A Salute To Our Heroes (Nov 11, 2015)

“Peace has its victories, but it takes brave men and women to win them.” Ralph Waldo Emerson

On Veterans Day and throughout the year, SageVest Wealth Management proudly salutes those who have dedicated their lives to serving our country. We recognize and honor the many challenges and sacrifices you and your family make to support our freedom. These inevitably include a financial component.

On this Veterans Day, we encourage you to reach out to current and former forces personnel you know to extend a thank you, and to share a few financial insights that might benefit them and their families for the service they have provided.

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Time Runs Out For Popular Social Security Strategies (Nov 6, 2015)

Dramatic changes were recently announced to Social Security benefit provisions.

The Bipartisan Budget Act of 2015, signed into law on November 2nd, effectively eliminated the Restricted Application and the File-and-Suspend strategies. Those already utilizing these options will be grandfathered in; some will have a short six-month window in which to act; and, others need to be aware of how future benefits will be more limited. The media has focused on how the termination of these unintended, but popular, strategies will impact married couples. The truth is that the changes will impact single individuals as well. If your retirement plan included anticipated Social Security benefits, please take the time to read more.

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Jennifer Myers – Recipient of Two Wealth Professional Awards, 2015 (Oct 26, 2015)

SageVest Wealth Management understands the importance of working with a trusted advisor; someone with a wealth of experience and knowledge who can help guide your important financial decisions in support of your broader life objectives.

We are pleased to announce that Jennifer Myers was recently recognized by two publications for her contribution to investment and financial planning services in the Washington, DC Metro area.

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Year 7 Of A Bull Market: Three Key Questions You Should Consider (Jun 10, 2015)

It’s always important to evaluate your investment structure, and perhaps more so today, as the U.S. equity markets are now in their seventh year of a bull market cycle. This is not the longest or greatest bull market in history, but it is now the S&P 500’s third longest and fourth strongest bull market since 1929. It’s also well beyond the averages. This means it might be a good time to take stock of your stock market exposure and ask yourself three key questions.

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An Open, Honest Discussion About Fees (Apr 2, 2015)

SageVest Wealth Management recently came across an article in the New York Times that predominantly discussed mutual fund fees and alleged investment advisory conflicts. The public commentary in this and other similar pieces is well-intentioned, with an objective of helping investors plan for retirement. However, we are concerned that some discussions lack clarification and that, worse, they could scare Americans away from saving for their futures.

It seems timely to offer a few words on the advantages of working with a Registered Investment Advisor and fiduciary like SageVest Wealth Management, as well as important information to give you peace of mind about our services and how we structure the investments in client portfolios.

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The Fed Opens An Uncertain Door To Rate Hikes (Mar 19, 2015)

Investors closely eyed the Federal Reserve (the Fed) this week, looking for indications of the first Fed funds rate increase since 2008.

The federal funds rate is the key driver for all types of interest rates and varies depending upon the strength of the economy. It sets the bar for bond prices, mortgages, loan rates, investments, real estate valuations, and so much more. As expected, the Fed removed the word “patient” from its policy statement, thereby opening the door to higher interest rates in the near-term.

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Medicare Open Enrollment Period Begins October 1 (Sep 15, 2013)

Congress created Medicare in 1965. In 2010, Medicare provided health care to more than 48 million Americans. On average, Medicare coverage covers about half of health care costs for enrollees. The Medicare open enrollment period is the time during which people with Medicare can make new choices and pick plans that work best for them. Each year Medicare plans typically change what they cost and cover. In addition, your health-care needs may have changed over the past year. The open enrollment period is your opportunity to switch Medicare health and prescription drug plans to better suit your needs.

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IRS And Treasury Department Provide Guidance On Same-Sex Marriage (Aug 31, 2013)

The U.S. Department of the Treasury and the Internal Revenue Service (IRS) have announced that same-sex couples who are legally married in jurisdictions that recognize same-sex marriage will be treated as married for all federal tax purposes. Guidance has been provided in the form of a Revenue Ruling (Rev. Rul. 2013-17) and associated Frequently Asked Questions. The Treasury Department and IRS guidance was issued in response to the recent Supreme Court case striking down Section 3 of the Defense of Marriage Act of 1996 (DOMA), which defined marriage as the union of a man and a woman.

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Two Supreme Court Rulings Boost Same-Sex Marriage Rights (Jul 15, 2013)

On June 26, 2013, the U.S. Supreme Court announced its rulings on two landmark cases related to same-sex marriage.

The 5-4 decisions bolster the federal benefits available to same-sex married couples and clear the way for same-sex marriages in California.

SageVest Wealth Management discusses the implications of these rulings.

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Approval of the Affordable Care Act (Jun 25, 2012)

By a 5-4 vote, the Supreme Court upheld the 2010 Affordable Care Act (ACA). The law’s most controversial provision will stand – a mandate requiring every American citizen to buy individual health insurance coverage. The court made a key distinction, interpreting that mandate not as a directive but as a tax.  “The federal government does not have the power to order people to buy health insurance,” Chief Justice John G. Roberts, Jr. wrote in the majority opinion. “The federal government does have the power to impose a tax on those without health insurance.” The ruling carries profound implications for individuals, businesses and households.

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