Investing for Your Future on a Budget

By Safeguard Investment Advisory Group | April 23, 2015

It’s never too late to save for retirement. If you are rapidly approaching your retirement date or have already retired, it’s important to have extra to save for what lies ahead. Saving and preparing for the future doesn’t always require having deep pockets. There are several things that you can do to save for retirement…

A Few Frequently Asked Questions About 401(k) Plans

By Safeguard Investment Advisory Group | April 16, 2015

According to the Investment Company Institute, approximately 52 million Americans actively contributed to a 401(k) plan in 2012. Obviously these retirement plans are one of the most common ways that people plan for their financial futures. Whether you have one or not, it’s important that you understand these plans and the options available to you.…

Track Your Spending Habits With a Money Management App

By Safeguard Investment Advisory Group | April 13, 2015

In the face of tax time, you may be looking at an unexpected surplus in the form of a tax refund — or an unexpected expenditure in the form of a tax-withholding shortfall. In either case, money management is probably at the forefront of your mind. While everyone should have a long-term plan for their…

Planning for Long-term Care in California: The Basics

By Safeguard Investment Advisory Group | April 1, 2015

As with many things in retirement and insurance planning, long-term care can be an unpleasant and uncomfortable topic. No one wants to think about struggling with debilitating illness or injury. However, planning now could save you strife down the road. Regardless of age, anyone could face illnesses or disabilities that require long-term care. For younger…

Income Planning: An Essential Part of a Successful Retirement

By Safeguard Investment Advisory Group | March 27, 2015

While in the workforce, you are at the mercy of your employers when it comes to the number printed on your paychecks. At set intervals, you receive a certain amount of money that is based on the time and effort you put into your responsibilities. But things change when retirement years begin. Retirees must essentially “pay…

When Saving for Retirement, Don't Get Distracted by Short-term Goals

By Safeguard Investment Advisory Group | March 17, 2015

When investing, it can be tempting to treat each fund like a game and spend all your time measuring whether it met or exceeded your expectations and market averages. But if you’re doing that, you are missing the big picture. If it’s your retirement you are investing in, the single solid goal that should dominate…

What Is Tax Planning?

By Safeguard Investment Advisory Group | March 9, 2015

If you are like most people, taxes have probably been on your mind a lot lately with the April 15 tax deadline soon approaching. (If they aren’t on your mind, they will be soon.) During this time period, we all wonder how we can reduce the impact that our personal or business taxes have. With…

The Benefits of Meeting With a Financial Advisor

By Safeguard Investment Advisory Group | February 24, 2015

You don’t have to have millions of dollars in your bank account to justify working with a financial advisor in the Sacramento or Riverside County area. These professionals are a great resource for people from all walks of life to organize their finances, invest wisely, or plan for retirement. Here are four common questions that…

In a Volatile Market, Hedge Your Investments With Low-Volatility ETFs

By Safeguard Investment Advisory Group | February 12, 2015

When the market is at its most unpredictable, a really dedicated investor can find funds to gamble on that will shoot up in value. But many such funds are just as likely to shoot downward; that’s the very definition of a volatile market. If you pay regular attention to your portfolio rather than sitting back…

Do I Need an Investment Advisor?

By Safeguard Investment Advisory Group | December 3, 2014

Do I Need an Investment Advisor? Most of us are busy with work, kids, church, walking the dog, possibly caring for an elderly parent, and a variety of other responsibilities that consume our day.  With all that we have going on, we tend to have little to no time for ourselves.  We often neglect things…


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