Blog
Continuing Care Retirement Communities: What They Cost, How They Work, and When to Start Preparing
Why Is This Conversation So Important Right Now? The U.S. is in the middle of a sustained demographic shift. More than 61 million adults are aged 65 and older as of 2025, and that number is projected to reach approximately 82 million...
Read MoreWhen Should I Start Taking Social Security: 5 Factors to Consider
Social Security decisions are often framed as a single question: “When should I start drawing benefits?” That question matters, but it can also be limiting. The better question is: how does Social Security fit into my overall...
Read MoreTeaching Teens and Young Adults Financial Literacy Through Real-Life Decision Making
If you are a parent of a teen or young adult, how do you teach them to make confident money decisions before the stakes are high? Teaching teens and young adults about money is less about formal instruction and more about repeated...
Read MoreHelping Adult Children Buy a Home: How to Gift a Down Payment The Smart Way
Key TakeawaysHere are some questions this blog aims to answer:How can parents or grandparents help with a down payment for adult children?What are ways to gift a down payment, and how do the annual gift tax exclusion and lifetime...
Read MoreThree Numbers Every Woman Should Know
Key TakeawaysHow much wealth are women on track to control in the next decade, and why does that matter?What does the life expectancy gap between women and men mean for how long money needs to last?How common is it for women to be...
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Tax Prep vs. Tax Strategy: The Difference Matters More Than You Think
Key TakeawaysTreat tax strategy as a continuous process, not a once-a-year filing exercise.Coordinate with financial and tax professionals throughout the year to identify opportunities for efficiency.Review contribution limits,...
Read MoreUnderstanding the Emotions Behind Financial Decisions
Key TakeawaysEmotions and biases might influence financial choices more often than most people realize.Behavioral patterns, such as loss aversion, familiarity bias, and herd mentality, can impact long-term results.Recognizing emotional...
Read MoreAI and the New Face of Fraud: How to Protect Your Identity and Finances in 2026
Artificial intelligence (AI) may be the most revolutionary technology of our time, with industries scrambling to embrace its possibilities. AI’s early influence seems similar to the positive disruptions brought about by past...
Read More2025 in Review and What You Should Know
As we begin a new year and consider the opportunities ahead, reflecting on the past year helps put today’s financial landscape into perspective and informs the strategies that can move us closer to our goals. 2025 was a year marked by...
Read MoreGoal Setting That Sticks: Simple Ways to Turn January Motivation into Lasting Wins
Key Takeaways and Suggestions for Successful Goal Setting Use SMART Goals for Clarity and FocusSet goals that are Specific, Measurable, Achievable, Relevant, and Time-bound. This proven method helps break big ambitions into manageable...
Read MoreYear-End Giving Strategies: Tax-Smart and Impactful
Key Takeaways A third of annual donations: About one-third of all charitable contributions are made in December. Donating before December 31 may offer tax advantages. New rules starting in 2026 (via the OBBB Act) may affect deductions...
Read MoreThe True Costs of Caring for Aging Parents
Key Takeaways Caring for aging parents is a growing reality for many Americans. The number of family caregivers in the U.S. has jumped to 63 million, a 45 percent increase over the past decade, making 1 in every 4 Americans a...
Read MoreMoney Talks: How to Use Holiday Gatherings to Start Family Financial Conversations
Key Takeaways Year-end holidays may be a good time to initiate a discussion about financial matters that may impact your family. If you have adult children, you may want to discuss your financial situation, estate strategy, and legal...
Read MoreNet Unrealized Appreciation: A Powerful Tax Strategy for Company Stock
If you have substantial company stock in your 401(k), there's a little-known tax strategy that could save you thousands of dollars. Net Unrealized Appreciation (NUA) allows you to potentially cut your tax burden significantly.
Read MoreUnderstanding QLACs: A Strategic Tool for Retirement Income Planning
What is a QLAC? A QLAC (Qualifying Longevity Annuity Contract) represents one of the more sophisticated retirement planning tools available today. Created in 2014, QLACs address two critical retirement challenges.
Read MoreWhich College Funding Strategy Is Right for Your Family?
Having a thoughtful education funding strategy in place early can alleviate much of the financial pressure that comes with higher education costs. At Sage Wealth Partners, we help families create education funding plans.
Read MoreUnderstanding Your Pension Options: A Critical Retirement Decision
As traditional pension plans become increasingly rare in today's workplace, understanding your options becomes even more crucial for those fortunate enough to have them.
Read MoreNew Year, New Goals!
Welcome to 2025! We're already a month into the year if you can believe it. Hopefully your New Years resolutions are still intact. This time of year is inspiring as we have taken some time off during the holidays and were able to...
Read MoreWhat is tax diversification and why does it matter?
Most people are familiar with the concept of diversification. Tax diversification takes this concept a step further by understanding the implications of “putting all your eggs in one basket” regarding the investment vehicles that you use.
Read MoreWhose taking care of Mom and Dad?
This may not be something that immediately comes to mind as we enjoy time with our family, but as the family grows responsibilities also often grow with it.
Read MoreWhat could lower interest rates mean for you?
Let’s take a moment to unpack some recent news from the Federal Reserve regarding interest rates. They’ve recently lowered rates by 0.50% (or 50 basis points), marking a noteworthy change in monetary policy.
Read MoreThe Myth of Decreased Expenses in Retirement: A Closer Look for 2024 and Beyond
For decades, financial planning ideologies have suggested that retirees can expect their expenses to decrease significantly upon leaving the workforce. The conventional wisdom posits that by the time you retire, your home will be paid...
Read MoreHow much Life Insurance is enough?
How much Life Insurance is enough? Here are a few questions that will point you in the right direction in determining the appropriate amount for you and your family.
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How do Health Savings Accounts work?
A Health Savings Account is a tax advantaged account that can be used to cover the cost of Qualified Medical Expenses. The two biggest tax advantages of Health Savings Accounts are described here.
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The Unicorn in the Room
With inflation slowly (very slowly) ticking towards the Feds 2% target and the market hitting all time highs this year, many people are wondering, in anticipation and mild amazement, when the recession is due to hit. We seem to be...
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What is Tax Loss Harvesting?
Think of a farmer harvesting their crop after a full season’s grow. The crop isn’t consumed immediately after the harvest. Some of it may be consumed, however, most of it is stored and used in the future. The idea is similar with tax...
Read MoreWhat’s changed about 529 Plans in 2024?
Effective January 1st, 2024 unused funds from 529 Plans may be rolled over into a Roth IRA if the following criteria are met: The 529 Plan account has been open for at least 15 years. Money contributed in the last 5 years is not eligible to
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How should I contribute to my 401k? Pre-tax or Roth?
A common question I have from clients is, “How should I put money into my 401(k)/403(b)/TSP? Pre-tax or Roth” This is an important question that will impact your tax bill today and, in the future, depending on how you...
Read MoreRestricted Stock Units - How do they work?
What are Restricted Stock Units and how do they work? Restricted Stock Units are shares of a company that are awarded to employees for various reasons such as a signing bonus or performance award. They vest over a period of years which...
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