Financial Planning

The Secure 2.0 Act: What You Need to Know

By Kelley Muhsemann Marketing Manager The Secure 2.0 Act was signed into law on December 29, 2022, and is designed to improve retirement savings options. The Act gives retirees 72 and under an extra year before having to withdraw money from their retirement accounts, but the updates can also benefit pre-retirees. Here’s what you need...
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What is Inflation and Is it Here to Stay?

By Steven M. Rogé, MBA, CFP®, AIF® Managing Director and Chief Investment Officer Although we had high hopes that the unpredictability of our economy would have waned by now, 2022 has proven to be one of the most unpredictable years of this last decade. Federal Reserve Chair Jerome Powell was right when he announced that...
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4 Key Financial Lessons from the Last Recession

By Rosanne Rogé, CSA™, RFG℠, CFP® Managing Director If you’re above a certain age, you probably have strong memories of the last two recessions, the housing crash in 2007/2008, and the economic shutdown in 2020. You likely remember feeling a high degree of fear, anxiety, and stress over the economic uncertainty you experienced during previous...
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Should You Lease or Buy Your Next Vehicle?

By Steven M. Rogé, MBA, CFP®, AIF® Managing Director & Chief Investment Officer One of the most frequent questions we get from our clients is whether they should lease or buy their next vehicle. It can quickly and decisively be answered with, “it depends.” There are several factors to consider prior to deciding on your...
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Who We Are and How We Serve Our Clients?

By Ronald W. Rogé, MS, CFP® Founded on July 28, 1986, our fee-only financial advisory firm is celebrating its 36th anniversary. In that time, we have helped individuals not only in the Long Island and New York metropolitan areas, but throughout the country in 17 states Plan, Achieve and Live® the life they want. Today...
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Is Inflation the Problem?

By Ronald W. Rogé, MS, CFP® Chairman & CEO The Federal Reserve has begun to raise interest rates in its effort to combat inflation in the U.S. which is currently 8.3%. The inflation rate in the United States has averaged 3.26% from 1914 until 2022. We did some research on the cause of each U.S....
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Navigating Market Volatility

Over the past several years, creating a portfolio of domestic stocks, bonds, and cash worked perfectly and was hard to beat. While it may be comfortable to settle on an investment strategy that works well, we are always challenging this investment thesis. Behind the scenes we have been exploring alternative sources of returns for our...
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What to Do When Laid Off

By Steven M. Rogé, MBA, CFP®, AIF® Chief Investment Officer As companies struggle to navigate the COVID-19 pandemic and many shift from brick-and-mortar based businesses to hybrid or virtual, thousands of people have lost their jobs. According to PEW Research Center, the pandemic has caused layoffs for a quarter of U.S. adults, and a third...
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How Stock Options Work

By Steven M. Rogé, MBA, CFP®, AIF® Chief Investment Officer The late-great Yogi Berra once said, “They give you cash, which is just as good as money.” Back when Yogi was busy winning one of his 13 world championships there wasn’t such a thing as “Incentive Stock Options” or ISOs. It wasn’t until the 1960s...
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