Blog

The Small Business Owner Issue

By Ridgegate Financial | August 13, 2018

What’s Your Niche?   Rob Horken — owner of Rob’s Rod Repair and Custom-Built Fishing Rods — supplements his retirement income by building custom-made fishing rods. An avid lifelong fisherman in East Grand Forks, Minnesota, Rob’s rods are like individual works of art. They have become a popular choice in his local area as birthday,…

Takeaways From the 2018 Berkshire Hathaway Annual Meeting

By Ridgegate Financial | August 7, 2018

As he does each year, the United States’ arguably most successful investor, Warren Buffett, shared his wisdom and observations at this year’s Berkshire Hathaway annual shareholder meeting. Buffett is known not just for his investment prowess but for his ability to pare down his insights into information the average investor can understand.   Wealth managers…

The Money Savings Issue

By Ridgegate Financial | August 6, 2018

The Value of Living Beneath Your Means   There are more benefits to living beneath your means than just financial savings. Some people rediscover the simple things — the joys of an after-dinner walk instead of working out in a crowded, impersonal gym, or waking up to the smell of freshly roasted coffee in your…

Retirement Investing

By Ridgegate Financial | July 31, 2018

Retirement planning looks much different than it did a century ago. With lifespans and retirements lasting longer, it’s not just about planning for a financial future; we must also create a post-career strategy that takes into account emotional, intellectual and quality of life challenges during later years.   After all, we don’t just stop enjoying…

Market Trends

By Ridgegate Financial | July 24, 2018

Fueled by more plentiful jobs, the U.S. residential real-estate market is skyrocketing. In some areas, particularly major metropolitan cities, buyers are struggling to either find or afford a home. Those lucky enough to find the right place have to move quickly — gone are the days of extensive deliberation on whether a house fits every…

New Approaches to Retirement Savings

By Ridgegate Financial | July 23, 2018

News You Can Use New Approaches to Retirement Savings   State governments are exploring ways to help Americans save in order to provide their own income streams to supplement Social Security benefits in retirement. The following are two recent proposals.1   Some states are exploring the option of a multiple employer plan (MEP). While federal…

The New Tax Law Issue

By Ridgegate Financial | July 23, 2018

Filing Your 2018 Tax Return   Next year, taxes must be filed on or before April 15, 2019. For the last few years, that iconic date was extended because it fell on a legal holiday or a weekend, but it lands on a Monday in 2019.1 While there’s been significant debate regarding how the new…

What Higher Interest Rates Could Mean for You

By Ridgegate Financial | July 17, 2018

Unemployment is at its lowest level in years.1 Many Americans are seeing a bump in their paychecks due to the new tax law, and the stock market is remaining resilient in the bullish market.   What could go wrong?   Inflation, for one, which is why the Federal Reserve has been raising interest rates. As…

The Longevity Issue

By Ridgegate Financial | July 16, 2018

Why Work When You Can Retire?   Two common financial reasons Americans work beyond retirement age are high debt and the concern of running out of money. Home loans with low down payments and large mortgages have led to a generation with higher pre-retirement debt levels than ever before. 1   Nearly half of people…

Economic Effects of U.S. Putting ‘America First’

By Ridgegate Financial | July 10, 2018

At the start of this century, the internet enhanced global communication, and the world transitioned into one massive economy. But this new landscape came at a cost, and after years of hardships, including terrorist threats, domestic recession, income gaps and divisive politics, the country is now turning its focus inward on “America First” economics.1  …

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