How To Find The Best Financial Advisor For You (Jan 25, 2018)

Whether it’s a New Year resolution, life event, or simply recognition that your finances require attention, hiring a financial advisor is a great idea, wealth-wise. But how do you find the best financial advisor for you?

SageVest offers a high caliber of investment management services to clients in the DC Metro area and beyond, and we welcome your enquiries. However, we recognize that our investment minimum may present a hurdle for some, and that consequently, we’re not always the best fit. Here’s how to find the best financial advisor for you.

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Age 62 – Early Social Security (Jan 19, 2018)

Age 62 is a milestone birthday. It’s the earliest age you can start receiving Social Security retirement benefits. It’s also the most popular age to start claiming retirement benefits, especially among women.

Collecting early retirement benefits can make sense for some people. However, be aware that collecting benefits before your Full Retirement Age (FRA) means that your monthly retirement benefit will be permanently reduced.

Here are some of the factors to consider when deciding whether to start collecting Social Security retirement benefits early.

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Age 65 – Enrolling In Medicare (Jan 18, 2018)

Congratulations if you’re approaching your 65th birthday, or have already turned 65.

This is an important milestone birthday, as it’s the age at which you become eligible for Medicare, the Federal health insurance program for those aged 65 and older, plus other eligible adults.

Here’s what you need to know about the basics of Medicare.

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Age 66 – Social Security Full Retirement Age (Jan 17, 2018)

Your full retirement age depends on the year in which you were born.

Age 66 is Social Security’s full retirement age for people born before 1960. You’re now eligible to receive your full Social Security benefit. You’re also no longer subject to the earnings limit, so if you continue working, your benefits won’t be reduced.

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Age 70 – Maximum Social Security Plus RMDs (Jan 16, 2018)

Age 70 is Social Security’s maximum retirement age. Contact your local Social Security office in advance of your 70th birthday, to discuss your options and to apply for retirement benefits. Planning ahead is especially important if you have a government pension and may be subject to either a pension offset or a windfall elimination provision.

At age 70½, you must also begin taking Required Minimum Distributions (RMDs) from your Traditional IRA and other qualified retirement plans. SageVest Wealth Management can help you calculate your aggregate RMDs and develop a plan for optimized, tax-efficient distribution of your Required Minimum Distribution.

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What To Do Before Leaving Your Job (Jan 8, 2018)

There are many reasons why you might be considering looking for a new job. Maybe you’re seeking more responsibility – or less. Perhaps your job is no longer rewarding – monetarily or otherwise. You might be relocating, changing careers entirely, or have had the unfortunate experience of losing a job. Whatever the reason, there are many financial factors to consider before you make a career move. Planning ahead can help ease the transition into your new job, and help secure your finances for your immediate and longer term future.

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Investment Thoughts As We Enter 2018 (Jan 4, 2018)

The SageVest Wealth Management quarterly commentary is now available for year-end 2017. Highlights include:

– 2017 brought prosperity to investors, thanks to continued new stock market highs and low volatility.

– Expectations of tax reform supported growth, and became a late-year Republican victory. The ultimate impacts will be seen in the months and years ahead.

– 2018 offers plenty of continued growth opportunity, with a worthy cautionary note that we’re in the second longest bull market ever, with elevated valuations.

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5 Money Tips For Women (Jan 2, 2018)

As women’s roles expand in our workforce, our communities, and our family networks, so too do their responsibilities. Women are increasingly independent, personally and financially, often supporting both themselves and other family members. Yet gender-specific issues like lower earnings and longer lifespans continue to challenge longer-term financial security. What better way to celebrate Women’s Self Empowerment Week, therefore, than by considering women’s financial well-being?

As a top-ranked, woman-owned personal wealth manager, SageVest Wealth Management understands the importance of financial planning for women. Here are five essential money tips that every woman should follow.

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6 New Year Resolutions For Business And Career Success (Dec 29, 2017)

Everyone aspires to succeed. While some people get lucky, for most of us, success is due to thinking ahead, smart decisions, and hard work. Growth in your career or business is also fundamental to a stronger financial future, for yourself and your family.

SageVest Wealth Management’s New Year resolutions for business and career success will help you strive towards new heights in your business, career, and personal life.

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How The New Tax Laws Impact You (Dec 28, 2017)

The recently legislated tax reform made for an extraordinary end to 2017, when considering how the new tax laws impact you, your family and your finances. Despite an objective to simplify the tax code, it remains complex, particularly the determination of whether you’ll be facing higher or lower taxes in the future.

SageVest Wealth Management outlines the primary changes in individual taxes, focusing on the areas that render the greatest impact to our clients. The majority of tax changes discussed will expire on December 31, 2025, unless otherwise noted.  

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