The SGL Blog

Retirement, Taxes, and Mortality – Three Unavoidable Certainties of Life

Posted Fri Aug 11, 2023

If you’re nearing retirement, you may be thinking about that vacation you’ve always planned for or not having to get up early on Monday mornings to head off for work.  You’ve worked hard most of your life, which should be celebrated. However, one of the frequently overlooked components of your retirement years is taxes.   As you migrate from earning an income to living off Social Security, retirement savings, and other income sources, you should ask yourself: does my retirement plan […]

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Are You Being Too Frugal During Your Early Retirement Years?

Posted Wed Jul 05, 2023

Have you ever found yourself tightly holding onto every extra dollar that finds its way into your bank account, even after reaching the comfortable early retirement stage? You’re not alone. Many pre-retirees and early retirees live much more frugal lifestyles than what is required in their early -retirements, even if their financial situation does not require that level of frugality.  While disciplined saving and budgeting are commendable, there comes a time when spending some money can add more quality to […]

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Planning Ahead: Deciding the Ideal Time for Your Retirement

Posted Mon Jun 26, 2023

There is no one-size-fits-all approach to retirement planning. The road leading to this significant life transition is as unique as the individuals journeying on it, and the choice of when to retire can often feel confusing and overwhelming. This is because, in essence, retirement isn’t just about choosing when to leave the workforce—it’s about deciding when to embark on an entirely new chapter of your life.  In our blog, “Planning Ahead: Deciding the Ideal Time for Your Retirement,” we’ll discuss […]

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How to Boost Your Savings & Investments with the Help of a CFP®

Posted Mon May 29, 2023

Are you struggling to manage your finances, save for the future, fund college educations for children, or plan a comfortable, secure retirement? You’re not alone. In today’s fast-paced and ever-changing world, navigating the complexities and choices of personal finance can be challenging. That’s where we come in!  A CERTIFIED FINANCIAL PLANNER™ (CFP®), like the one here at SGL Financial, is dedicated to helping individuals like you develop effective savings strategies, optimize investments, and create comprehensive financial plans to pursue future […]

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How to Maximize Your Employer-Sponsored Plan Contributions

Posted Thu May 18, 2023

We know the importance of pursuing a secure and comfortable financial future. Maximizing your employer-sponsored plan contributions can be crucial to your financial journey.    This article will provide valuable guidance on: Understanding your employer-sponsored plan options Uncovering strategies to maximize your contributions How financial advisors can assist with your 401(k) plan management Making the most of employer-matching contributions Utilizing catch-up contributions if you are over 50 years of age   While tax day is now behind us, it’s never too […]

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Ready to Retire? Tips For Maximizing Your Retirement Income

Posted Mon May 08, 2023

Welcome to our latest blog post, “Ready to Retire? Tips for Maximizing Your Retirement Income.”  As you approach retirement, you might wonder how to pursue the most comfortable and fulfilling lifestyle possible without jeopardizing your financial security. With the right strategies, you can optimize your retirement income during your golden years.  In this post, we will delve into: Understanding different types of retirement income (guaranteed vs. non-guaranteed) Valuable retirement budgeting dos and don’ts The significance of tax planning in retirement […]

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Diversify to Reduce Portfolio Risk During Your Retirement Years

Posted Fri Apr 28, 2023

Are you a high net-worth individual or a couple getting close to or already in your retirement years? Creating a comprehensive and diversified retirement plan should be on your priority list. While many people know how important it is to save for their future security, they may not understand why having a diversified investment strategy matters as much as investments.  A strong and well-thought-out retirement plan can help ensure financial security throughout your golden years – but only if it […]

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The Critical Importance of Setting Realistic Retirement Goals

Posted Thu Apr 20, 2023

Retirement planning is essential to pursuing a secure financial future for the rest of your life. No matter where you reside, from Buffalo Grove, IL, to around the globe, having a well-defined vision for your retirement aspirations is essential. This clarity can pave the way toward a secure and enjoyable journey for your golden years. Creating realistic versus unrealistic retirement expectations can significantly impact your financial security, emotional well-being, and overall quality of life in retirement. And it’s essential to […]

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What is Retirement Planning?

Posted Tue Apr 04, 2023

Retirement planning is an important financial process for many people and can be overwhelming if you don’t have the right guidance. Whether you are saving for retirement, already retired, or somewhere in between, it’s crucial to have a comprehensive plan that can  help you pursue financial security now and in the future. In this blog post, we explore what retirement planning is all about, including key topics such as understanding your budget and investing options. As experienced retirement advisors on […]

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