Blog

A Bucket Plan to Go with Your Bucket List

Longer, healthier living can put greater stress on retirement assets; the bucket approach may be one answer.

The Cost Of Procrastination

Don't let procrastination keep you from pursuing your financial dreams and goals.

What's So Great About a Rollover?

Changing jobs can be a tumultuous experience. Even under the best of circumstances, making a career move requires a series of tough decisions, not the least of which is what to do with the funds in your employer-sponsored retirement plan.

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?

How Will Working Affect Social Security Benefits?

In a recent survey, 70% of current workers stated they plan to work for pay after retiring.

What Can You Buy With 529 Distributions?

Some 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!

Resources to Help with Aging Parents

There 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...

Ways to Prevent Elder Financial Fraud

If 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...

Saving vs investing: Two Very Different Things!

Many 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...

Weekly Market Insights: Earnings and Data Tell Two Different Stories on Near Future.

Stocks 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...

1/13 Market View Weekly

We 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...

Teaching Your Kids About Money

What 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...

Check Your IRA Beneficiaries

When 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...

Are Your Passwords Strong Enough?

With 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...

Is the Fed Ready to Pause?

Over 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...

New Retirement Contribution Limits for 2023

The 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...

Does Emotional Investing Affect Your Results?

Investing 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...

Smart Things to Do with a Bonus

If 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...

Inflation and the Real Rate of Return

The real rate of return is an important personal finance concept to understand.

JOLTS of Optimism for the Markets?

We 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...

A Taxing Story: Capital Gains and Losses

Capital 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

U.S. Midterms Update—and Potential Market Implications

November 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...

6 Tips for Philanthropic Giving

One type of giving is philanthropic giving, which addresses the root cause of social issues and requires a more strategic, long-term approach

The SECURE Act Starts the Clock on Inherited IRAs

For 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.

Important Details on Student Loan Relief

The 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.

Managing the Risk of Outliving Your Money

If 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

How to Avoid Phone Scams

Scammers 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

Four Reasons Millennials Need an Estate Strategy

You’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

Inflation & Your Money

"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

Managing Money as a Couple

When 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

Emotional vs. Strategic Decisions

When it comes to investing, many people believe they have a “knack” for choosing good investments.

"Unretiring" To Stay in the Game

Knowing 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!

Caring for Aging Parents

Thanks 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.

5 Types of Insurance Your College Student May Need

If 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...

Your Shifting Risk Tolerance

It’s important to remember that asset allocation is an approach to help manage investment risk. Asset allocation does not guarantee against investment loss.

Long-term Care Could Save Your Nest Egg

During 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...

4 Ideas for Back-to-School Savings (C) (P)

As 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...

2022 Contribution Limits

Preparing 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),...

Breaking Down the Great Resignation

Lately, 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...

Diversification , Patience and Consistency

Keep 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.

Pay Yourself First

One 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.

Estimating the Cost of College

It doesn’t take a degree in finance to see the cost of college continues to rise.

The Fiduciary Standard: What Is It And Why Does It Matter?

All financial advisors and planners are not fiduciaries. When establishing an advisory relationship, it’s important to know where the advisor’s loyalty lies.

Stay the Course

Knowledge is power, and we’re committed to equipping you with the tools and information you need to weather this storm.

Identity Theft Protection

 Identity 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...

Five Points of Optimism

Watch Cathy’s most recent video and hear five points of optimism as it pertains to the stock market and economy.

Change the Conversation: Financial Independence is the Goal

Webster 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

Inflation Math for Today’s Retiree

You may have heard the saying, “inflation hurts savers and benefits borrowers.” 

Weekly Market Insights: Earnings Season Begins

Stocks posted losses in a holiday-shortened trading week as the first-quarter earnings season kicked off and investors digested new inflation data.

5 Financial Tips for Young People

You 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.

Weekly Market Insights: Markets Weigh Menu of Uncertainty

Stocks 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.

Why Let Taxes Eat Away at Your Investment Returns?

Tax-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.

Cyber Security at the Forefront of Our Business

When 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.

Weekly Market Insights: Stocks Rally in Changing Landscape

With the Fed embarking on a new course of monetary tightening amid continued fighting in Ukraine, stocks staged a powerful, broad-based rally last week.

Should you offer a retirement plan?

As 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?

Daylight Saving – Tips to Spring Forward

The 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!

Financial Planning as a Family Affair

We are excited to share that Wagner Advisory Group was recently featured in Advisors magazine as a multi-generational advisory practice.

Last Minute Tips Before Tax Day!

Fewer 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...

Monthly Market Insights

Life Events that Impact your Financial Plan in a Big Way!

What Should You Do About Inflation and Stock Market Volatility?

Don’t let short-term market fluctuations derail your portfolio. Protect your wealth with these six steps.

Your Homework is Late!

IRA vs. 401(k): How to Choose

3 Ways to Set Goals You’ll Keep

The 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...

2022 Contribution Limits

Preparing 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)...

Investing for Major Financial Goals

Go 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...

QCD Your RMD?

Whether 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...

Estate Planning Myths

Estate 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...

When was the last time you updated your beneficiaries?

Insurance: 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 –...

Quarterly Economic Update

In 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...

The Underutilized Benefits of a Health Savings Account

Healthcare 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...

Retire on Purpose

Watch 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

Step Up Your Work Game

It’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...

Emergency Fund Tips

Life 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...

Retirement: Proceed With Caution Before Relying on General Rules

Retirement: 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...

The Power of Time & Compound Interest

When 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...

Can Group, Private Disability Policies Work Together?

According 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...

Market View Weekly - September 17th

Inflation 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

Smart Things to Do with a Year-End Bonus

If 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...

Imposter Scams on the Rise

According 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...

Market View Weekly - September 10th

The 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

Protect Yourself From Cyber Crime

The 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...

Market View Weekly - September 3rd

We 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...

Life Happens; Be Prepared - Life Insurance

September 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...

Market View Weekly - August 27th

We 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...

Mutual Funds vs ETFs

The 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...

Market View Weekly - August 20th

We 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...

529 Education Savings Accounts

Looking 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...

Market View Weekly - August 13th

We 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...

A 6.1% Bump in Social Security?

The 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...

Quarterly Economic Update

In 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...

Student Loan Pause

Make 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...

Market View Weekly - August 6th

We 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...

3 Ways to Pay Off Student Loan Debt

For 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...

Inflation - Back to the Future

Inflation 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...

Market View Weekly - July 30th

We 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...

Market View Weekly - July 23rd

We 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...

Market View Weekly - July 16th

We 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...

Saving for Retirement and a Child's Education at the Same Time

Saving 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...

Market View Weekly - July 9th

We 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...

Market View Weekly - July 2nd

We 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...

Market View Weekly - June 25th

We 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...

Key Estate Planning Documents You Need

Benefits 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...

Quarterly Economic Update

In 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...

American Rescue Plan Act Provides Relief to Individuals and Businesses

On 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...

Pandemic Relief Measures and Your Tax Return

Last 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...

Quarterly Economic Update

In 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...

Socially Responsible Investing

Wagner 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...

Common Factors Affecting Retirement Income

When 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...

Retirement Plan Considerations at Different Stages of Life

1This 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,...

Quarterly Economic Update

In 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...

Changing Jobs? Know Your 401(k) Options

Wagner 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...

3 Mistakes Investors Make During Election Years

Investing 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...

Retire on Purpose Event Recording

Did 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...

Health Savings Accounts: Are They Just What the Doctor Ordered?

Wagner 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...

Can You Deduct Your Work From Home Expenses on Taxes?

The 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...

Quarterly Economic Update

In 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...

Proactive Outreach Strengthens Customer Ties

Financial 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...

Ready to go paperless?

Are 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...

What is Regulation Best Interest?

I’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...

QUARANTINE CLEAN YOUR RECURRING BILLS FOR BETTER DEALS!

What 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...

Disinfecting Finances

How 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...

Are your insurance policies spotless during quarantine?

Since 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...

Weekly Market and Coronavirus Update with Phil Blancato

We’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...

Video: Leaving A Lasting Legacy

We 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...

Video: News You Can Use

We 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:...

Video: A Way Forward

Today, 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...

Video: The (New) Normal

Today, 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...

Video: Retirement Plan Curveballs

We 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...

Federal Reserve Announcement

The 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...

Returning Your RMD

Hope 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...

Video: Vision & Circumstance

Cathy 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...

Coronavirus Scams

Scammers 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...

SBA Alerts Small Business Owners: Beware of Scams, Frauds and Schemes

Grants 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...

Want to get your Coronavirus relief check? Scammers do too.

You’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...

Coronavirus Small Business Guide & Checklist

The 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...

Do you want to suspend your RMD for 2020?

New 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...

Video: Wealth Care: Believe Your Beliefs & Doubt Your Doubts

We 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...

How the Coronavirus stimulus bill affects workers

First 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...

What the CARES Act means for retirees

First 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)....

Wellness Webinars

Wagner 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...

Coronavirus Aid, Relief, and Economic Security (CARES) Act

On 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...

Economic Injury Disaster Loan Assistance

The 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...

Highlights of Cares Act

At 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...

NEW Update from Phil Blancato on the Market and Coronavirus

We’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...

What The Stimulus Bill Means For You

The 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...

John Hopkins Coronavirus Podcast

Want 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/

Market Rebounds Outlast Declines

The 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...

3/17 Replay Market Update Call with Phil Blancato

The 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...

Market Volatility

The 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...

Market Matters: Special Update

Executive 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...

VIDEO: Guiding our Clients Through Turbulent Waters

A message from Cathy A Wagner CFP during the COVID-19 pandemic.

What’s going on with the markets? Our investment experts share perspective

Recently, 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...

Market Matters: COVID-19, Fed Cuts Rates

The 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...

IRA and Retirement Plan Limits for 2020

IRA 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...

COVID-19 & Business Continuity

At 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...

Coronavirus Update

Hello, 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...

Quarterly Economic Update

In 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...

The Tax Benefits of Your Retirement Savings Plan

Taxes 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,...

Staying on Track with Your Retirement Investments

Investing 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...

10 Years and Counting: Points to Consider as You Approach Retirement

If 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...

All About Credit Scores

All 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...

Quarterly Economic Update

In 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...

Don't Let Your Retirement Savings Goal Get You Down

As 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...

How to Protect Yourself Against Identity Theft

Massive 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...

Quarterly Economic Update

In 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...

Six Steps to Consider Before Tapping Your Retirement Savings Plan

You'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...

Women and Work: Why Salary, Benefits, and Work-Life Balance Count

As 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...

Quarterly Economic Update

In 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...

Five Keys to Investing For Retirement

Making 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...

After Rocky Year-End, Risks Follow Investors into New Year

In 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...

Quarterly Economic Update

In 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...

The Power of Dividends in a Portfolio

It 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...

Decisions, Decisions: Choosing Among Retirement Plan Contribution Types

If 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...

Quarterly Economic Update

In 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...

Socially Responsible Investing

Investing 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...

Protecting your loved ones with Life Insurance

How 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...

Robo Advisors Have Arrived, But Life Often Calls for a Human Touch

After 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...

Quarterly Economic Update

In 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....

Retirement Plan Considerations at Different Stages of Life

Throughout 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...

Should you pay off your mortgage or invest?

Owning 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...

Quarterly Economic Update

In 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?...

All About IRAs

An 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...

Women & Estate Planning

When 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...

Life Insurance Riders that Pay for Long-Term Care

Life 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...

Tax Cuts and Jobs Act: Impact on Individuals

On 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...

Quarterly Economic Update

In 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...

529 College Savings Plans

Section 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...

Back to Basics: Diversification and Asset Allocation

When 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...

Getting Help from a Financial Professional

Are 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...

A Bucket Plan to Go With Your Bucket List

The 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...