The SGL Blog

The “R” Word

Posted Sat Aug 10, 2019

  The “R” word for most folks is Retirement. With sudden losses in the stock market due to trade tensions with China, and a bunch of other national and global economic indicators that are softening, the market has once again taken a short dive to the negative, and a new “R” words is circulating—Recession. That’s a double whammy. Not only do you have to plan to make your money last through your lifetime, but now you have to make your […]

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7 Tips For Creating a Better Password

Posted Fri Aug 02, 2019

  At SGL Financial we take information security very seriously! As the Chief Compliance Officer I am responsible for overseeing our policies and procedures regarding how we handle our clients non-public personal information (i.e. social security number, account numbers, holdings, etc.). At our firm, we have established secure and encrypted client portals, we always verify client identities before discussing sensitive information via phone, and we are not allowed to take instructions received only via an e-mail or voice-mail message—among many […]

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The 3 Most Important Questions to Ask Your Advisor

Posted Sun Jul 28, 2019

  If you’re currently with an advisor, or looking to work with someone new, there are some very important questions that you should have the answers to. See… the thing is, not all advisors are created equal. Some advisors are just “money managers” or “investment guys” and they don’t really provide much planning or retirement advice. Other advisors may say they have your best interests first, but they don’t give you the full picture, or the information you need to […]

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The Healthy Money Mindset

Posted Thu Jul 11, 2019

  Money—we strive to earn it, save it, and then, when we retire, make sure it lasts the rest of our lives. As we age, we develop specific beliefs about money—beliefs we’ve inherited from parents, friends, TV, radio, books, and advertising. History teaches us that many of those beliefs have not served us well. Whether you have a lot or a little of it, it is the cause of over 50% of divorces and one of the main sources of […]

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Yes, Go Ahead and Spend More in Your Retirement “Go-Go Years!”

Posted Fri Jun 28, 2019

  When you are in the financial services industry, and especially when you specialize in retirement planning, you see a ton of articles, opinions, and research discussing various strategies for success. One of the recent articles I read discussed three specific phases that we go through during our retirement years. These phases are referred to as the “Go-Go Years,” the “Slow-Go Years,” and the “No-Go (or Won’t-Go) Years.” Specifically, the Go-Go Years are the early retirement years, often between 60 […]

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Do You Want Guaranteed Retirement Income?

Posted Fri Jun 21, 2019

  In retirement, the #1 challenge you will face is generating retirement income. Moreover, how do you generate income that is secure, reliable, and consistent? How do you do this through uncertain and occasionally chaotic market conditions? How do you ensure you don’t run out of money? These are some of the tough questions you will face when it comes to creating your own retirement paycheck. But there is a bigger question at play… a much more important one… it’s […]

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Is Your Homeowners Insurance Up to Par?

Posted Wed Jun 05, 2019

  Reading through the various blog posts and industry articles that come across my desk every week, I came upon several articles dealing with homeowners insurance. With all of the recent rains and possible flooding in our area, many of you could, or should, be concerned with the question that also happens to be the title of one of the articles I read: Is Your Home Adequately Insured by the Right Company? While SGL does not deal with property and […]

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Beware of the Retirement Risk Zone

Posted Fri May 31, 2019

  A Mistake Here Could Upend Your Retirement Dreams I think you would agree that life doesn’t always work out as we plan. When the unplanned comes our way, we set out to fix whatever it is—to make things right. Sometimes we can get back on track quickly, but other times it may take months or even years. A storm on your vacation, for example, may sideline your touring for a few hours but, after it passes, you are back […]

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Are You Procrastinating On Creating Your Retirement Plan?

Posted Fri May 24, 2019

  I have an important question for you: Are you procrastinating on creating or finalizing your retirement plan? Life is certainly busy and throws a lot your way. We rush to and from work. There’s always something to clean up or fix around the house. Errands are constantly pulling at us. And, don’t forget about those bills to pay! So when should you carve out the time to get your retirement plan in place? Is there really any harm in […]

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