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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  …

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…

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