Blog
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 […]
WHEN IS IT WISE TO CONSIDER CONVERTING YOUR TRADITIONAL IRA TO A ROTH IRA?
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 […]
What is a trust and do I need one?
Posted on January 31, 2024
A trust is a legal document used to manage assets. There are many reasons that you might benefit from having a trust. Common reasons include: Estate Planning. Assets held in a trust can bypass probate. This can save time and money for the beneficiaries. It is also a private document, unlike probate, so the […]
Here We Go Again!
Posted on January 19, 2024
As we enter another election year, we thought it might do us all good to look back at the thoughts that Sara-Bay has posted over the years on this subject. We found several pieces about elections and election years, and the effects, if any, on stock market values. Without getting into the particulars of […]
Is a 529 plan the best college savings vehicle for your family?
Posted on January 10, 2024
Is a 529 plan the best college savings vehicle for your family? This seems like a simple question, but the answer lies firmly in the “nothing is simple category”. Outside of scholarships and financial aid, the vast majority of people seeking higher or specialized education will require some assistance with funding. Some people would prefer […]
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