Retirement Seen Through Your Eyes

What do you absolutely need to accomplish? If you could only get four or five things done in retirement, what would they be?
Read MoreWhat do you absolutely need to accomplish? If you could only get four or five things done in retirement, what would they be?
Read MoreIn a recent survey, 70% of current workers stated they plan to work for pay after retiring.
Read MoreSome of the biggest challenges many face when it comes to education are financial. Luckily, a 529 college saving plan can help. And they're not just for college anymore!
Read MoreThere are lots of positives to adulthood. You make your own money, you make your own rules, and you make your own decisions. But with that freedom comes responsibility too, and some are harder than others. Particularly difficult is the...
Read MoreIf you’re like most people, you don’t spend much time worrying about whether you’ll become a victim of financial fraud. Unfortunately, this overconfidence can leave you vulnerable. While financial fraud is a...
Read MoreMany people believe investing and saving are the same thing, but they’re definitely not. Though they are often used interchangeably, it’s essential to understand their unique differences and how properly understanding these...
Read MoreStocks added to their early 2023 gains amid a busy stream of mixed corporate earnings results and conflicting economic data.The Dow Jones Industrial Average gained 1.81%, while the Standard & Poor’s 500 added 2.47%. The Nasdaq...
Read MoreWe strive to keep you regularly updated with important market changes and news.Please find this week’s Market View Weekly from Phil Blancato, Advisor Group’s Chief Market Strategist attached below. This commentary provides...
Read MoreWhat if we told you that the most valuable legacy you can pass on to your kids and grandkids isn’t an object or money, but education about effectively managing money? Teaching valuable money skills while kids are young puts them...
Read MoreWhen you list the people who will benefit from your lifetime of hard work (your beneficiaries), is that group of names the same this year as last? Life can change in the blink of an eye, and it’s important that you have a record...
Read MoreWith the surge of online services and the increase in smartphone and tablet usage, password security is critical. The use of passwords remains the primary authentication protocol for online accounts, so keeping passwords secure is...
Read MoreOver the years, the Fed has followed a similar pattern with interest rates. It raises interest rates, then pauses, so it can see how the economy is adjusting to the higher rates. The chart below shows the Fed’s pattern with...
Read MoreThe Internal Revenue Service has released new limits for the coming year. After months of high inflation and financial uncertainty, some of these cost-of-living-based adjustments have reached near-record levels.Individual Retirement...
Read MoreInvesting in the stock market can sometimes feel like riding a rollercoaster, full of ups and downs. There’s the thrill and excitement when the market goes up, but also uncertainty and fear when it goes down. It’s important...
Read MoreIf you are anticipating an annual bonus this year, it’s wise to come up with a thoughtful plan for the extra cash before it comes so you can get the most benefit from it. If you need more time to consider your options, deposit...
Read MoreThe real rate of return is an important personal finance concept to understand.
Read MoreWe measure the jobs market in many ways, but the Job Opening and Labor Turnover Survey or JOLTS report seems to be of particular interest to Fed Chair Jerome Powell.The JOLTS report tells the Fed how many job openings there are each...
Read MoreCapital gains result when an individual sells an investment for an amount greater than their purchase price. Capital gains are categorized as short-term gains (a gain realized on an asset held one year or less) or as long-term gains (a gain
Read MoreNovember 8, 2022, by Paul EitelmanU.S. midterms update—and potential market implicationsPolls have officially closed in all states, but it will take some time for the final results to be tabulated. As of 9 p.m. Pacific time on...
Read MoreOne type of giving is philanthropic giving, which addresses the root cause of social issues and requires a more strategic, long-term approach
Read MoreFor those who inherit IRAs after this date, the SECURE Act requires you to withdraw the inherited funds within ten years or less and eliminates the ability to "stretch" your distributions over your lifetime.
Read MoreThe White House recently forgave up to $10,000 to student loan borrowers as part of a larger debt forgiveness program. There are still quite a few questions to be answered, but here are some key points to know.
Read MoreIf you ask some pre-retirees this question, "outliving my money" may be one of the top answers. In fact, 42% of workers say they fear outliving their savings and investments.1
Read MoreScammers are pretty crafty these days. With sophisticated software to help make themselves sound convincing (“You’ve won money!” “You owe the IRS!” “You’re getting a refund!”), it’s harder than ever to tell fake communications from real one
Read MoreYou’re young, have little in savings, and might not have anyone relying on you, financially. So, why do you need to think about estate management?1
Read More"If the current annual inflation rate is 7.9 percent, why do my bills seem like they're 10 percent higher than last year?"1
Read MoreWhen you marry or simply share a household with someone, your life changes—and your approach to managing your money may change as well. The good news is it’s usually not so difficult
Read MoreWhen it comes to investing, many people believe they have a “knack” for choosing good investments.
Read MoreKnowing when it’s the right time to retire can be difficult, especially if you love your job. Even professional athletes have a hard time knowing when to walk away!
Read MoreThanks to healthier lifestyles and advances in modern medicine, the worldwide population over age 65 is growing. In the past decade, the population of Americans aged 65 and older has grown 36% and is expected to reach 94.7 million in 2060.
Read MoreIf you have teenagers, you’re likely very in touch with the adage, “One day you’re changing diapers, and the next you’re sending them off to college.” One of the results of that compressed passage of time...
Read MoreIt’s important to remember that asset allocation is an approach to help manage investment risk. Asset allocation does not guarantee against investment loss.
Read MoreDuring our working years, many of us have access to an employer-sponsored health insurance plan either through our own job or our spouse’s job. But when it comes to retirement, we typically rely on Medicare and Medicare...
Read MoreAs summer comes to an end and the excitement of a new school year begins, most parents dread the price tag associated with back-to-school shopping. And we don’t blame them! The amount of necessary supplies has climbed to new...
Read MorePreparing for retirement just got a little more financial wiggle room. This week, the Internal Revenue Service (IRS) announced new contribution limits for 2022.Staying put for 2022 are traditional Individual Retirement Accounts (IRAs),...
Read MoreLately, the "Great Resignation" has led many Americans to leave their jobs for other opportunities, while others have chosen a different path: early retirement. We can all understand looking for a more suitable place of work, but some...
Read MoreKeep in mind that diversification is an approach to help manage investment risk. It does not eliminate the risk of loss if an investment sees a decline in price.
Read MoreOne of the most basic tenets of sound investing involves the simple habit of “paying yourself first” – in other words, making your first payment of each month a deposit into your savings account.
Read MoreIt doesn’t take a degree in finance to see the cost of college continues to rise.
Read MoreAll financial advisors and planners are not fiduciaries. When establishing an advisory relationship, it’s important to know where the advisor’s loyalty lies.
Read MoreKnowledge is power, and we’re committed to equipping you with the tools and information you need to weather this storm.
Read MoreIdentity theft is one of the fastest-growing crimes today, and scammers are getting more sophisticated. It’s not unusual for a victim to be completely unaware of the problem until they try to use their credit and discover...
Read MoreWatch Cathy’s most recent video and hear five points of optimism as it pertains to the stock market and economy.
Read MoreWebster defines the word retirement as “To Fade Away “. That may have been true a few decades ago, but with today’s longevity and healthy active seniors, I propose that we consider a different objective-the goal being achieving Financial In
Read MoreYou may have heard the saying, “inflation hurts savers and benefits borrowers.”
Read MoreStocks posted losses in a holiday-shortened trading week as the first-quarter earnings season kicked off and investors digested new inflation data.
Read MoreYou probably know people who are still feeling the impact of financial decisions made years ago. While no one can change history, we can try to educate the young people in our lives, so they don’t make the same mistakes.
Read MoreStocks spent last week digesting the sharp gains of previous weeks as investors assessed a tightening yield curve, the war in Ukraine, and an uncertain outlook for economic growth and inflation.
Read MoreTax-deferred investing allows you to defer paying taxes on investment returns until retirement – when your income tax rate may be lower – while jumpstarting your overall performance today by keeping the principal amount intact so it grows.
Read MoreWhen you entrust our firm with your financial future, you also entrust us with your personal information. That’s an awesome responsibility – one that we take very seriously. Combating these threats requires thoughtful, informed action.
Read MoreWith the Fed embarking on a new course of monetary tightening amid continued fighting in Ukraine, stocks staged a powerful, broad-based rally last week.
Read MoreAs an entrepreneur, you may have spent years learning your craft, developing your abilities and growing your business. One of the most common areas of confusion for business owners is retirement plans: should you offer one or not?
Read MoreThe time is here again! Twice a year, we adjust our clocks and disrupt sleeping patterns, work schedules, and the balance of our day. Here are some tips to make the transition as smooth as possible for you!
Read MoreWe are excited to share that Wagner Advisory Group was recently featured in Advisors magazine as a multi-generational advisory practice.
Read MoreFewer things are more reliable than tax day, even if the deadline has shifted around a bit in recent years. This year, it’s April 18th for most taxpayers, and recent legislation changes include substantial increases to standard...
Read MoreDon’t let short-term market fluctuations derail your portfolio. Protect your wealth with these six steps.
Read MoreThe new year is an opportunity for new beginnings – including setting new goals! Whether big or small, setting resolutions can help create a path to greater happiness and freedom. Here’s the thing – setting and...
Read MorePreparing for retirement just got a little more financial wiggle room. This week, the Internal Revenue Service (IRS) announced new contribution limits for 2022.Staying put for 2022 are traditional Individual Retirement Accounts (IRAs)...
Read MoreGo out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn't it? But that's what...
Read MoreWhether you’re fully or partly retired, you may find that your assets are sufficient to cover your lifestyle for the remainder of your retirement. In that case, you may not feel like you need to use any additional money from...
Read MoreEstate planning can be one of the most misunderstood aspects of financial planning, however, it’s a vital part to ensure your assets and family are protected. Unfortunately, common myths convince many they don’t need to...
Read MoreInsurance: we all hope to not need it, but wouldn’t want to be without it when we do. Car insurance, health insurance, life insurance, home insurance… you and your spouse probably have most – if not all –...
Read MoreIn this quarterly issue, I cover the following topics: 1. 401(k) Plan Participation Trends 2. Four Reasons to Review Your Life Insurance Needs 3. Tips for Managing an Inheritance 4. Signs of a Scam and How to Resist It Click the...
Read MoreHealthcare can be one of the priciest yet essential parts of life’s journey. And yet, many struggle to utilize the financial tools that may help. Take Health Saving Accounts (HSAs), for example.In 2019, 55% of those with HSAs...
Read MoreWatch the replay of our virtual client event: Retire on Purpose! Be sure to download the workbook below before starting the presentation. Retire on Purpose Workbook
Read MoreIt’s time to put your skills to work to increase your take-home pay. Not insignificantly, your job is also your access point to insurance benefits and retirement savings options, too. Here are a few important workplace tips to...
Read MoreLife happens. You need surgery… your transmission goes…you lose your job. Enduring those hardships is bad enough, but having them derail your financial future adds insult to injury. Luckily, that’s a situation that...
Read MoreRetirement: Proceed With Caution Before Relying on General Rules When investing for retirement, you're likely to hear a lot of well-meaning guidance from family, friends, and others offering advice — even the media. As you weigh...
Read MoreWhen it comes to investing, time is one of your greatest allies. Why? When time joins forces with compound interest, your account value grows dramatically. Think of compounding as getting a return on your return. Here’s an...
Read MoreAccording to the Social Security Administration, a 20-year-old has a 25% chance of becoming disabled before reaching retirement age.1 Loss of income for such a duration has the potential to cause significant financial hardship. And...
Read MoreInflation readings over the last month have shown signs of moderating, however, these increases arestill well above normal cycle numbers. Please click the link below to read more! Read Market View Weekly
Read MoreIf you are anticipating an annual bonus this year, it’s wise to come up with a thoughtful plan for the extra cash before it comes so you can get the most benefit from it. If you need more time to consider your options, deposit...
Read MoreAccording to the Federal Trade Commission, Imposter Scams are on the rise in the United States. This is when a scammer contacts you and pretends to be someone you trust to convince you to provide personal information. Some of the most...
Read MoreThe Job Openings and Labor Turnover Survey (JOLTS) showed an increase to 10.93 million available jobs,above economists’ estimate of 10 million. Click the link below to read more! Read Market View Weekly
Read MoreThe pandemic has showcased how much we rely on the internet, which makes it possible to virtually work from home, shop, attend religious service and stay connected with family and friends. Unfortunately, those conveniences come with...
Read MoreWe strive to keep you regularly updated with important market changes and news.Please find this week’s Market View Weekly from Phil Blancato, Advisor Group’s Chief Market Strategist attached below. This commentary provides...
Read MoreSeptember is Life Insurance Awareness Month, making it a good time to review things you may not know about life insurance, such as: Policies differ widely. Term life insurance pays out a death benefit if you die within the specified...
Read MoreWe strive to keep you regularly updated with important market changes and news.Please find this week’s Market View Weekly from Phil Blancato, Advisor Group’s Chief Market Strategist attached below. This commentary provides...
Read MoreThe growth of exchange-traded funds (ETFs) has been explosive. In 2002, there were only 102; by 2020, there were over 7,000 investing in a wide range of stocks, bonds, and other securities and instruments.1 At first glance, ETFs have a...
Read MoreWe strive to keep you regularly updated with important market changes and news.Please find this week’s Market View Weekly from Phil Blancato, Advisor Group’s Chief Market Strategist attached below. This commentary provides...
Read MoreLooking to save for college? Take a number – the number 529, to be exact. College Savings Accounts, or 529s as they’re nicknamed (after the IRS tax code), have become all the rage in recent years. So, what are they? And...
Read MoreWe strive to keep you regularly updated with important market changes and news.Please find this week’s Market View Weekly from Phil Blancato, Advisor Group’s Chief Market Strategist attached below. This commentary provides...
Read MoreThe news keeps getting better for Social Security recipients.It's now projected that benefits will increase 6.1% in 2022, up from the 4.7% forecast just two months ago. That would be the most significant increase since 1983.1...
Read MoreIn this quarterly issue, I cover the following topics: 1. Can You Fund Your Retirement? 2. Tips for Managing an Inheritance 3. Don't Let Debt Derail Your Retirement 4. Is It Time to Cut Cable? Click the attachment below to read the...
Read MoreMake sure you understand how it applies to your loans For More Detailed Information on the Federal Student Loan Pause, visit: studentaid.gov/announcements-events/coronavirus Federal Student Loan Pause Payment pause & interest waiver...
Read MoreWe strive to keep you regularly updated with important market changes and news.Please find this week’s Market View Weekly from Phil Blancato, Advisor Group’s Chief Market Strategist attached below. This commentary provides...
Read MoreFor some households, student loan debt is their biggest monthly expense (after their mortgage). Chances are, these are people who borrowed $100,000 or more to earn an advanced degree, usually in law or medicine. If you or someone you...
Read MoreInflation sometimes seems like one of those afflictions of an era long since passed into the history books. While it’s true that double-digit inflation has been absent for the last 30 years or more, you may remember the high...
Read MoreWe strive to keep you regularly updated with important market changes and news.Please find this week’s Market View Weekly from Phil Blancato, Advisor Group’s Chief Market Strategist attached below. This commentary provides...
Read MoreWe strive to keep you regularly updated with important market changes and news.Please find this week’s Market View Weekly from Phil Blancato, Advisor Group’s Chief Market Strategist attached below. This commentary provides...
Read MoreWe strive to keep you regularly updated with important market changes and news.Please find this week’s Market View Weekly from Phil Blancato, Advisor Group’s Chief Market Strategist below. This commentary provides updates...
Read MoreSaving for Retirement and a Child's Education at the Same Time You want to retire comfortably when the time comes. You also want to help your child go to college. So how do you juggle the two? The truth is, saving for your retirement...
Read MoreWe strive to keep you regularly updated with important market changes and news.Please find this week’s Market View Weekly from Phil Blancato, Advisor Group’s Chief Market Strategist below. This commentary provides updates...
Read MoreWe strive to keep you regularly updated with important market changes and news.Please find this week’s Market View Weekly from Phil Blancato, Advisor Group’s Chief Market Strategist below. This commentary provides updates...
Read MoreWe strive to keep you regularly updated with important market changes and news!Please find this week’s Market View Weekly from Phil Blancato, Advisor Group’s Chief Market Strategist below. This commentary provides updates...
Read MoreBenefits of a will: Distributes property according to your wishes Names an executor to settle your estate Names a guardian for minor children Other benefits of a living trust: Gives someone the power to manage your property if you...
Read MoreIn this quarterly issue, I cover the following topics: 1. IRAs Are Top Tool for Retirement Savings 2. Should You Convert Your Term Life to Permanent Life Insurance? 3. Growing Interest in Socially Responsible Investing 4. New Changes...
Read MoreOn Thursday, March 11, 2021, the American Rescue Plan Act of 2021 (ARPA 2021) was signed into law. This is a $1.9 trillion emergency relief package that includes payments to individuals and funding for federal programs, vaccines and...
Read MoreLast year was unpredictable, and your financial situation may have been far from normal. Pandemic Relief Measures and Your Tax Return Two emergency relief bills passed in 2020 in response to the COVID-19 pandemic will make this an...
Read MoreIn this quarterly issue, I cover the following topics: 1. Baby Boomers Buying More Online 2. Seeking Sun or Savings? Explore a Retirement Move 3. Return of Premium Life Insurance: Protection and Cash Back 4. Should You Pay Off Student...
Read MoreWagner Advisory Group Cathy Wagner, CFP® 2662 West Lake Road, Palm Harbor, FL 34684 727-789-3691 cwagner@fscadvisor.com www.wagneradvisorygroup.com December 16, 2020 You shouldn't feel you have to accept mediocrity in order to support...
Read MoreWhen it comes to planning for your retirement income, it's easy to overlook some of the common factors that can affect how much you'll have available to spend. If you don't consider how your retirement income can be impacted by...
Read More1This hypothetical example of mathematical principles does not represent any specific investment and should not be considered financial advice. Investment returns will fluctuate and cannot be guaranteed. 2All investing involves risk,...
Read MoreIn this quarterly issue, I cover the following topics: 1. Working in Retirement 2. Surge in COVID-19 Scams 3. Incapacity and Advance Medical Directives 4. Accumulating Funds for Short-Term Goals Click the attachment below to read the...
Read MoreWagner Advisory Group Cathy Wagner, CFP®2662 West Lake RoadPalm Harbor, FL 34684727-789-3691cwagner@fscadvisor.comwww.wagneradvisorygroup.com October 06, 2020 In some cases, you have no choice — you need to use the funds. If...
Read MoreInvesting during an election year can be tough on the nerves, and 2020 promises to be no different. Politics can bring out strong emotions and biases, but investors would be wise to put these aside when making investment decisions. Rob...
Read MoreDid you miss our September Virtual Educational Event? We have uploaded the recording along with the workbook for you to attend at your convenience! Let us know if you have any questions about the presentation. Retire on Purpose...
Read MoreWagner Advisory Group Cathy Wagner, CFP®2662 West Lake RoadPalm Harbor, FL 34684727-789-3691cwagner@fscadvisor.comwww.wagneradvisorygroup.com September 01, 2020 Most HSAs allow you to contribute through automatic transfers from a...
Read MoreThe ongoing COVID-19 pandemic has kept countless people working from home for months now. Many have been wondering whether they should consider claiming the home office deduction on taxes next year so we thought we’d pass along...
Read MoreIn this quarterly issue, I cover the following topics: 1. Do You Have a Will? 2. Portfolio Performance: Choose Your Benchmarks Wisely 3. Four Things to Consider Before Refinancing Your Home 4. Going Mobile Click the attachment below to...
Read MoreFinancial advisors who have long relied on regular client communications to drive their businesses are stepping up their game to proactively reach out to customers during these uncertain times. Largely unable to meet with consumers...
Read MoreAre you still keeping physical files for all your important financial information? Now more than ever, we’re finding that holding on to paper containing account details creates an opportunity for information theft, which can...
Read MoreI’m writing today to let you know about new federal laws (known as Regulation Best Interest, or Reg BI for short) aimed at protecting investors. While many financial professionals are already acting in the best interest of their...
Read MoreWhat are some of your favorite spring cleaning rituals? With so much time at home because of the global coronavirus pandemic, houses may be cleaner than ever this year. But don’t stop at sweeping up the house! Cleaning up...
Read MoreHow many hours have you spent at home sheltering in place because of the global coronavirus pandemic? It’s not very exciting to sit around inside, but all this social distancing does open up a convenient opportunity to review...
Read MoreSince the global pandemic has given many of us more free time on our hands than usual, you might want to use this time at home to review your insurance policies, like life and homeowners’ coverage. These types of products are...
Read MoreWe’re continuing to monitor the markets as well as the impact the novel coronavirus COVID-19 is having on them around the world. In the meantime, we’re doing everything we can to provide useful, accurate information to our...
Read MoreWe hope this email finds you well. Today, Cathy discusses in her video Leaving A Lasting Legacy! Please see the below YouTube link to view. Click Link To Watch Video As always, if you have any questions or concerns. Please feel free to...
Read MoreWe hope this email finds you well. Today, Cathy discusses in her video News You Can Use! All links mentioned in the video are listed below as well. Please see the below YouTube link to view. Click Link To Watch Video Links Mentioned:...
Read MoreToday, Cathy discusses in her video A Way Forward! What steps will you take today towards a healthier lifestyle, finances, and relationships? Please see the below YouTube link to view. Click Link to Watch Video 10% Happier Meditation...
Read MoreToday, Cathy wanted to discuss with you The (New) Normal we find ourselves living in today! Please see the below YouTube link to view. Click Link to Watch Video As always, if you have any questions or concerns. Please feel free to...
Read MoreWe hope this email finds you well. Today, Cathy wanted to discuss with you Retirement Plan Curveballs! Please see the below YouTube link to view. Click Link to Watch Video As always, if you have any questions or concerns. Please feel...
Read MoreThe U.S. Federal Reserve (Fed) announced a major series of programs on April 9, timed to coincide with the release of weekly new unemployment claims reaching a record 6.6 million. This new series of programs expanded some existing...
Read MoreHope you’re well and staying healthy! As you know, we have gone through many changes lately due to the impact of the COVID-19 coronavirus and federal lawmakers’ response to it via the CARES Act. One of those changes is...
Read MoreCathy wanted to take a moment to send a special video message from her home office. Please see the below YouTube link to view. Click Link to Watch Vision & Circumstance Video As always, if you have any questions or concerns. Please...
Read MoreScammers are taking advantage of fears surrounding the Coronavirus. Avoid Coronavirus Scams Don’t respond to texts, emails or calls about checks from the government. The details are still coming together. Ignore online offers for...
Read MoreGrants The SBA does not initiate contact on either 7a or Disaster loans or grants. If you are proactively contacted by someone claiming to be from the SBA, suspect fraud. Loans If you are contacted by someone promising to get approval...
Read MoreYou’ve probably heard the news by now – the government is sending out relief checks as part of the federal response to the Coronavirus. Scammers heard the same thing, and they’re hoping to cash in on yours. The...
Read MoreThe Coronavirus Aid, Relief, and Economic Security (CARES) Act allocated $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the Paycheck Protection Program, the initiative...
Read MoreNew legislation (The CARES Act) has suspended Required Minimum Distributions for 2020. You indeed can take money from your retirement accounts in 2020, but you are not required to make a distribution this year. It is important that you...
Read MoreWe hope this email finds you well. Cathy wanted to take a moment to send a special video message to each of you on Wealth Care. Please see the below YouTube link to view. Click Link to View Video Message on Wealth Care Links Mentioned...
Read MoreFirst and foremost, hope this email finds you and your family safe and healthy. Next, as you probably know, Congress just passed the largest stimulus package in American history, the Coronavirus Aid, Relief, and Economic Security Act...
Read MoreFirst and foremost, hope this email finds you and your family safe and healthy. As you probably know, Congress passed the largest stimulus package in American history, the Coronavirus Aid, Relief, and Economic Security Act (CARES)....
Read MoreWagner Advisory Group and Putnam Investments is proud to partner with On Target Living to offer a series of wellness webinars. We invite you to join us for one or more of these 45-minute sessions. In times of stress, it is critical to...
Read MoreOn March 27, 2020 President Trump signed this relief package aiming to boost the economy with over $2 trillion in relief. With much funding going towards hospitals, testing, and transportation, individuals and businesses will feel the...
Read MoreThe Small Business Administration offers Economic Injury Disaster Loans to help small businesses meet working capital needs caused by a natural disaster. The loans may be used to pay fixed debts, payroll, accounts payable, and other...
Read MoreAt times, our nation can appear sharply divided; divided by generations, by left and right, by our differences, and even by the donkey and the elephant. Sometimes, circumstances arise that compel us to either rise as one or be...
Read MoreWe’re all dealing with ongoing uncertainty due to the global impact of the COVID-19 Coronavirus. Whether you’re concerned about your health, your employment, your loved ones, your retirement, or all of the above, it can be...
Read MoreThe Cares Act was passed to provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic. Cathy has recorded a special video message on how this stimulus bill...
Read MoreWant to learn more about the coronavirus and how our healthcare systems are preparing? Here's a set of podcasts from Johns Hopkins you can listen to, learn more, and be prepared. Visit: https://www.jhsph.edu/podcasts/public-health-on-call/
Read MoreThe stock market has its ups and its downs – it’s a lot like life that way. Another similarity? How you navigate the speed bumps you encounter along the way determines how successful your journey will be. During a round of...
Read MoreThe whole world has been impacted at this point by the novel coronavirus COVID-19, and we’re doing everything we can to provide useful, accurate information to our clients to help allay fears amidst the uncertainty. While...
Read MoreThe stock market isn’t known for its emotional stability. When the markets react emotionally, it’s imperative to think rationally. Although no one can predict the future, panicked selling during a downturn is often the...
Read MoreExecutive Summary · We are likely entering a severe, but perhaps short-lived recession. · The length of the recession depends largely on fiscal stimulus and containing the COVID-19 outbreak. Federal and state governments...
Read MoreA message from Cathy A Wagner CFP during the COVID-19 pandemic.
Read MoreRecently, we’ve experienced an unprecedented level of market volatility, and many investors are unsure about what’s happening and how to get through it. That’s exactly why you have financial professionals in your...
Read MoreThe market continues to move based on global reaction to the COVID-19 coronavirus, as well as a cut in interest rates from the Federal Reserve. If you’re interested in more information regarding these movements and what they mean...
Read MoreIRA contribution limits The maximum amount you can contribute to a traditional IRA or a Roth IRA in 2020 is $6,000 (or 100% of your earned income, if less), unchanged from 2019. The maximum catch-up contribution for those age 50 or...
Read MoreAt Wagner Advisory Group, the health and safety of our clients and staff is of vital importance. Our team and the FSC Securities Corporation home office is closely monitoring the Centers for Disease Control and Prevention and the World...
Read MoreHello, I just wanted to touch base with all of our clients due to the current challenges regarding the COVID-19 virus and the impact on the economy and your portfolio. We have worked diligently to create a long-term investment strategy...
Read MoreIn this quarterly issue, I cover the following topics: 1. Tips for Targeting Your Retirement Savings Goal 2. The SECURE Act Offers New Opportunities for Individuals and Businesses 3. Closing Gaps in Your Insurance Coverage 4. How can I...
Read MoreTaxes can take a big bite out of your total investment returns, so it's encouraging to know that your employer-sponsored retirement savings plan may offer a variety of tax benefits. Depending on the type of plan your employer offers,...
Read MoreInvesting for your retirement isn't about getting rich quick. More often, it's about having a game plan that you can live with over a long time. You wouldn't expect to be able to play the piano without learning the basics and...
Read MoreIf you're a decade or so away from retirement, you've probably spent at least some time thinking about this major life change. How will you manage the transition? Will you travel, take up a new sport or hobby, or spend more time with...
Read MoreAll About Credit Scores It's difficult to imagine functioning in today's world without credit. Whether buying a car or purchasing a home, credit has become an integral part of our everyday lives. Having easy access to credit goes hand...
Read MoreIn this quarterly issue, I cover the following topics: 1. Three Regrets of Retirees 2. Ten Year-End Tax Tips for 2019 3. Tips for Managing Your Holiday Spending 4. What are continuing care retirement communities? 5. Do independent...
Read MoreAs a retirement savings plan participant, you know that setting an accumulation goal is an important part of your overall strategy. In fact, over decades of conducting its annual Retirement Confidence Survey, the Employee Benefit...
Read MoreMassive computer hacks and data breaches are now common occurrences — an unfortunate consequence of living in a digital world. Once identity thieves have your information, they can use it to gain access to your bank and credit...
Read MoreIn this quarterly issue, I cover the following topics: 1. Ten Money-Saving Travel Tips 2. Why Not Do It Now? New Research on Procrastination 3. Should You Invest Internationally? 4. What's the real return on your investments? 5. What...
Read MoreYou've worked long and hard for years, saving diligently through your employer-sponsored retirement savings plan. Now, with retirement on the horizon, it's time to begin thinking about how to tap your plan assets for income. But hold...
Read MoreAs you progress along your career path, there's no telling how far you'll go. But to fully reap the financial rewards of all your hard work, you'll need to take charge of your own career. Here are a few issues you'll want to pay close...
Read MoreIn this quarterly issue, I cover the following topics: 1. Investing in Yourself for a Change 2. Quiz: How Much Have You Thought About Health and Health-Care Costs in Retirement? 3. Know Your Mutual Funds 4. DO I need to get a REAL ID...
Read MoreMaking decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments. However, the following basic rules can help you make smarter choices regardless of whether you...
Read MoreIn the final quarter of 2018, interest rate and growth fears, along with geopolitical events, sparked volatility in the financial markets and reversed many of the outsize stock gains notched earlier in the year. The S&P 500 posted a...
Read MoreIn this quarterly issue, I cover the following topics: 1. Famous people who failed to plan properly 2. Know your Mutual Funds 3. Alzheimer's disease myths and facts quiz 4. How can I tell if a crowdsourcing campaign is a scam? 5. How...
Read MoreIt wasn't so long ago that many investors regarded dividends as roughly the financial equivalent of a record turntable at a gathering of MP3 users — a throwback to an earlier era, irrelevant to the real action. But fast-forward...
Read MoreIf your employer-sponsored 401(k) or 403(b) plan offers pre-tax, Roth, and/or non-Roth after-tax contributions, which should you choose? How do you know which one might be appropriate for your needs? Start by understanding the...
Read MoreIn this quarterly issue, I cover the following topics: 1. What to do if your term life insurance policy is about to expire 2. Working in retirement 3. Take charge of your student debt repayment plan 4. Should I enroll in a health...
Read MoreInvesting with an eye toward promoting social, political, or environmental concerns (or at least not supporting activities you feel are harmful) doesn't mean you have to forgo pursuing a return on your money. Socially responsible...
Read MoreHow much life insurance do you need? Your life insurance needs will depend on a number of factors, including the size of your family, the nature of your financial obligations, your career stage, and your goals. For example, when you're...
Read MoreAfter years of development, numerous robo advisors have entered the world of investment management. Still, many investors may not fully understand exactly what robos do, or how they do it. A robo advisor is a digital platform that uses...
Read MoreIn this quarterly issue, I cover the following topics: 1. Mid Year Tax Planning: Tax Changes to Factor In 2. Going Public: An IPO's Market Debut May Not Live Up to the Hype 3. Protect Your Heirs by Naming a Trust as IRA Beneficiary 4....
Read MoreThroughout your career, retirement planning will likely be one of the most important components of your overall financial plan. Whether you have just graduated and taken your first job, are starting a family, are enjoying your peak...
Read MoreOwning a home outright is a dream that many Americans share. Having a mortgage can be a huge burden, and paying it off may be the first item on your financial to-do list. But competing with the desire to own your home free and clear...
Read MoreIn this quarterly issue, I cover the following topics: 1. What's your money script? 2. Weathering the storm: Are you prepared? 3. Four tips for downsizing in retirement. 4. Will a government pension reduce my Social Security benefits?...
Read MoreAn individual retirement arrangement (IRA) is a personal retirement savings plan that offers specific tax benefits. In fact, IRAs are one of the most powerful retirement savings tools available to you. Even if you're contributing to a...
Read MoreWhen it comes to estate planning, women have unique concerns. The fact is that women live an average of 5.0 years longer than men.* That's important because it means that there's a greater chance that you'll need your assets to last...
Read MoreLife insurance has many uses, including income replacement, business continuation, and estate preservation. Long-term care insurance provides financial protection against the potentially high cost of long-term care. If you find...
Read MoreOn December 22, 2017, President Trump signed into law the Tax Cuts and Jobs Act, a sweeping $1.5 trillion tax-cut package that fundamentally changes the individual and business tax landscape. While many of the provisions in the new...
Read MoreIn this quarterly issue, I touch on the following topics: 1. How much risk can you take? 2. Key retirement & tax numbers for 2018 3.Don't Delay: The potential benefits of starting to save now! 4. What can I do to crack down on...
Read MoreSection 529 college savings plans are tax-advantaged college savings vehicles and one of the most popular ways to save for college today. Much like the way 401(k) plans changed the world of retirement savings a few decades ago, 529...
Read MoreWhen investing, particularly for long-term goals, there are two concepts you will likely hear about over and over again — diversification and asset allocation. Diversification helps limit exposure to loss in any one investment...
Read MoreAre you suddenly on your own or forced to assume greater responsibility for your financial future? Unsure about whether you're on the right track with your savings and investments? Finding yourself with new responsibilities, such as...
Read MoreThe baby boomers have re-defined everything they've touched, from music to marriage to parenting and, more lately, to what "old" means—60 is the new 50! Longer, healthier living, however, can put greater stress on the...
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