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Track Your Spending Habits With a Money Management App

By Safeguard Investment Advisory Group | April 13, 2015 | Comments Off on Track Your Spending Habits With a Money Management App

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 | Comments Off on Planning for Long-term Care in California: The Basics

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 | Comments Off on Income Planning: An Essential Part of a Successful Retirement

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 | Comments Off on When Saving for Retirement, Don't Get Distracted by Short-term Goals

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 | Comments Off on What Is Tax Planning?

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 | Comments Off on The Benefits of Meeting With a Financial Advisor

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 | Comments Off on In a Volatile Market, Hedge Your Investments With Low-Volatility ETFs

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…

Old Fashioned Financial Independence

By Safeguard Investment Advisory Group | December 3, 2014 |

Are you looking to become financially independent? True financial independence calls for a combination of hard work, discipline, and a few simple steps which I will outline here.   Do not live beyond your means.  Have a budget and don’t incur bad debt.  I’m sure you have heard this many times but, do not keep…

Multiple 401k Plans and Options

By Safeguard Investment Advisory Group | December 3, 2014 |

Here are some common questions we get asked when it comes to 401k plans. “These days many people have moved around, from job to job, ending up with multiple 401k plans. What should I do? Leave the 401k where it is, move it to my new employer, or simply covert it to an IRA and…

4 Items to Review During Retirement

By Safeguard Investment Advisory Group | December 3, 2014 |

Items to Review During Retirement Analyze your current portfolio.  How much risk are you currently taking?  What is the amount of volatility you are willing to accept and does your portfolio reflect that?  If you know that you cannot bear more than 10 percent fluctuation when the market is down, is your portfolio positioned accordingly?…

Cash Value Life Insurance – Advantages and Disadvantages

By Safeguard Investment Advisory Group | December 3, 2014 |

Cash Value Life Insurance – Advantages and Disadvantages Cash value life insurance has been a big controversy amongst financial planners over the years.  Some say it is a great tool because you can build a retirement account to offset your retirement income on a tax free basis.  Others say it is a terrible investment because…

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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