
By Susan E. Campbell
Financial professionals helping clients plan for a comfortable retirement are accustomed to preparing for unknowns. But what happens when foundational systems like income taxes and health care hover on the verge of massive change?
“All the attention in the media is paid to national politics and legislation,” said Don Tenne, a registered representative and senior financial planner for Mass Mutual in Glens Falls. “But we spend our lives locally. How much passed legislation will affect my life, versus my property taxes, zoning or the traffic where I live?”
So he advises his clients, “Don’t get too caught up in tax reform or health care reform, because our lives are lived largely outside of the Washington bubble.”
While tax reform is important, the issue is not change, said Tenne, but how to make a financial plan and stay on course because times always change.






Teal, Becker & Chiaramonte, CPAs, PC announced that Gretchen Guenther-Collins, J.D. M.S., CPA, has rejoined the firm in the capacity of tax manager.