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August 8, 2023 in Identity Theft, Risk Management, Technology
Don't Get Hooked: A Guide to Recognizing and Avoiding Phishing As financial professionals, we understand how vital it is to safeguard your personal and financial information. Unfortunately, in our increasingly digital world, cybersecurity risks, such as phishing attacks, have become a prevalent issue that can compromise your financial health and personal identity. Phishing is a deceptive practice employed by hackers to trick you into divulging sensitive personal or account data, often via...

July 25, 2023 in Dimensional, Evidence-Based Investing
Recent numbers are now in, with good news to share -- most disciplined investors have been richly rewarded for sticking with their appropriate investment allocations. Even had quarterly and year-to-date numbers not been so sweet, we would have advised you to remain invested as planned. The same can be said for whatever the rest of the year has in store. We know markets have delivered positive returns over time, but we...

July 13, 2023 in College Planning, Estate Planning, Tax Management
How the SECURE 2.0 Act Changed 529 Plans Changes to 529 Plans in the SECURE 2.0 Act The SECURE Act was initially passed by Congress at the end of 2019 and was intended to improve retirement savings opportunities. It was a big deal at the time and the most significant piece of retirement legislation since the 2006 Pension Protection Act. Congress came together to pass SECURE 2.0 at the end of 2022 to...

July 3, 2023 in Estate Planning, Insurance, Tax Management
Health Savings Accounts: Pros, Cons, and Retirement Considerations What if your child needs braces? The cost may be as much as $6,000 for metal braces—more modern versions can run as much as $13,000. Your health insurance may cover only a portion of the cost. If you're well past the braces stage, what if you or a loved one needs extended care, which almost 70% of those turning 65 today are expected...

June 6, 2023 in Estate Planning
Top 7 Most Common Estate Strategy Mistakes (and How to Avoid Them) Getting your affairs in order and outlining what you want done with your estate after you’re gone is one of the greatest gifts you can leave your loved ones. However, not preparing for the transfer of your assets can lead to confusion, potential family disputes, and outcomes that don’t align with your ultimate wishes. Creating a financial strategy that considers...

May 23, 2023 in Estate Planning, Tax Management
Estate management can be a complex and daunting task for many people, but it’s a critical step in helping your assets get managed and distributed according to your wishes. One popular tool that can be used in estate strategies is a living trust. A living trust can provide a flexible and efficient way to manage assets during your lifetime and after your death, but it’s important to understand how it works...

April 18, 2023 in Dimensional, Evidence-Based Investing
The “I’s” had it across the first quarter, as inflation and interest rates continued to dominate financial headlines. That is, at least, until the Silicon Valley Bank meltdown took over, followed by the government’s swift reaction to the same. What should you make of the quarterly news? If you’d missed these events in real time, you may not even have known they’d happened. At quarter-end, inflation continued to simmer on the...

February 3, 2023 in SageBroadview News
SAGEbroadview would like you to join us in celebrating a noteworthy achievement by our Associate Advisor, Danny Lester – his earning of the CERTIFIED FINANCIAL PLANNER™ marks. We are so excited for what lies ahead for Danny, and very proud of his accomplishments. Danny Lester, CFP® on becoming a CERTIFIED FINANCIAL PLANNER™ Professional: In 2017 I was fortunate to be set on the path to CFP® certification by one of my college professors. Now, almost...

July 11, 2022 in Dimensional, Evidence-Based Investing
If you wish to examine world capital market performance for the past quarter, you can check out Dimensional’s Quarterly Market Review for Second Quarter 2022. Personally, I’d recommend enjoying other types of summer reading for now, as we will continue to monitor this data on your behalf. But if you are truly interested, don’t miss Marlena Lee’s article on pages 16 to 18 entitled “Three Crucial Lessons for Weathering the Stock Market’s Storm”. Her...

June 29, 2022 in Money & Finance, Our Physical & Mental Well-being
Businesses, Stock Markets & the Economy So What’s Your Plan for the Bear Market? (David Booth, Dimensional) “When choosing how much you want invested in stocks, balance the regret you would feel when markets go down with the regret of missing out when things turn around.” Why trying to maximize annual returns is counterproductive. (collaborativefund.com) “It’s counterintuitive, but you will likely maximize investment gains over your lifetime if you go out of your way...