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June 9, 2025 in Retirement Planning, Social Security
You’ve likely spent years building your retirement nest egg—saving diligently, investing wisely, and contributing to retirement accounts along the way. But transitioning from earning a paycheck to relying on your savings can feel overwhelming. It’s a major life change, and having a clear strategy can help ease the stress. As financial professionals, we help clients navigate this shift by developing strategies that turn the wealth they’ve accumulated into reliable retirement...

June 6, 2025 in Behavior/Psychology, Investing
“The Four Most Dangerous Words In Investing Are: ‘This Time It’s Different.’” – Sir John Templeton Despite those who say the conventional wisdom that has guided investor actions over the years is no longer valid in 2025, remember the famous quote from legendary investor Sir John Templeton: "The four most dangerous words in investing are: 'This time it’s different.'" While the underlying cause of market volatility may differ from what we experienced...

February 11, 2025 in Identity Theft, Tax Management
Tax season brings a new wave of identity theft risks, with criminals ready to exploit your personal data to file fraudulent tax returns in your name. Imagine the shock of discovering that a criminal beat you to filing your taxes—potentially reaping your refund or creating serious headaches with the Internal Revenue Service (IRS). Unfortunately, this scenario is becoming increasingly common and serves as a stark reminder of why vigilance is...

December 13, 2024 in Economics, Investing
As we approach the end of 2024, it's an opportune time to reflect on the year's financial developments and consider what 2025 may bring. We believe in understanding both the past and potential future of our economic landscape, which may help inform financial decisions. This year has brought its share of financial developments, from market fluctuations to policy changes that have shaped the economic environment. Shifts in various sectors, interest rate...

November 6, 2024 in Dimensional, Evidence-Based Investing
We are pleased to provide you with our Quarterly Market Review. Well, it finally happened. After months of will-they-or-won’t-they speculation, the Federal Reserve cut interest rates in September. And it was a relatively big one: The half-percentage-point decrease was the biggest the Fed has made since its emergency rate reductions in March 2020 at the onset of the pandemic. The good news: With these cuts, policymakers acknowledged the progress they’ve made in...

September 13, 2024 in Investing, Public Policy
The Impact of Elections on the Markets and Tax Policy With Labor Day behind us, we're in the final stretch of the 2024 presidential election race. As we follow the news and parse the most recent polls, some may ask, "How might what happens on November 5 impact my finances?” As financial professionals, we’ve done some homework and come to the following conclusion: you may care passionately about who wins, but your...

August 13, 2024 in SageBroadview News
As our Tax Manager, Sarah will be working closely with our clients on tax planning strategies to complement the financial plans and investment strategies that we have developed as part of the overall fee-only wealth management process we provide. She will also be actively involved with our affiliate, SAGEbroadview Tax, preparing all forms of tax returns for our clients, their businesses, and their families. Sarah has 12 years of practical, hands-on...

August 9, 2024 in College Planning
Sending a child off to college is a major milestone for any family, whether you’re a parent, grandparent, or close friend. It’s an exciting time, filled with anticipation and perhaps a bit of trepidation. There’s so much to do, and time seems to fly by. As the big day approaches, you might find yourself helping to check off items on their list (extra-long sheets, shower caddy, microwave mac & cheese, etc.)....

July 22, 2024 in Dimensional, Evidence-Based Investing
While we hope you are enjoying other types of summer reading, if you wish to examine world capital market performance for the past quarter, you can check out our Quarterly Market Review for Second Quarter 2024. In the U.S., it’s an election year, with the usual election rhetoric and high-stakes alarmism across the board. Elsewhere, global economic orders may be reshuffling as nearly half the world’s population heads to the polls...

July 2, 2024 in Business Planning
If you are a small business owner—or plan to be one—you should be aware of a new reporting requirement. The Corporate Transparency Act (CTA), passed in 2021, changed beneficial ownership rules, which is expected to impact 32 million businesses in 2024 alone. Suppose you own more than 25% of a company, directly or indirectly. In that case, you must be included in the company’s Beneficial Ownership Information (BOI) report, filed with...