8 Smart Tax Strategies

Presented by: Caroline Hill, MBA

Are you currently in a high tax bracket, or simply someone who thinks they are paying too much?  There are few things in life that are guaranteed, and taxes is one of them.  Whether you are a novice or an experienced investor, join us to learn 8 Smart Tax Strategies to reduce your taxes and make the most from your savings. 

Know Risk, Know Reward

Presented by: Randell Ogden

If you’re like most investors, you get excited when the markets go up and nervous when the markets go down. Fear and greed are the two most powerful emotions when investing. We will take an in-depth look at how these emotions can distort financial markets, what it means for you, and what you can do about it.

Countdown to Retirement

Presented by:Craig Gingerich, CFP®

If you are within 5 years of retirement, there are decisions you can’t afford to get wrong. What’s more, you may not even know the right questions to be asking. Learn steps now to avoid worrying about money after you’ve stopped showing up to work.

Cyber Security & Protecting Your Assets

Presented by: Zachary Armstrong, CFP®

Financial fraud is more prevalent than ever before and early detection and protection is crucial.  This seminar will discuss many financial risks that you may not even be aware exist.  In today’s society, we need to do more than ever to protect our credit, identity, and financial accounts.  Come learn about many of the ways online criminals can attack you financially and the things you should be doing to protect yourself from identity theft, fraud, and hackers.

Financial Planning 101

Presented by: Connor Holly, CFP®

Technology and access to information has made it easier than ever to manage your own investment portfolio. This, however, is only one piece of the puzzle. What other aspects of your financial situation could you be ignoring? This seminar will help you identify all the things you didn’t know you didn’t know.

Family Wealth Management

Presented by: Christine Palmiere, RICP®

Do you picture yourself enjoying a comfortable retirement, saving for the cost of college education for a child or grandchild, or providing financial security for your family? Financial planning is a process that can help you reach your goals by evaluating your whole financial picture; then outlining strategies tailored to your specific needs. In this presentation, we will discuss the framework of financial planning to start you down the path of accomplishing your goals.

Fire Your Broker

Presented by: Brennan Redmond, CFP®, CFA®

The financial services industry, like medicine, evolves over time. This evolution is often forced by technological advancements, regulatory changes, fee compression and client expectations. The result is that a modern financial services practice looks different today than it did even ten years ago. This presentation is designed to provide individuals with a framework for evaluating financial services firms and professionals.

Following Trends in an Unpredictable Market

Presented by: Pina Formicola, AWMA®

Were you one of the many investors who pulled out of the market at the end of last year? Knowing when to get back in needs to be strategic, not emotional. No one can time the market, but you can help mitigate your risk. Come learn the key indicators used by analysts to determine market trends, and use momentum to your advantage. Don’t let a short-term correction steer you into missing out on a long-term opportunity.

Get Your Affairs in Order

Presented by: Kris Dowejko

Would your family know what to do if something happened to you? Have you been named Executor to handle someone else’s affairs?  In this session, we’ll discuss Probate and how to avoid it, what the role of the Executor really means, and you’ll learn our simple two-step process to make things easier for your loved ones. 

Medicare: The A,B,C & D's

Presented by: Kim Nugent, CFP®

Are you or a loved one faced with making Medicare decisions?  Do you know how much you can expect to pay in healthcare costs after going on Medicare?  In this workshop we will discuss Medicare Parts A, B, C and D.  Learn what they cover, how enrollment periods work, and what you need to do to avoid late enrollment penalties.  Gain the knowledge you need in order to make Medicare choices with confidence. 

Preparing for the Next Recession

Presented by: Zachary Armstrong, CFP®

Are your investments prepared for the next recession?  Do you have a plan in place to mitigate potential losses? This seminar discusses how to reduce your investment risk, while still planning to grow your portfolio. Come learn the mistakes investors make prior to a recession that can cost them financially and strategies to consider to manage volatility and ensure retirement success.

Savvy Social Security Planning

Presented by: Kim Nugent, CFP®

When is the optimal time to claim Social Security benefits?  In this workshop we will discuss how the timing, spousal benefits, cost of living adjustments, and other complexities of Social Security can greatly impact your retirement plan.  These tips will help savvy individuals maximize their benefits in retirement.

7 Costly Retirement Risks

Presented by: Katrina Smith, CFP® & Ryleigh Mattle

Do you worry about running out of money during retirement? You are not alone; most people do. Retirement planning is complicated, but we have identified common retirement risks that you need to be aware of if you don’t want to outlive your savings.

The Debt Bomb

Presented by: Brennan Redmond, CFP®, CFA®

Bonds are historically a lower-risk asset class, but can we take that for granted? With government, corporate, and student debt at historic levels, interest rates on the rise and the federal reserve reversing their other efforts to stimulate the economy, it’s time to think through how the future may challenge some long-held assumptions; and if your portfolio is prepared.  

The IRS is Coming for Your IRA

Presented by: Doug Parker, CFP®

Whether you’re 70 years old and required to take IRA distributions or still in your 60’s and can see RMDs on the horizon, you’ll want to know how to get the most from your IRA and pay the least tax.  Learn how to work within the system, control taxes and leave the most money to your children and grandchildren.  This isn’t your parent’s IRA.  

Trusts & Estate Taxes

Presented by: Kris Dowejko

In this workshop you will learn what you need to know about wills and trusts,  how to protect your Estate against excessive taxes, how to spare loved ones the cost & headache of probate and how to avoid the most common estate planning mistakes.  Understanding how the Estate system works is your best defense against delay and cost so you can stay in control and pass more to your family.

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Sage Rutty & Company, Inc.  

100 Corporate Woods, Suite 300   Rochester, New York 14623 
main phone 585.232.3760   University 585.512.2309   fax 1.866.902.0273   toll free 1.800.733.1133

© 2019 Sage Rutty. Sage Rutty is a trademark of Sage Rutty & Company, Inc.

Members: FINRA and SIPC


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