Latest Posts

How to Finance Your Dream Car

by Ray Sagner on Dec 3, 2020


Car ownership is necessary for many of us to get around, especially for those who live far from public transportation. While you may choose to drive something practical for your everyday commute, errands and travel, you probably have dreams of driving a car that’s fun, sporty and luxurious. Owning an expensive luxury or exotic vehicle may seem out of reach, but there are financial options available to make your dream a reality. Here are some ways you can finance and save for that luxury vehicle.  

The Importance of Proper Planning for a Physically Ill Spouse or Loved One

by Ray Sagner on Nov 26, 2020

Proper financial planning should always be a focus, but for those who are dealing with a physically ill spouse or loved one, it is crucial. There are several financial considerations that you will need to ponder, and naturally, these will not work with every situation, and chatting with a professional financial planner is one place to start.

Cash Flow

Explaining the Benefits of a 401(k) to Young Adults Entering the Workforce

by Ray Sagner on Nov 19, 2020

If you have a child graduating from high school or college and entering the workforce, they may have the opportunity to open up a 401(k) through their new employer. In some cases, that employer will also offer matching contribution funds up to a certain percentage. While it sounds like a no-brainer to take advantage of these benefits early, less than one-third of employees ages 25 and younger participate in their employer’s 401(k) plan. 

5 Ways to Safeguard Your Finances Against a Second Wave of Coronavirus

by Ray Sagner on Nov 12, 2020

The Coronavirus pandemic has affected us all in ways that we didn’t anticipate at the start of the year, especially when it comes to our finances. And unfortunately, just as federal emergency benefits are starting to run out, signs of a second wave of the virus are looming—and some may even say it’s already here.

The good news is that there are ways to protect your finances in the event of a second wave of Coronavirus. Whether you took a hit over the past few months or not, here’s some suggestions on ways to help safeguard your finances moving forward.

Retiring as a Small Business Owner

by Ray Sagner on Nov 5, 2020

There are over 30 million small businesses in the United States. Many people start their own businesses in order to become their own boss and take control over their schedules, career goals and finances. It can be incredibly rewarding to start and own a successful small business. But one thing that many small business owners may not think about is a retirement plan.

The Value of Investing with a Financial Professional Instead of a Do-It-Yourself Approach

by Ray Sagner on Oct 29, 2020

Paying fees for professional investment management is something we’d all like to avoid. Why pay for some guy in a suit to manage your investments when you can do-it-yourself with a simple online brokerage account? There are many reasons to trust a professional - read on to find out whether it’s worth it to go with the pros.

Active vs. Passive

Understanding Exchange-Traded Funds

by Ray Sagner on Oct 22, 2020

Thinking about where to invest your money can be overwhelming and confusing, especially for those who are unfamiliar with all options for investing. If you’d like to take advantage of the ease of stock trading with the diversification of mutual funds, exchange-traded funds (ETFs) can give you the best of both worlds. Here are some key things to know about ETFs before investing.

How to Plan Long-Term Care Before You Need It

by Ray Sagner on Oct 8, 2020

It’s daunting to think about the day when you may not be able to live independently and care for yourself. But planning early for long-term care can keep you from becoming overwhelmed in the event that you develop a chronic illness, disability or other condition. By planning your care now, you’ll be more likely to have greater control over significant decisions and remain comfortable as you get older. 

Here are some ways that you can start planning your long-term care before you need it: