The SGL Blog

Long-Term Investing is a Way to Overcome Short-Term Market Stress

Posted Fri Jan 26, 2024

Think of a long-term investing strategy like planting a tree. Just as a sapling needs time, care, and the right conditions to grow into a sturdy, fruit-bearing tree, your investments require patience, consistent contributions, and the right mix of asset classes to mature into a robust portfolio. You don’t plant a tree expecting immediate shade or fruit; with investing, the real benefits are seen over the years, not days, weeks, or a few months. As the pundits say: “It’s a […]

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Social Security Timing: Maximize Your Benefits, Minimize Taxes

Posted Tue Jan 16, 2024

If you are in your 50s or early 60s and are nearing retirement, one important part of your retirement planning process should be determining when you will begin taking your Social Security benefits. This timing could also impact your spouse, who may qualify for Social Security benefits.  While many people think that question is a no-brainer, when you begin taking your benefits can significantly impact your financial well-being for the rest of your life. As financial advisors in Buffalo Grove, […]

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Strategies for a 10-Year Financial Plan: Building a Solid Future

Posted Fri Jan 12, 2024

Incorporating long-term investment strategies into your retirement plan is like planting a tree in your backyard. When you first plant the tree, it requires a lot of care and support until it has a solid foundation that can withstand the elements. With time and the right care, what was once a small sapling becomes a fifty-foot tree with a sturdy root structure.  The same can be said about your retirement assets. They start small and grow into something substantial. Along […]

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A Proven Blueprint: SGL’s Four-Pillar Retirement Planning™ Approach

Posted Thu Nov 30, 2023

As Buffalo Grove financial advisors, one of our primary duties is to assist people in creating retirement plans that will sustain them throughout the rest of their lives. This may sound pretty straightforward, but it’s not. There are an incredible number of twists and turns.  While there are many known assumptions about retirement, there are equally as many unknown aspects that are difficult to predict, so they often don’t get factored into people’s retirement plans. This can cause many restless […]

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Transferring Wealth: Why Estate Planning Matters More Than You Think

Posted Wed Nov 29, 2023

Estate planning is a lot like designing a garden. In a garden, you consider the seasons, sunlight, and soil conditions to decide where to plant each seed. Similarly, estate planning requires you to think ahead, consider tax laws, understand your family’s needs, determine your wishes, and plan your legacy in the way you want to impact future generations. You may use trellises, fertilizers, and protective barriers like fences to help plants grow and fend off pests. Likewise, in estate planning, […]

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Your Guide to Reducing Tax Confusion During Your Retirement Years

Posted Wed Oct 25, 2023

Choosing the right Buffalo Grove CFP® professional can be crucial, especially as you get closer to retirement. You must make several important financial decisions impacting your quality of life and financial security. Many Buffalo Grove residents near retirement have told us their financial future seems more like a puzzle than a plan.  We know you have a lot on your plate, from concerns about the looming possibility of a 2024 recession to the uncertainty of an election year and what […]

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Making the Most of Your Savings: Tax-Efficient Strategies for Retirees

Posted Fri Oct 13, 2023

Navigating 30 or more years of retirement in a volatile economic landscape poses unique challenges, especially for professionals, business owners, and executives who have spent years accumulating substantial wealth.  As you transition into this next chapter of your life, you may find that market volatility and whispers of a recession add a layer of risk to your financial decisions. But fear not, making the most of your wealth is entirely possible when you use strategic tax planning for retirement. Most […]

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Unlocking Tomorrow: Mastering Retirement Income Planning Today

Posted Wed Sep 27, 2023

Planning for retirement is about more than just accumulating assets during your working years. It’s about crafting a comprehensive strategy to enjoy a comfortable lifestyle in your golden years, experiencing financial security late in life, and leaving a lasting legacy for future generations.  A major component of retirement planning is tied to the income you will need to live the life you deserve. While most people are focused on saving for retirement during working years, determining exactly how much you […]

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Your Ideal Tomorrow: The Power of a Custom-Tailored Retirement Plan

Posted Mon Sep 18, 2023

If you want to update your retirement plan or are starting your planning efforts, this blog is for you. Creating a custom-tailored retirement plan is about understanding your unique circumstances, needs, and goals. Then, you use this information to develop a retirement plan that is tailored specifically for you.  At SGL Financial, we approach wealth creation and preservation differently than other retirement planning firms. First of all, we have a deep understanding of retirement planning. And, rather than give you […]

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