About Erich & Matt Patten, Cutler Investment Group

Matthew Patten is CEO and Investment Portfolio Manager at Cutler Investment Group. He is a graduate of Jacksonville Elementary School and South Medford High School. Matt earned BA degrees in Economics and Environmental Geo-Sciences from Boston College and a MBA from the University of Chicago. Erich Patten is President and Chief Investment Officer at Cutler Investment Group. He is a graduate of Jacksonville Elementary School and South Medford High School. Erich earned a BS in Economics from the Wharton School, University of Pennsylvania, and a Masters in Public Policy from the University of Chicago.
To find out more and meet the rest of our team, please visit www.cutler.com.

YOUR FINANCIAL HEALTH & WELLNESS CHECK-UP – by Erich & Matt Patten

On Money & More – September 2024

“An ounce of prevention is worth a pound of cure.” ~Benjamin Franklin

WHEN IT COMES TO OUR HEALTH, we often hear the importance of regular check-ups, balanced diets, and exercise routines. But what about our financial health? Just like our physical well-being, our financial health requires regular attention and care. […]

By |2024-09-09T18:28:48-07:00August 28th, 2024|Featured Stories, On Money and More|Comments Off on YOUR FINANCIAL HEALTH & WELLNESS CHECK-UP – by Erich & Matt Patten

SECOND QUARTER 2024 MARKET COMMENTARY – by Erich & Matt Patten

On Money & More – August 2024

“TO INFINITY, AND BEYOND!” In the Toy Story movies, Buzz Lightyear believes he can set a course to infinity. Buzz, of course, is a “space explorer” misplaced here on Earth with a cast of misfit toys. Perhaps Buzz is also an investor in NVIDIA. After all, the stock price […]

By |2024-08-13T20:05:20-07:00July 30th, 2024|Featured Stories, On Money and More|Comments Off on SECOND QUARTER 2024 MARKET COMMENTARY – by Erich & Matt Patten

BEING A PART OF THE WHOLE – by Erich & Matt Patten

On Money & More – July 2024

AS A PARENT of a 15-year-old, learning to drive has been an adventure. Recently, when we were sitting in traffic I said to my daughter, “If traffic makes you upset, just remember that you are part of the problem!” It is often helpful to think of our individual impact […]

By |2024-06-26T14:57:01-07:00June 26th, 2024|Featured Stories, On Money and More|Comments Off on BEING A PART OF THE WHOLE – by Erich & Matt Patten

INVESTING IN AN ELECTION YEAR – by Erich & Matt Patten

On Money & More – June 2024

CUTLER ADVISES OVER 2000 INDIVIDUALS. As you can imagine, we have clients across the political spectrum. And they are all worried about the election. Democrats are worried about Trump, Republicans are worried about Biden, and Independents are worried about both of them! As we get asked on a daily […]

By |2024-05-29T14:08:36-07:00May 29th, 2024|Featured Stories, On Money and More|Comments Off on INVESTING IN AN ELECTION YEAR – by Erich & Matt Patten

THREE BIG QUESTIONS FOR TODAY’S INVESTORS – by Erich & Matt Patten

On Money & More – May 2024

SPRING IS IN THE AIR, and this is a time when investors often say “Should I sell in May and go away?” There are always concerns bubbling to the surface for investors, but ultimately staying committed to your investment strategy has generally proven to be the most prudent strategy. […]

By |2024-05-01T17:38:18-07:00May 1st, 2024|Featured Stories, On Money and More|Comments Off on THREE BIG QUESTIONS FOR TODAY’S INVESTORS – by Erich & Matt Patten

PLANNING FOR RETIREMENT: MEDICARE IS A KEY PIECE OF THE PUZZLE – by Erich & Matt Patten

On Money & More – April 2024

AS YOU THINK ABOUT planning your retirement expenses, Medicare plays an essential role. This US government healthcare plan, established in 1965, serves as the insurance plan for over 65 million Americans. Medicare can be very confusing, with significant penalties for missed deadlines. For those who have not yet signed […]

By |2024-04-12T18:14:29-07:00March 27th, 2024|Featured Stories, On Money and More|Comments Off on PLANNING FOR RETIREMENT: MEDICARE IS A KEY PIECE OF THE PUZZLE – by Erich & Matt Patten

TAKE ADVANTAGE OF HEALTH SAVINGS ACCOUNTS – by Erich & Matt Patten

On Money & More – March 2024

IF THERE IS ONE THING that keeps our clients up at night, it is the question, “What will my health care costs be in retirement?” Of course, the answer to this question depends on the health and longevity of each individual client, but we can use actuarial estimates to […]

By |2024-03-04T12:37:52-08:00March 1st, 2024|Featured Stories, On Money and More|Comments Off on TAKE ADVANTAGE OF HEALTH SAVINGS ACCOUNTS – by Erich & Matt Patten

WHAT SHOULD WE EXPECT IN THE YEAR OF THE DRAGON? – by Erich & Matt Patten

On Money & More – February 2024

AS WE BEGIN A NEW YEAR, we can’t help but ask if 2024 will be the year that everything finally feels “normal” for investors. Stocks and bonds have been trying to escape the shadow of the pandemic, but lingering inflation has been a reminder of the lasting impacts of […]

By |2024-02-01T16:52:00-08:00February 1st, 2024|Featured Stories, On Money and More|Comments Off on WHAT SHOULD WE EXPECT IN THE YEAR OF THE DRAGON? – by Erich & Matt Patten

Roth Conversions Could Help Minimize Lifetime Taxes – by Erich & Matt Patten

On Money & More – Dec 2023/Jan 2024

Taxes are something that are always on investor’s minds. With record-high fiscal deficits and the “sunsetting” of the Trump tax cuts after 2025, a lot of people have raised concerns that their future tax rates will be going up. Last month we tackled the subject of gifting and […]

By |2023-11-29T14:39:33-08:00November 29th, 2023|Featured Stories, On Money and More|Comments Off on Roth Conversions Could Help Minimize Lifetime Taxes – by Erich & Matt Patten

Gifting Done Right – by Erich & Matt Patten

On Money & More – November 2023

It’s that time of year when Jacksonville lights up in all its holiday splendor. And as we approach year-end, many of us will be thinking about gifts. Perhaps for you this means buying gifts at one of our California Street boutiques. But for some, it may also mean giving […]

By |2023-10-27T12:20:32-07:00October 26th, 2023|Featured Stories, On Money and More|Comments Off on Gifting Done Right – by Erich & Matt Patten

Navigating the Transition – by Erich & Matt Patten

On Money & More – October 2023

The broader US economy is built upon the successes of small businesses. In fact, there are nearly 27 million small businesses nationwide! And Jacksonville is no exception. As anyone can tell from walking down California Street, small businesses are the lifeblood of our community. As an entrepreneur, you work […]

By |2023-09-27T12:28:50-07:00September 26th, 2023|Featured Stories, On Money and More|Comments Off on Navigating the Transition – by Erich & Matt Patten

The Rising Tide of Interest Rates: Impact on the Average American – by Erich & Matt Patten

On Money & More – August 2023

The Federal Reserve’s recent tightening cycle, initiated in 2022, is making waves in the everyday lives of ordinary Americans—from Wall Street all the way to California Street, here in Jacksonville. The rate hikes, aimed at curbing inflation and stabilizing the economy, affect everything from car loans to credit card […]

By |2023-08-16T15:24:56-07:00July 27th, 2023|Featured Stories, On Money and More|Comments Off on The Rising Tide of Interest Rates: Impact on the Average American – by Erich & Matt Patten

Understanding Asset Allocation – by Erich & Matt Patten

On Money & More – July 2023

Asset allocation—it’s a term you may have come across in conversations with financial advisors, CPAs, estate attorneys, or while watching business news channels. But what exactly does it mean, and why is it important for your investments? This month let’s go back to basics and talk about portfolio construction.

At […]

By |2023-07-14T14:44:40-07:00June 29th, 2023|On Money and More|Comments Off on Understanding Asset Allocation – by Erich & Matt Patten

No Robot, Not Yet – by Erich & Matt Patten

On Money & More – June 2023

This article is not written by a robot. At least, not yet. But we’ve all heard about the coming “artificial intelligence” revolution. ChatGPT, the language model now owned by Microsoft, has in just a matter of a few months exceeded 100 million users. But, unlike social media (which makes […]

By |2023-06-29T13:55:33-07:00June 29th, 2023|On Money and More|Comments Off on No Robot, Not Yet – by Erich & Matt Patten

If It’s Broken, It Can Be Fixed – by Erich & Matt Patten

On Money & More – May 2023

“The Fed will keep raising rates until something breaks!” is an often-repeated Wall Street axiom. Well, this past quarter when Silicon Valley Bank (SVB) failed, something broke. But can it be fixed?

The stress in the banking sector is not entirely surprising. Nearly all of us are aware that our […]

By |2023-07-14T14:44:07-07:00June 29th, 2023|On Money and More|Comments Off on If It’s Broken, It Can Be Fixed – by Erich & Matt Patten

A Good Investor – by Erich and Matt Patten

On Money & More – March 2023

What makes a good investor? There is no single answer to that question. Some people would say that “luck” is the best course of action, while (similarly) others might say “timing.” We would agree! These definitely are keys to success, but unfortunately they are not something that we can […]

By |2023-03-03T15:52:17-08:00March 3rd, 2023|Featured Stories, On Money and More|Comments Off on A Good Investor – by Erich and Matt Patten

Santa Claus Rally? – by Erich & Matt Patten

On Money & More – December 2022/January 2023

We’ve spent much of 2022 working off the fiscal and monetary excesses of the pandemic economy; excessive amounts of cash creation coupled with excessive lengths of time with suppressed interest rates. These mistakes led to excessive purchases of speculative asset classes such as cryptocurrencies (even dogecoin had its […]

By |2022-11-28T16:21:56-08:00November 28th, 2022|Featured Stories, On Money and More|Comments Off on Santa Claus Rally? – by Erich & Matt Patten

Be Diligent in Monitoring Income Sources – by Erich & Matt Patten

On Money & More – October 2022

To help combat persistently high inflation rates coming out of the pandemic economy, the Federal Reserve has increased the short-term lending rate from essentially 0% to 2.25% this year. Even more rises are anticipated, with the majority of future bets currently predicting that we will end the year with […]

By |2022-09-29T13:51:02-07:00September 29th, 2022|Featured Stories, On Money and More|Comments Off on Be Diligent in Monitoring Income Sources – by Erich & Matt Patten

Investment Advice from Aesop – by Erich & Matt Patten

On Money & More – September 2022

Let’s take a break from all the debate about inflation and recession to provide some real hard hitting investment advice relating to one of history’s greatest storytellers—Aesop. Aesop was born in 620 BC, and storytelling in Ancient Greece was likely not the most lucrative career. But Aesop had a […]

By |2022-08-31T15:06:05-07:00August 31st, 2022|On Money and More|Comments Off on Investment Advice from Aesop – by Erich & Matt Patten

Silver Linings – by Erich & Matt Patten

On Money & More – August 2022

A recession is not “officially” determined by two straight quarters of negative Gross Domestic Product (GDP) readings, but that definition has been used for so long that is has become accepted as fact. And after one of the worst starts to the year in history for stocks, the debate […]

By |2022-08-11T16:09:42-07:00July 28th, 2022|Featured Stories, On Money and More|Comments Off on Silver Linings – by Erich & Matt Patten

Official or Unofficial Recession? – by Erich & Matt Patten

On Money & More – July 2022

After first quarter US Gross Domestic Product shrank 1.5%, and with second quarter GDP trending toward 0%, recession concerns are appropriately on investors’ minds. A recession is typically defined as “two quarters of negative growth,” and whether or not the US officially meets these numbers—unofficially, things sure feel that […]

By |2022-07-12T14:57:51-07:00July 1st, 2022|Featured Stories, On Money and More|Comments Off on Official or Unofficial Recession? – by Erich & Matt Patten

Tools of the Trade – by Erich & Matt Patten

On Money & More – June 2022

There are a lot of free tools out there to help with financial planning. Most real estate websites will have a mortgage calculator. With rising mortgage rates, knowing what is affordable is essential for a prospective homebuyer. Another common tool asks, “Have You Saved Enough for Retirement?” If you’ve […]

By |2022-06-08T13:01:02-07:00May 31st, 2022|Featured Stories, On Money and More|Comments Off on Tools of the Trade – by Erich & Matt Patten

Yield Curves and Money – by Erich & Matt Patten

On Money & More – May 2022

Yield curves are supposed to slope upward. For example, if you loaned your neighbor $1000 for a day, you’d probably ask for $1000 tomorrow. But, if the loan were for a year, perhaps you’d ask for $1100. How much would you ask for if the loan was for 30-years? […]

By |2022-05-02T09:28:25-07:00May 2nd, 2022|Featured Stories, On Money and More|Comments Off on Yield Curves and Money – by Erich & Matt Patten

Be Prepared – by Erich & Matt Patten

On Money & More – April 2022

Cutler has long been a supporter of the Boy Scouts. We provide volunteer hours, financial support, and have kids enrolled in the program. And, if there’s one thing that Scouting has taught us, it’s that you should always “Be Prepared.” This has been the Scouts’ motto since the organization […]

By |2022-03-31T16:57:32-07:00March 31st, 2022|Featured Stories, On Money and More|Comments Off on Be Prepared – by Erich & Matt Patten

Love…and Money! – by Erich & Matt Patten

On Money & More – February 2022

February is a month where we celebrate many things. President’s Day comes to mind, and with it a long weekend. Super Bowl Sunday should be a national holiday. And, of course, there’s Valentine’s Day. This month, let’s talk about love. And finance. Okay, words that don’t often go together. […]

By |2022-01-28T18:21:21-08:00January 28th, 2022|Featured Stories, On Money and More|Comments Off on Love…and Money! – by Erich & Matt Patten

Year-End Thoughts – by Erich & Matt Patten

On Money & More – December 2021/January 2022

From all of us at Cutler Investment Group, Merry Christmas! In past December Jacksonville Review articles, we have taken this space to highlight some year-end housekeeping items that investors should be aware of. Tax-loss selling is at the top of that list, which is selling your stocks that […]

By |2021-12-10T16:27:34-08:00November 30th, 2021|Featured Stories, On Money and More|Comments Off on Year-End Thoughts – by Erich & Matt Patten

All Eyes on Inflation – by Erich & Matt Patten

On Money & More – October 2021

A few articles ago, we identified inflation as something to keep an eye on. And sure enough, inflation has been putting on a show! Housing prices in Jackson County were up almost 25% in the 12-months ending in last May. The median house price in Jacksonville is now over […]

By |2021-09-30T10:18:57-07:00September 30th, 2021|Featured Stories, On Money and More|Comments Off on All Eyes on Inflation – by Erich & Matt Patten

When to Use a Guide – by Erich Patten

On Money & More – September 2021

This past month, I completed a “bucket list” item—climbing Mt. Rainier. It took months of training, and all 14,411 feet were challenging, but it was also immensely rewarding. And at times terrifying. There were also a few lessons for a financial advisor along the way!

The final day began with […]

By |2021-08-26T15:23:18-07:00August 26th, 2021|Featured Stories, On Money and More|Comments Off on When to Use a Guide – by Erich Patten

Eyes on Inflation – by Erich & Matt Patten

On Money & More – July 2021

Inflation is on everyone’s mind these days. Looking at Google Trends data, May searches for “Inflation” reached the highest level since Google began tracking, nearly double the number of searches as recently as last fall. Should investors be scared of inflation? What should we be doing to position portfolios […]

By |2021-07-13T15:25:38-07:00July 1st, 2021|Featured Stories, On Money and More|Comments Off on Eyes on Inflation – by Erich & Matt Patten

Blowing Bubbles – by Erich & Matt Patten

On Money & More – June 2021

Dogecoin (pronounced dowzh·koyn) traded at $.0054 on January 1st. By May, the price has reached over $.70- or over 12,000% higher! “Crypto-currency” has become the cocktail party (remember those!) conversation of the day. But, caveat emptor, this month’s article is a brief history of financial bubbles.

Bubbles have typically been […]

By |2021-06-14T13:06:10-07:00June 1st, 2021|Featured Stories, On Money and More|Comments Off on Blowing Bubbles – by Erich & Matt Patten

An Inflation Hedge – by Erich & Matt Patten

On Money & More – April 2021

The financial response to this ongoing (and hopefully soon subsiding) pandemic has been enormous. And while that has helped to stabilize at-risk households and to boost many stock indexes to record highs, it has also led to increasing concerns about prospects for inflation. Total Covid-related Federal expenditures are approaching […]

By |2021-04-05T17:20:41-07:00March 26th, 2021|Featured Stories, On Money and More|Comments Off on An Inflation Hedge – by Erich & Matt Patten

Understanding Game Stop – by Erich & Matt Patten

On Money & More – March 2021

Are you familiar with GameStop? If so, you probably know it as a place to buy and sell video games. But, for a brief moment, it was the center of the investing universe. (NYSE:GME) GameStop, like many retail stores, struggled in 2020 and had, understandably, seen its share price […]

By |2021-03-26T08:29:51-07:00March 26th, 2021|On Money and More|Comments Off on Understanding Game Stop – by Erich & Matt Patten
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