Latest Posts

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

by Ray Sagner on Feb 13, 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 always the best place to start. 

Cash Flow

How can a Financial Advisor Can Assist me with Lowering Tax Liability?

by Ray Sagner on Feb 6, 2020

Earning an income comes with taxes, and your investment incomes are no different. As your portfolio grows into retirement, it’s important to consider the difference between retirement pre-tax income and retirement after-tax income. A savvy advisor will consider your future tax liabilities to be an integral part of your overall retirement strategy. After all, it’s the cash that matters!

How do I know if my Financial Advisor is the Right Fit?

by Ray Sagner on Jan 30, 2020

Choosing the right financial advisor can be tough. How do you know if it’s the right person (or company) to manage your life savings? It’s an important job and it pays to shop around for the best option for you and your family. Check out our advice below to see whether you should stick with your pro or find a new advisor to manage your investments.

Fees

Income Tax 101

by Ray Sagner on Jan 23, 2020

A lot of people are under the impression that tax planning is only for high-wealth individuals. However, like financial planning, just about everyone can benefit from some level of tax planning, whether that means becoming better acquainted with the various tax savings options available, or making proactive decisions based on your current financial situation. One of the best investments you can make is to visit with a financial or tax advisor to determine just where you may be able to save.

Do Your Donor Due Diligence

by Ray Sagner on Jan 16, 2020

If you’re like most Americans, you make the majority of your donations to charitable organizations in November and December. But as you get ready to pull out your checkbook to write that check or go online to make a donation from your favorite organization’s website, make sure to perform some due diligence; particularly if you’re considering giving to an organization for the first time.

So, what should you know about the organization you are interested in giving to? Here are a few things to look for:

Stock Market Investing

by Ray Sagner on Jan 9, 2020

Are you ready to start investing? Investing in the stock market can be particularly rewarding, but not without risk. If you’re particularly risk averse, you may want to consider another method of investing, or start the investment process slowly. This can also be true for older potential investors who do not have the time or inclination to wait out a downswing on a stock.

Life Insurance Options

by Ray Sagner on Jan 2, 2020

When John recently lost his wife Betty to cancer, their children were surprised to find out that neither John nor Betty had life insurance. As a result, the children ended up paying the cost of the funeral, and John, currently on a fixed income, is left contemplating whether he can afford to stay in the home they had lived in for over 25 years. 

An untimely death can have a major financial impact on those left behind, particularly if there is a mortgage to pay, credit card debt, or an outstanding auto loan.  Even final expenses can be a burden. 

Keeping your Personal Finances in Shape

by Ray Sagner on Dec 26, 2019

While it’s highly recommended that we use a financial advisor when we start to grow our investment portfolio, there are a lot of things you can do before you ever speak to a financial advisor to grow and maintain your investment portfolio. Investing, like everything else in life, has no guarantees, and even the hottest stock or the best tip may not always perform the way we would like. Keeping that in mind, here are a few things you can do (or not do) when just starting on your investment journey.