In The News



Our articles and perspectives relating to wealth and risk management, financial literacy, and market structure have been featured in a variety of respected publications, including: The Wall Street Journal, CNN Money, Investor IQ - Financial Times, Dow Jones MarketWatch, Reuters, Financial Planning, On Wall Street, Forbes and Barron’s Magazine. The Sedoric Group is also a regular contributor to The New Hampshire Business Review and a proud supporter of New Hampshire Public Radio and numerous charitable organizations.

For Some, 4-Year College a Bad Investment - The Portsmouth Herald, October 2017
Since meeting the educational needs of the baby boom generation in 1960s, the overwhelming institutional and cultural bias has been that everyone should get a college education. We may long ago have passed the point of false worship. If a college education is supposed to be a launching pad for acquiring competitive skills in the global marketplace, why do we rarely evaluate education for its actual value, especially when that cost can be financially corrosive to many students and their families?

Will the Can Kick Back? - New Hampshire Business Review, September 2017
We all know the saying, “kicking the can down the road,” about delaying vital personal or political decisions set aside for another day or, perhaps, even another decade or century. We could list hundreds of deferred decisions that impact individuals personally, economically and socially: low retirement savings; misdirected spending; a lack of political discipline regarding infrastructure and the inflated cost of education; or real pension and entitlement reform.

How to Plan for a Future That's Decades Away - Barron's Next, July 2017
The challenge is that we can do a lot of little things right, but one big purchase can offset all that good work,” says Casey Snyder, a Wells Fargo financial advisor with the Sedoric Group. 

The Value of Critical Thinking - New Hampshire Business Review, June 2017
As planners, we are not in the business of prognostication. We don’t pretend to know where the markets are headed, nor how the political landscape will shape new regulations. What we do recognize, however, is that there has never been a more vital time to think critically to better serve the growing list of families we represent.

Inspiring Financial Prudence - New Hampshire Business Review, May 2017
People deserve recognition for the execution of their plan: for doing the trivial things they have control over that have a profound impact on the bigger picture; perhaps for delaying gratification; for living within their means; for executing their estate plan; for being patient during times of distress; even for checking their credit. If only effort and hard work were glorified via social media or in social settings rather than imprudence.

Is Your House an Asset or Not? - New Hampshire Business Review, March 2017
Just as we have questioned the true value and cost of higher education in an era of increasing student loan debt (and stagnating wages), how we handle the questions of where to live and how much to spend on housing should also come under scrutiny. 

Civics 101: A Podcast - New Hampshire Public Radio, January-April 2017
Ever wonder what a White House Chief of Staff actually does? How about a Press Secretary? And is gerrymandering still a thing in this country? The first 100 days of the Trump administration is the perfect time to bone up on civics you should have learned in school…but probably didn’t. Civics 101 is your podcast guide to what you need to know, when it matters most.

Solving the Education Dilemma - New Hampshire Business Review, December 2016
Never has the need for education been so great, yet never have the majority of options consumed such a high percentage of gross income, nor left students with such burdening sums of student loan debt.No state represents this conundrum better than New Hampshire, which was recently ranked first for the highest average debt per student ($36,101) upon graduation. 

Investors: Don't Panic - Barron's Next, November 2016
The future may look uncertain after Donald Trump’s unexpected win of the U.S. presidential election, but the future of your investments? That’s an entirely different matter. Today, make it your mantra to stick with a long-term plan and not let your emotions take charge. 

How Clients Communicate - Financial Times, November 2016; and the New Hampshire Business Review, January 2017
Today, everyone has their own unique style of communication, and these various modes can be both a blessing and a curse for the engaged relationship. However, it is a real dilemma when a client chooses to sporadically siphon information using various media and neglects to openly and consistently communicate with those they’ve installed as partners in their financial security.

Where to Start when Coaching Millennials - Financial Times, September 2016
As we age, it is not uncommon to reflect on our successes and failures throughout our life – those involving our family, our careers, and even our financial decisions. Have we met our goals, or fallen short? Of course, nobody wakes up in the morning and declares ‘Today is the day I’m going to ruin my retirement,’ yet we see it more often than we should. Why does this happen? As many find out too late, the decisions that we make while we’re young have lasting implications and often mean the difference between financial distress and financial well-being in our later years.

Sequencing Matters More than you Realize - Financial Times, July 2016
Of all the tools at the disposal of investors, few people recognize the financial significance of sequencing. Sequencing has the potential to add great value but when ignored can be a devastating mistake for those seeking financial security and independence.

Financial Advisers urge Patience as Brexit Roils Market - Union Leader, June 2016
Financial advisers are telling Granite Staters not to panic in the wake of Friday’s global stock market plunges, triggered by the shocking British vote to pull out of the European Union. The key to understanding the financial volatility, several experts said Friday, is not the vote itself — it’s the shock of it.

Are you Ready for Higher Taxes? - Financial Times, May 2016; and the New Hampshire Business Review, June 2016
With another tax season in the rear-view mirror, the last thing most people want to think about is tax planning. But here’s the honest truth: wise tax planning is a lifelong activity and pays untold and tangible benefits when properly attended to.

Providing Equal Justice for All - The Portsmouth Herald, April 2016
At the 75th anniversary of the New York legal Aid Society in 1951, the legendary Federal Judge Billings Learned Hand spoke about the importance of legal representation for all. “It is the daily; it is the small; it is the cumulative injuries of little people that we are here to protect,” said Hand, a Harvard graduate and one of the most quoted and cited judges in American history. “If we are able to keep our democracy, there must be one commandment: Thou shalt not ration justice.”

My Lunch with Paul Volcker - New Hampshire Business Review, March 2016
Recently, I had the pleasure of an extended lunch with one of my all-time heroes, Paul Volcker, former Fed chairman (1979-1987) and the first chair of the Economic Recovery Advisory Board (2009-2011). I was curious to learn and discuss his opinion on many economic and political topics, but in particular how the Volcker Rule has played out as part of the larger Dodd-Frank financial reform legislation.

Another Big Drop on Wall Street - Union Leader, January 2016
Thomas J. Sedoric, managing director of investments with the Sedoric Group of Wells Fargo Advisors in Portsmouth, cited a recent Wells Fargo market update that made a similar observation: “With prevailing negative sentiment, good news can be ignored while even marginally negative news fuels further selling.” 

Retirement Dilemma: Easing the Tax Hit - Financial Planning Magazine, September 2015
Income tax bills often soar when a client turns 70 1/2, triggering what the IRS terms required mandatory distributions from tax-deferred retirement accounts. If clients still want to pursue paid occupations because they enjoy them and gain a sense of self-worth, their income from work and the RMD together might bump them into a higher tax bracket.

NH Investors Ride out Plummeting Market - Union Leader, August 2015
Tom Sedoric, managing director for investments at Wells Fargo Advisors in Portsmouth, was at his desk on Saturday, putting in some weekend time to ease concerns of clients about the plummeting stock market.

End the Scourge of Financial Jargon - Financial Times, April 2015
In an ideal universe, communication trends would reflect progress toward greater clarity. Alas, we reside in a messier realm, where more specialization has led to more complexity — and more confusion for those out of the jargon loop.

Don't be Seduced by Advisor Rankings - Financial Times, September 2014
We live in the age of rankings. Anything that can be compared with something else in the same category is certain to wind up on a list, arranged according to someone’s idea of merit or interest. From talk-show host David Letterman’s Top Ten list to the exotic WAR (wins above replacement) metric in Major League Baseball, our quest to measure and evaluate work and play has
never been so prevalent.

Barron's The Best Advice Column -  Barron's, August 2014
Tom Sedoric is something of an outlier in the upper reaches of the financial advisor industry: While his peers compete for the richest possible clients, he typically focuses on those with around $1.5 million to invest.

When do we Make Our Best Financial Decisions? - MarketWatch, March 2014
So says Lewis Mandell, professor emeritus of finance and managerial economics at the University at Buffalo School of Management and the author of the book, “What to Do When I Get Stupid: A Radically Safe Approach to a Difficult Financial Era,” which critics and consumer advocates have called a warning to the baby boom generation.