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Tuesday, November 28, 2023

Are you already planning for the end of the year? Where did the time go? In this edition, we’ll be looking into navigating Medicare for the first time, particularly if you are under the age of 65. Don’t forget Medicare...

 

Tuesday, November 21, 2023

November has arrived. At the start of this month, all eyes were focused on whether the Federal Reserve (Fed) would hike interest rates for a fifth time this year or hold rates steady. The Fed’s decision to leave interest rates...

 

Tuesday, November 7, 2023

You know the old adage, "Nothing in life is certain but death and taxes." Add to that a third certainty: college education costs will continue to outpace inflation. Ouch. There are numerous tax-efficient strategies that could help...

 

Wednesday, October 25, 2023

There’s no denying we live in a world where tragic headlines seem to occur daily. From floods, earthquakes, and devastating wildfires to inflation, political discord, and world hunger, the bad news can be hard to stomach some...

 

Tuesday, October 17, 2023

After a dismal September, worries about the potential for another U.S. government shutdown felt like one more straw on the camel’s back (Congress narrowly averted the shutdown when, on September 30, they approved the...

 

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Tuesday, October 10, 2023

Inflation & Your Money "If the current annual inflation rate is 3 percent, why do my bills seem like they're 10 percent higher than last year?"1 Many of us ask ourselves that question, and it illustrates the importance of understanding...

 

Tuesday, October 3, 2023

Isn’t it the worst when you wake up after you’ve hit the snooze button? Just a few more minutes! If your child is approaching college and you're behind on education savings, it can feel like hitting the snooze button...

 

Tuesday, September 26, 2023

At some point in life, you’ll be in the market to buy something that costs big bucks. No matter the purchase, sometimes the decision can be hard to make. Here are three things you should ask yourself before you spend your...

 

Tuesday, September 5, 2023

yourDespite the hope for a continued market upswing, the positive trends we saw in July did not carry into August, and the Dow, Nasdaq, and S&P all finished down for the month. The Federal Reserve (Fed) didn’t meet in August, so...

 

Tuesday, August 29, 2023

Deciding When to Take Social SecurityOne of the most common questions people ask about Social Security is when they should start taking benefits. Making the right decision for you can have a meaningful impact on your financial income...

 

Tuesday, August 22, 2023

Debt StressThe average American owes $59,580 in debt. Of that $59,580, $41,830 is from mortgage debt, $5,640 is from student loans, and $5,470 is from auto loans. Little wonder that money worries can be a major cause of stress.1The...

 

Tuesday, August 15, 2023

Here’s a riddle. “I’m a two-word phrase that we heard almost every day for two years, but it has dropped from almost all economic talk in 2023?”Answer: Supply chain.As you can see from the accompanying chart,...

 

Tuesday, August 8, 2023

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...

 

Tuesday, July 18, 2023

The secret to financial independence starts and ends with a good budget. I can’t stress this enough. You may or may not be aware of how much your budget will change from your earning years to your active retirement ones. Will...

 

Tuesday, July 11, 2023

We know, at times, that retirement decisions can be confusing, and there is substantial information surrounding the investment vehicles that can be utilized to reach your retirement goals. Therefore, we thought we’d send along...

 

Tuesday, June 27, 2023

Summer’s here, and the time is right for fun in the sun (or shade). Like many of us, you’re probably looking forward to an extended getaway or family trip. But summer also means planning for hot weather, which can come with...

 

Tuesday, June 13, 2023

Caring about the health and welfare of loved ones is a daily occurrence for all of us. But as you may already know, caring for someone with dementia can be challenging and emotionally draining. And what is often overlooked is the...

 

Tuesday, June 6, 2023

I wanted to take a moment to update you on the potential changes to Social Security benefits for 2024. As I'm sure you know, the Social Security Administration calculates annual cost-of-living adjustments (COLA) based on the Consumer...

 

Tuesday, May 30, 2023

As the economy continues to recover from effects of the pandemic, you may have noticed headlines about inflation in the news. But don’t let it scare you! The fact is, some inflation can help drive economic growth indicating the...

 

Tuesday, May 16, 2023

Whether through inertia or trepidation, investors who put off important investment decisions might consider the admonition offered by motivational speaker Brian Tracy, "Almost any decision is better than no decision at all."This...

 

Tuesday, May 9, 2023

Even the most thought-out financial strategy may need to be adjusted for unexpected events, such as changes to your family life or career, or shifts in your family priorities. These are important opportunities for us to connect and...

 

Tuesday, May 2, 2023

With each season of life, new milestones will impact your budget. However, when you enter your 30s and 40s, these milestones have a much heftier price tag. The sheer costs can be intimidating, whether it's a wedding, a new home, or...

 

Tuesday, April 25, 2023

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

 

Tuesday, April 11, 2023

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

 

Tuesday, April 4, 2023

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.

 

Tuesday, March 28, 2023

What do you absolutely need to accomplish? If you could only get four or five things done in retirement, what would they be?

 

Tuesday, March 21, 2023

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

 

Thursday, March 16, 2023

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!

 

Tuesday, March 7, 2023

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...

 

Thursday, March 2, 2023

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...

 

Tuesday, February 7, 2023

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...

 

Tuesday, January 31, 2023

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...

 

Wednesday, January 18, 2023

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...

 

Tuesday, January 17, 2023

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...

 

Tuesday, January 10, 2023

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...

 

Thursday, January 5, 2023

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...

 

Tuesday, December 20, 2022

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...

 

Tuesday, December 13, 2022

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...

 

Tuesday, December 6, 2022

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...

 

Thursday, December 1, 2022

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...

 

Tuesday, November 29, 2022

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

 

Tuesday, November 22, 2022

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...

 

Tuesday, November 15, 2022

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

 

Wednesday, November 9, 2022

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...

 

Tuesday, November 8, 2022

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

 

Tuesday, November 1, 2022

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.

 

Tuesday, October 25, 2022

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.

 

Tuesday, October 18, 2022

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

 

Tuesday, October 11, 2022

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

 

Tuesday, September 27, 2022

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

 

Tuesday, September 20, 2022

"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

 

Tuesday, September 13, 2022

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

 

Tuesday, September 6, 2022

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

 

Thursday, September 1, 2022

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!

 

Tuesday, August 30, 2022

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.

 

Tuesday, August 23, 2022

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...

 

Tuesday, August 16, 2022

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

 

Tuesday, August 9, 2022

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...

 

Tuesday, August 2, 2022

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...

 

Tuesday, July 26, 2022

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),...

 

Thursday, July 21, 2022

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...

 

Tuesday, June 28, 2022

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.

 

Thursday, June 23, 2022

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.

 

Tuesday, June 14, 2022

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

 

Tuesday, June 7, 2022

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

 

Tuesday, May 31, 2022

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

 

Tuesday, May 24, 2022

 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...

 

Monday, May 16, 2022

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

 

Tuesday, May 10, 2022

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

 

Tuesday, April 26, 2022

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

 

Thursday, April 21, 2022

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

 

Tuesday, April 12, 2022

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.

 

Thursday, April 7, 2022

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.

 

Tuesday, March 29, 2022

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.

 

Wednesday, March 23, 2022

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.

 

Tuesday, March 22, 2022

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.

 

Tuesday, March 15, 2022

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?

 

Wednesday, March 9, 2022

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!

 

Thursday, February 24, 2022

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

 

Tuesday, February 22, 2022

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...

 

Thursday, February 10, 2022

 

Monday, January 31, 2022

 

Tuesday, January 25, 2022

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

 

Monday, January 24, 2022

 

Tuesday, January 18, 2022

 

Monday, January 3, 2022

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...

 

Monday, December 27, 2021

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)...

 

Wednesday, December 15, 2021

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...

 

Monday, December 13, 2021

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...

 

Monday, November 29, 2021

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...

 

Monday, November 22, 2021

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 –...

 

Monday, November 15, 2021

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...

 

Monday, November 15, 2021

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...

 

Monday, November 1, 2021

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

 

Monday, October 25, 2021

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...

 

Monday, October 18, 2021

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...

 

Friday, October 15, 2021

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...

 

Monday, October 11, 2021

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...

 

Tuesday, October 5, 2021

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...

 

Tuesday, September 21, 2021

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

 

Sunday, September 19, 2021

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...

 

Wednesday, September 15, 2021

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...

 

Tuesday, September 14, 2021

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

 

Sunday, September 12, 2021

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...

 

Wednesday, September 8, 2021

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...

 

Monday, September 6, 2021

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...

 

Tuesday, August 31, 2021

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...

 

Monday, August 30, 2021

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...

 

Tuesday, August 24, 2021

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...

 

Sunday, August 22, 2021

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...

 

Tuesday, August 17, 2021

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...

 

Sunday, August 15, 2021

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...

 

Sunday, August 15, 2021

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...

 

Tuesday, August 10, 2021

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...

 

Tuesday, August 10, 2021

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...

 

Sunday, August 8, 2021

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...

 

Wednesday, August 4, 2021

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...

 

Tuesday, August 3, 2021

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...

 

Tuesday, July 27, 2021

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...

 

Tuesday, July 20, 2021

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...

 

Thursday, July 15, 2021

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...

 

Tuesday, July 13, 2021

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...

 

Wednesday, July 7, 2021

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...

 

Tuesday, June 29, 2021

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...

 

Tuesday, June 15, 2021

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...

 

Saturday, May 15, 2021

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...

 

Thursday, April 15, 2021

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...

 

Monday, March 15, 2021

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...

 

Monday, February 15, 2021

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...

 

Friday, January 15, 2021

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...

 

Tuesday, December 15, 2020

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...

 

Sunday, November 15, 2020

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...

 

Sunday, November 15, 2020

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,...

 

Thursday, October 15, 2020

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...

 

Saturday, October 3, 2020

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...

 

Thursday, October 1, 2020

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...

 

Tuesday, September 15, 2020

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...

 

Friday, August 28, 2020

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...

 

Saturday, August 15, 2020

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...

 

Friday, July 17, 2020

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...

 

Friday, June 19, 2020

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...

 

Tuesday, June 16, 2020

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...

 

Thursday, June 4, 2020

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...

 

Tuesday, June 2, 2020

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...

 

Thursday, May 28, 2020

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...

 

Wednesday, May 27, 2020

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...

 

Monday, May 18, 2020

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...

 

Monday, May 11, 2020

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:...

 

Monday, May 4, 2020

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...

 

Monday, April 27, 2020

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...

 

Monday, April 20, 2020

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...

 

Friday, April 17, 2020

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...

 

Thursday, April 16, 2020

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...

 

Monday, April 13, 2020

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...

 

Monday, April 13, 2020

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...

 

Friday, April 10, 2020

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...

 

Thursday, April 9, 2020

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...

 

Thursday, April 9, 2020

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...

 

Tuesday, April 7, 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...

 

Monday, April 6, 2020

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...

 

Thursday, April 2, 2020

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...

 

Thursday, April 2, 2020

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)....

 

Tuesday, March 31, 2020

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...

 

Tuesday, March 31, 2020

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...

 

Tuesday, March 31, 2020

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...

 

Monday, March 30, 2020

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...

 

Monday, March 30, 2020

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...

 

Monday, March 30, 2020

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...

 

Friday, March 27, 2020

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/

 

Wednesday, March 25, 2020

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...

 

Tuesday, March 24, 2020

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...

 

Tuesday, March 24, 2020

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...

 

Monday, March 23, 2020

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...

 

Monday, March 23, 2020

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

 

Tuesday, March 17, 2020

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...

 

Tuesday, March 17, 2020

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...

 

Sunday, March 15, 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...

 

Thursday, March 12, 2020

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...

 

Tuesday, March 10, 2020

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...

 

Saturday, February 15, 2020

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...

 

Wednesday, January 15, 2020

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...

 

Wednesday, January 15, 2020

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,...

 

Sunday, December 15, 2019

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...

 

Wednesday, November 20, 2019

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...

 

Friday, November 15, 2019

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...

 

Tuesday, October 15, 2019

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...

 

Sunday, September 15, 2019

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...

 

Thursday, August 15, 2019

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...

 

Monday, July 15, 2019

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...

 

Saturday, June 15, 2019

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...

 

Wednesday, May 15, 2019

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...

 

Monday, April 15, 2019

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...

 

Friday, March 15, 2019

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...

 

Friday, February 15, 2019

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...

 

Wednesday, January 30, 2019

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...

 

Wednesday, December 12, 2018

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...

 

Thursday, November 15, 2018

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...

 

Monday, October 15, 2018

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...

 

Tuesday, September 25, 2018

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...

 

Saturday, September 1, 2018

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...

 

Monday, August 6, 2018

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....

 

Thursday, July 5, 2018

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...

 

Friday, June 1, 2018

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...

 

Tuesday, May 15, 2018

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?...

 

Tuesday, April 24, 2018

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...

 

Tuesday, April 24, 2018

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...

 

Wednesday, April 11, 2018

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...

 

Thursday, March 1, 2018

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...

 

Thursday, February 15, 2018

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...

 

Thursday, February 1, 2018

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...

 

Monday, January 15, 2018

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...

 

Friday, December 1, 2017

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...

 

Tuesday, October 10, 2017

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...