Latest Posts

Social Security Facts for 2019

by Ray Sagner on Nov 21, 2019

As of December 2018, more than 43.7 million retired Americans collected Social Security, with more than 8 million disabled workers collecting benefits as well. But Social Security is much more than retirement income. Along with providing a small income to millions of seniors, Social Security also provides life insurance as well as survivor benefits.

If you’re nearing retirement age and still have a lot of questions about Social Security, here are a few facts for you to consider:

Investing in Single Family Homes

by Ray Sagner on Nov 14, 2019

When looking for an investment, many people are turning to real estate. There are a variety of ways to invest in real estate, though one of the most popular ways to invest is by purchasing income-producing property. This can be done through the purchase of multi-family apartments, commercial/retail property, or single-family homes. Single family homes offers an excellent entry point into real estate investing, requiring minimal funds up front, while providing a nice revenue stream for investors.

401(k) Basics

by Ray Sagner on Nov 7, 2019

As a retirement plan, 401(k) plans currently outpace the competition, with more than 54 million Americans participating in a 401(k) plan, and nearly 550,000 plans offered.

Employer sponsored, 401(k) plans are by far the easiest mechanism for workers to get started saving for retirement. And because there is typically an employer match for contributions up to a certain percentage, workers can end up leaving a significant amount of money on the table if they choose to forego participating in the company 401(k) plan.

Planned Giving Goes Further

by Ray Sagner on Oct 17, 2019

There are many ways that we support our favorite charitable causes. However, one of the most beneficial ways to support a favorite charity now and into perpetuity is through planned giving. While almost any larger nonprofit organization has an active planned giving program, it may come as a surprise that many smaller nonprofits are also eager to work with their donors on planned giving options.

Why Financial Literacy is Important

by Ray Sagner on Oct 10, 2019

Being financially literate in today’s economic climate is more important than ever. Understanding finances can help you make better money management decisions, budget your money properly, adequately save for college, and be financially prepared for retirement. While it may sound daunting, financial literacy starts with a budget. Today, only one third of Americans have a budget that they actively use when making financial decisions, although 75% of Americans believe you should have a budget.

Financial FAQs

by Ray Sagner on Oct 3, 2019

Here are the answers to some of the most frequently asked financial questions.  

I’ve just started my first job.  Do I really have to start saving for retirement now?

How to Create a Financial Plan

by Ray Sagner on Sep 26, 2019

Creating a financial plan may seem overwhelming to those that have never completed one, but taking the first steps to creating a plan is much easier than you may think. Even if you plan on hiring a professional financial planner down the road, creating a rudimentary plan can go a long way towards sharpening your goals, making your meeting with a financial planner much more useful when it does occur.

If you’re not sure where to start, just follow these easy steps.

Investing in Tangible Assets

by Ray Sagner on Sep 19, 2019

Remember Beanie Babies?  In the late 1990’s, Beanie Baby mania swept the country, with amateur collectors searching frantically at every card shop and kids store to find the latest beanie. Many turned to online stores and eBay, looking for the Beanie Baby that would make them enough money to retire or send their kids to college. Ty, Inc., makers of Beanie Babies helped to fuel this craze by ‘retiring’ certain Beanie Babies, making them unavailable, and in essence, increasing their value.  The Beanie Baby craze lasted through 1999, abruptly ending when Ty Inc.