The five-year period before retirement is the most critical for making decisions on how to protect your wealth. As retirement planning is no small task, you must consider all your assets, accounts, and investments to make the wisest choices moving forward.
Preparing for the unexpected can be one of the best actions you can take to protect yourself, even in the event of a loved one's death. During an already difficult time, many families have experienced the added challenge of not knowing how to properly manage the deceased's assets
A carefully crafted estate plan helps prepare for the future, ensuring your legacy is passed on after your death. Many clients think that having a will is enough to ensure their assets are passed down to their heirs. However, a living trust provides more than just peace of mind
A portfolio that balances risk with reward can help ensure your investments ultimately meet your financial goals for the future. Managing a well-balanced portfolio requires careful planning, and this could include selling winning securities to help reduce future tax bills.
Does the thought of working past retirement age appeal to you? According to a 2016 study from the Pew Research Center, approximately 9 million Americans aged 65+ work part-time or full-time. If you are one of them or are planning to be, then you are certainly in good company.
The idea of early retirement is exciting for some and hard to imagine for others. Some companies, however, offer retirement buyouts for longer-tenured employees as they move closer to the standard retirement age. If you’ve been offered an early retirement buyout package,
A certified financial planner (also referred to as a CFP) manages assets on behalf of their clients. They are considered the gold standard when it comes to financial planning. Certified financial planners who act in a fiduciary capacity are an integral part of a retirement plan and as they seek their client’s best interests.
Most of us hate talking about our money. That’s because it can seem like there is never enough of it, and we don’t want to live under a budget. When you don’t consider your money, you are free to do with it as you wish. However, when you have no plan for your money, you soon realize that you will forever be chasing it.
Retirement can be an exciting time of life, and for many people, a time of good fortune. On the other hand, retirement may also come with some unexpected costs. Fortunately, with some forethought and planning, you can prepare for many of these unanticipated pitfalls and keep your retirement financially secure and enjoyable.
Most of us want to retire at some point in our lives. Since you're not working, you have no income coming in from an employer, meaning you have to take the money you have while you're working, save it, and grow it so it can support you into retirement.
We are often able to mitigate the “delayed” part of gratification - almost everything ships within a couple of days, we can have food delivered to the front door - we are no strangers to immediacy. This can make reaching savings goals feel exceptionally difficult.
Insurance plays an important role in our financial wellbeing, from protecting our home to providing essential medical care. Yet insurance for the care we require later in life is often overlooked. Long-term care insurance helps bridge this gap. Beyond ensuring you receive the highest standard of support as you age
Securities and investment advisory services offered through Sagepoint Financial, Inc. (SPF) member FINRA/SIPC. SPF is separately owned and other entities and/or marketing names, products or services referenced here are independent of SPF. This communication is strictly intended for individuals residing in the states of AZ, CA, FL, GA, IL, LA, NY, OH, TX, WI. No offers may be made or accepted from any resident outside the specific state(s) referenced.
Financial Advisors do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation.
Separate from the financial plan and our role as a financial planner, we may recommend the purchase of specific investment or insurance products or account. These product recommendations are not part of the financial plan and you are under no obligation to follow them.
Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.