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Baby Boomers, the nation’s second-largest population group (after Millennials), have had an average of 12.7 jobs by the time they reached age 56 making it highly likely they worked at a firm offering some kind of retirement plan. (As...

The One Big Beautiful Bill Act introduced a variety of changes to America’s tax code. One population significantly impacted by the legislation were those currently holding student loan debt and those in the process of planning for how...

Social Security has become an increasingly important component of financial well-being for retirees in the United States since it was established in 1935. More than 68 million Americans receive Social Security benefits and nine out of...

If you think that an estate plan is only necessary for high-net-worth individuals, think again. Everyone needs an estate plan for reasons from wealth preservation to tax mitigation. Estate planning done well can be a gift to your...

On July 4, 2025, President Donald Trump signed into law a domestic policy bill that extended the 2017 tax cuts that were set to expire this year while making some of the 2017 rules permanent. The bill also created several new tax laws...

Baseball and financial planning may seem like two very different arenas, but they share more in common than you might think. Both are about strategy, patience, and knowing when to make your move. Whether you’re just stepping up to the...

The Wall Street Journal recently highlighted cash balance plans ("The Retirement-Savings Weapon Doctors and Lawyers Use to Build Wealth," March 8, 2025), emphasizing the substantial tax deductions they offer participants. While valid,...

Today’s retirement – and retiree – are anything but typical. As a result, the “tried and true” retirement finance axioms popularized over the past decades no longer apply. However, many people still refer to them when working toward...

For decades, the US dollar has held the title of the world's dominant reserve currency. This status didn't come by chance: after World War II, the US emerged as the world's largest and most stable economy, and the dollar was formally...

Beginning in 2026, if a participant earns more than $145,000* in FICA wages in the prior calendar year, all age 50-plus catch-up contributions, also known as “super catch-up contributions,” must be made to a Roth account in after-tax...

Executive Summary US consumer spending drives ~70 percent of GDP but is increasingly concentrated among high-income households. The top 10 percent now account for half of all spending, up from 36 percent over the past 30 years. Credit...

In his 1605 novel Don Quixote, Cervantes cautioned readers against putting all of their eggs in one basket. The maxim remains relevant today – particularly for investors working toward financial well-being. Diversifying your...

As more investors rely on workplace plans to fund their retirement, plan sponsors find themselves working harder than ever to deliver optimal solutions to employees. Advisory firms focused on successfully engaging these plan sponsors...

Blockchain technology has experienced significant growth in recent years, revolutionizing how digital assets are stored, transferred and managed. Cryptocurrencies, which operate on blockchain technology, have expanded rapidly.

While maintaining an ongoing income stream is particularly helpful in periods of market volatility and rising inflation, constructing a portfolio designed to generate a steady flow of income can be beneficial, no matter the economic...

In 1875, the American Express Company established the first private pension plan in the United States. It wasn’t until 1978 – over 100 years later – that the US Congress laid the foundation for the first defined contribution plan by...

Tax codes and rules change frequently. In fact, many of the money-saving provisions of the Tax Cuts and Jobs Act (TCJA) are set to expire at the end of 2025. It’s never too early – or too late – to take steps to minimize your income...

The market experienced a significant downturn on Thursday, April 3rd, following President Trump’s announcement of sweeping new tariffs. Already down 9 percent from its all-time high in February due to concerns over slowing US growth,...

As company-sponsored pensions become less of a certainty for more and more American workers, the onus of planning for a financially comfortable retirement has shifted to individuals themselves. However, there are a number of challenges...

Key Takeaways: Diversification’s Comeback – After years of mega-cap tech dominance, 2025 is rewarding diversified investors as global markets take the lead. Market Surprises – The AI-driven tech rally faltered, international stocks...

Inflation, Investing and You This expression has been used to indicate irrelevancy until the conversation touches on inflation. In recent years, the price of eggs has become a key indicator of economic conditions and consumer sentiment...

In recent days, the global financial markets have been abuzz following news about China’s emerging AI company, DeepSeek, and its potential to disrupt the landscape of artificial intelligence (AI) and the broader equity market.

Over the weekend, the Trump administration announced major new tariffs on key US trading partners, raising fresh concerns about trade tensions and their impact on markets. The executive orders put a 25% tariff on goods from Mexico and...

Key Takeaways With year-end approaching, it’s a good time for investors to review their portfolios for tax efficiency. A tax-efficient strategy can reduce liabilities and increase gains over time, particularly for those in higher tax...

Written by Todd Stewart, CFA® and Mallory Armijo, CFA® Key Takeaways: Election Uncertainty: The upcoming presidential election features a close race between Donald Trump and Kamala Harris, but political uncertainty has yet to derail...

Key Takeaways The Fed is likely to cut interest rates by 0.25 percent - 0.50 percent on September 18th. While rate cuts may reduce returns on cash and savings, they could benefit investments in international stocks, small-cap stocks,...

No Time to Panic Global equity markets took a nosedive last Friday after several economic data releases pointed to a broad slowdown in the economy. The pain continued into Monday, August 5, with the S&P 500 losing 3 percent, now 8.5...

Key Takeaways: Nvidia is the global market leader this year. Although it brings exciting opportunities for growth, we feel that caution is warranted given its high valuations. Nvidia's rapid growth is reminiscent of Cisco Systems in...

Key Takeaways: Stock Market Performance: Stocks experienced a setback in April, but the S&P 500 is still up 6% YTD as of April 30th. International stocks are up nearly 5%, while bonds are down over 3%. Fed Policy and Economic Outlook:...

Key Takeaways: Market performance during election years isn’t meaningfully different from average market performance overall. Which political party wins doesn’t correlate to investment results. Markets tend to rise in election years...

SageView's Perspective: Navigating the Economic Landscape in 2024

B. Todd Stewart, CFA

Friday, February 9, 2024

Key Takeaways: Investors are increasingly bullish on US economic prospects in 2024, thanks to recent upticks in job creation and corporate profits. We’re cautiously optimistic, but we have some concerns. Factors like tight monetary...

The 4 Biggest Threats to Your Retirement (Part 2): Healthcare + LTC

Steve Sansone, JD, AIF®

Wednesday, August 9, 2023

In this second part of our series on the biggest threats to your retirement, we’ll be discussing healthcare and long-term care. While most people have been on an employer plan for much of their working career, and hopefully have...

The 4 Biggest Threats to Your Retirement (Part 1): Inflation

Steve Sansone, JD, AIF®

Wednesday, July 5, 2023

Is inflation wreaking havoc on your retirement plans? Don’t panic just yet! Here are four ways to fight inflation in your retirement.

With the Passage of SECURE 2.0, Is Your Retirement Plan Meeting Your Objectives?

Steve Sansone, JD, AIF®

Friday, May 26, 2023

Planning for retirement is a challenge for most everyone, but it’s especially difficult for Employers sponsoring a retirement plan in light of ongoing legislative changes such as SECURE 2.0. The legislation has over 90 potential...

The Biggest Financial Mistakes I See Plan Sponsors Make: Part 2

Steve Sansone, JD, AIF®

Friday, May 26, 2023

In our previous blog post, we began examining the various financial pitfalls Plan Sponsors can encounter when managing their Company’s retirement plan. These mistakes can have far-reaching consequences, not only for the financial...

The Biggest Financial Mistakes I See Plan Sponsors Make: Part 1

Steve Sansone, JD, AIF®

Friday, May 26, 2023

Managing a retirement plan is a demanding task, as it involves navigating complex rules and regulations, tailoring a plan to a business’s specific interests, as well as offering financial education and opportunities to the...

Why I Became A Financial Advisor

Steve Sansone, JD, AIF®

Monday, March 20, 2023

Life journeys are full of surprises, some of them thrilling and some of them tough to navigate. It’s important to remain flexible, open-minded, and resilient so we can handle life’s unexpected twists and turns. For example,...

The BackgroundRegulators, investors, and depositors are having flashbacks to the Global Financial Crisis (GFC) as panic is spreading through the banking industry once again. This time, the focus is on small- and mid-size regional banks...

10 Things Every Cash Balance Plan Sponsor Should Know (Part 3)

Steve Sansone, JD, AIF®

Friday, March 10, 2023

We’ve made it to Part 3 of our blog series on 10 Things Every Cash Balance Plan Sponsor Should Know. In Parts 1 and 2, we covered the essentials of how these types of plans work, and how they can provide benefits to Plan Owners...

10 Things Every Cash Balance Plan Sponsor Should Know (Part 2)

Steve Sansone, JD, AIF®

Thursday, January 26, 2023

Welcome back to Part 2 (of 3) of our series on 10 Things Every Cash Balance Plan Sponsor Should Know. Cash Balance Plans are one of the most advantageous yet overlooked retirement plans available. The four main reasons for this are (1)...

10 Things Every Cash Balance Plan Sponsor Should Know (Part 1)

Steve Sansone, JD, AIF®

Thursday, January 26, 2023

For nearly 20 years I’ve had a front-row seat to Cash Balance Plans from both the plan administration and Investment Advisor side. I’ve seen how compelling these plans can be in generating sizable tax deductions and...

Summary of provisionsOn December 29, 2022, President Biden signed into law the 2023 Consolidated Appropriations Act (CAA), a $1.7trillion omnibus spending bill passed by Congress on December 22 and 23. CAA includes numerous...