Transitioning to Retirement

Posted on May 29, 2024
Transitioning to Retirement Transitioning into retirement involves more than just financial planning; it requires major shifts in thinking to embrace this new phase of life.  Generally, retirement is considered to be the long-awaited reward of working hard for many years.  And of course, the unknowns can be challenging.  Here are some bumps in the road […]

What’s so special about a family owned and operated local business?

Posted on May 01, 2024
Sara-Bay was started here in Sarasota and continues to be a local family-owned and operated business 30 years later.  What might that mean for our clients? Family owned and locally operated businesses are often more focused on developing relationships.  Our clients are often our neighbors, other professionals, and local business owners. Relationships are the basis […]

What is so special about Independent Research?

Posted on April 17, 2024
Investment research is essential in evaluating a specific company and determining what, if any, investment opportunities it may offer. Many individual investors tend to make financial decisions based on common beliefs or theoretical assumptions, such as growth means high risk, efficient market theory, or value stocks versus growth stocks. These common assumptions and theories aim […]

Is it important that your advisor is also a CFP?

Posted on April 03, 2024
Is it important that your investment advisor is also a CFP? CFP stands for Certified Financial Planner.  To become a CFP candidates must have a bachelor’s degree (or higher) from an accredited college or university and three years of full-time personal financial planning experience or the equivalent part-time experience (2,000 hours equals one year full-time). […]

It’s spring-cleaning time!

Posted on March 20, 2024
 How might you tidy up your financial picture?  Provided is a short list of items that may need your attention, as always feel free to reach out to a Sara-Bay Financial advisor for help with any questions you might have! -Review the past year and the communications you’ve had with your advisor.  Is it still […]

Retirement’s coming – Will you be ready?

Posted on March 06, 2024
As your big retirement day draws closer, will you be ready? Like any life changing event, the path to can be eased by preparing.  A roadmap will help you get where you want to go.  Here are some steps you can take to help you prepare to retire. First, ask yourself; Where do you want […]


Posted on February 21, 2024
Taxes are a central consideration, as is your current tax bracket and your expected future tax bracket. If you expect your tax bracket to rise in the future, converting to a Roth can be advantageous.  The reason being that you will be required to pay taxes on the dollars you move from the IRA to […]

How Biases Affect our Decisions, or We’re Only Human!

Posted on February 14, 2024
As humans we are prone to making decisions based on emotions, and investment decisions are no different.  Below are some investment biases to be aware of that may affect investment decision making. Herd mentality bias is the tendency for investors to copy and follow other investors. Herd mentality bias is an emotional bias that is […]

What is the relationship between risk and growth?

Posted on February 07, 2024
The relationship between risk and growth can be complex and depend on various factors.  We often face risk in our daily lives and how we respond to risk taking can have a significant impact on our lives.  In general, taking risks can be necessary for growth, but too much risk can also lead to failure […]
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