Blog

The Neuroscience Issue

By Ridgegate Financial | July 9, 2018

Why it Feels Good to Do Good   Many of us were raised to follow the Golden Rule: Do unto others as you would have them do unto you. There’s a bonus to following this rule: It feels good to be good to other people.   We hope that this feeling emerges from simply enjoying…

Impact Investing

By Ridgegate Financial | July 3, 2018

The new federal government stance toward deregulation may lead many companies to roll back operational practices, potentially resulting in higher profit margins.1 However, shareholders may have a say in this decision.   As deregulation spreads throughout the nation, impact investing also is becoming a popular trend among shareholders. Many investors don’t want to simply have…

The Retirement Planning Issue

By Ridgegate Financial | July 2, 2018

“Generation Fun”   When we talk about planning for retirement, we’re usually referring to financial objectives and income strategies. These things are important, but they’re not the only ways to adequately prepare for retirement. In addition to creating an income strategy, consider developing a specific plan for what you want to do — day in…

Strategies for Optimal Social Security Payouts

By Ridgegate Financial | June 26, 2018

Social Security benefits are typically synonymous with retirement income. It would be inefficient to create a retirement plan without first estimating how much you will receive from the government.1 According to a 2018 report, Social Security benefits represent approximately:2   33% of elderly income 50% or more of income for about half of elderly married…

The Physical Fitness Issue

By Ridgegate Financial | June 25, 2018

Nutrition and Aging   Our bodies change as we age, so our personal health habits must change, too. Our physical condition can be influenced by factors including illness, genetic traits and socioeconomic factors, among others. For example:1   We may lose some of our sensory sharpness in vision, hearing, smell and taste. As our metabolism…

Pros and Cons: Fewer Regulations in the U.S.

By Ridgegate Financial | June 19, 2018

One of the current administration’s persistent themes has been deregulation — cutting through the red tape in the rules of doing business. In one instance, Donald Trump was filmed standing beside mounds of paperwork to symbolize the amount of regulation the government has implemented since 1960.1   Perhaps the same can be said for the…

The Future of Health Care Issue

By Ridgegate Financial | June 18, 2018

The Future of the Affordable Care Act   While Congress ruled against overturning the Patient Protection and Affordable Care Act (ACA) in 2017, the future of the law and its policies is still uncertain.   Recently, the Centers for Medicare and Medicaid Services (CMS) made a final ruling that gives states more control over individual…

Handling Market Corrections Correctly

By Ridgegate Financial | June 12, 2018

Today’s political environment and recent volatility in the U.S. stock markets, particularly February’s correction, caused concern for some investors.   If you’ve met with a financial advisor who designed a strategy to fit your individual financial goals, timeline and tolerance for risk, it’s generally recommended you stay the course.1 But that doesn’t mean to hold…

The Smart Consumers Issue

By Ridgegate Financial | June 11, 2018

Balance Your Budget and Buying Habits   Living without a budget is similar to taking a long trip without a road map or GPS. Is it possible? Sure. Is it the most expedient way to reach your destination? Probably not.   One could argue you might enjoy the journey more if you don’t pre-ordain all…

The Income Gap and the Economy

By Ridgegate Financial | June 5, 2018

The income gap between the wealthy and the poor is widening in the U.S.1 Why does that matter? Because there are studies that indicate a wide swathe of income differentiation is not good for economic growth.   In the years following the Great Recession, we often heard how slowly the economy was recovering. That was…

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