers now offer RSUs as an incentive for employees to remain on the job, but so many employees don’t really understand them. A friend of Blue Spark Capital Advisors asked us recently, “Should I sell my vested options or wait until I leave the company or retire?” The big question that will help you answer that is this: If you received a taxable cash bonus, would you turn around and use … [Read more...]

Is your will more than five years old?

Is your will more than five years old? Estate planning is one of the hardest parts of financial planning to focus on, largely because it spurs you to think about how the world will continue on after you die.  It’s easy to find more pressing issues to tackle first, like removing your wisdom teeth. But as Whitney Houston’s family painfully discovered in recent years, letting your will get stale can … [Read more...]

Blue Spark Capital Advisors

We're a boutique fee-only Registered Investment Advisory (RIA) and financial planning firm based in New York City and the Berkshires.

We provide planning and investment management services and financial coaching to women, men and their families.

We believe in a holistic approach. Movement in each piece of your financial plan impacts the others, so we consider your entire picture.

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New York, N.Y. 10010
(212) 537-3899

93 Church Street
Lenox, Mass. 01240
(413) 551-4445

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– Samuel Johnson (1709-1784)
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