SageGuard Blog
Stay informed with practical insights on retirement planning, tax strategies, and long-term financial decisions. Our updates are designed to help you navigate change and plan with purpose.
Understanding the Financial Impact of ‘Gray Divorce’
Critical Considerations for this Challenging Life Transition Divorce can significantly affect various aspects of your life, depending on your individual circumstances. This includes your finances, which can cause a great deal of anxiety and stress. The financial impact of a relationship ending can be particularly impactful in cases of “gray divorce” – when two people aged 50 or over end a marriage – because retirement is near. And, though divorce may not have been in…
Smart Financial Moves for Empty Nesters
Make the Most of Your Transition to a Child-Free Home After spending decades caring for children, it can be quite the adjustment to transition to being an empty nester. You’re likely to experience a wide range of emotions, and some of the choices you make during this transition can have a lasting impact on your well-being and lifestyle. That certainly includes your financial decisions so, as you transition into this new chapter of your life,…
5 Common Mistakes High Earners Make
Learn from these common mistakes and work towards your financial goals. A high income can potentially contribute to a sense of financial security. Maybe you’re enjoying a sprawling home, a fancy car, and the latest technological gadgets. A well-crafted income strategy has the potential to contribute to financial stability and comfort. If you’d like to leverage your high income to establish long-lasting wealth and financial security, it’s important to be aware of potential pitfalls that…
Passing an Inheritance to Your Children: 8 Important Considerations
Choosing to Leave an Inheritance Can Impact Many Other Financial Planning Decisions If you have worked hard and planned properly, you may be well situated to leave an inheritance to your children. It can feel very meaningful to be able to provide a financial legacy for your loved ones, but it’s important to be practical, too, and to go about your estate planning in the right way. This single decision can impact all of your…
Plan Ahead to Meet Rising Retirement Healthcare Costs
Consider Taking Steps to Manage Your Financial Future Today With healthcare costs on the rise, American retirees must prepare to afford significant health and medical expenses in retirement. While strategizing ways to cover retirement healthcare costs isn’t new, many retirees today are finding themselves without access to the employer- or union-sponsored retiree health benefits that previous generations depended on. This means that Americans who are currently planning for retirement need to be sure they are…
10 Steps to a Happy and Healthy Retirement
After Years of Hard Work, You Should Consider Planning for a Fulfilling Retirement Planning for retirement is a common goal for many individuals during their working years. It involves saving, investing wisely, and aiming for financial stability and comfort in the future. Of course, many retirees find themselves struggling to transition away from the busy working world and to design a new day-to-day lifestyle that feels meaningful. Use the tips below as a guide as…
Life Insurance for Families: Planning for Income Replacement and Debt
Life insurance often plays a foundational role in a family’s financial strategy. It can offer a way to help replace lost income and manage debt…
Tax-Aware Strategies for Managing Withdrawals in Retirement
Retirement is a time to enjoy the results of decades of saving, investing, and planning. But without a thoughtful approach to withdrawals, retirees may face…
Understanding the Role of Roth Conversions in Retirement Planning
When planning for retirement, many individuals focus on investment returns, withdrawal strategies, and lifestyle budgeting. But there’s another important piece to consider: taxes. The role…
Balancing Growth and Stability Beyond the Accumulation Years
Once retirement begins, the investment mindset often shifts. The focus moves from accumulation—building wealth during working years—to preservation and income distribution. But even after retiring,…
How to Approach Volatility with a Risk-Appropriate Investment Strategy
Market volatility is an inevitable part of investing. Prices rise and fall in response to economic news, global events, and investor behavior. While volatility may…
Building Retirement Income Strategies for Couples with Different Timelines
Many couples approach retirement on different timelines. One spouse may retire years before the other, or they may have different ages, health conditions, or career…
Planning for Income Continuity After the Loss of a Spouse
The loss of a spouse is one of the most difficult life transitions—emotionally and financially. Along with the emotional toll comes a significant change in…
Retirement Readiness: Questions to Consider Before You Leave the Workforce
Preparing for retirement involves more than calculating your savings. Asking the right retirement readiness questions can help you evaluate if you’re truly prepared—financially, emotionally, and…
