Planning For Your Financial Future

There are many unknowns that a person can have while planning their life, but their financial future doesn’t have to be one. There are so many angles and considerations while creating the right financial plan for your goals and dreams - for many, this can be overwhelming. Luckily, the financial advisors at Sage Rutty have got you covered.

Whether this is your first step in planning for your financial future, or you’re investing in a part of your plan you’ve been working towards for years, we are determined to help match you with an advisor that fits your needs the best. Perhaps you’ve just married and want to start a savings plan for when you have children. You could be in the middle of raising children and want to ensure you’ll have the funds to pay for their higher education. Or perhaps your children are growing up and you want to now ensure you’ll be financially comfortable in retirement. Our company is comprised of nearly 20 unique advisory teams, and we are confident that the perfect advisor is waiting to meet with you. If you’re interested in planning for your future, or perhaps you’re looking to create a plan for your family, we have every aspect of financial planning and investment management covered, including retirement planning, legacy & estate planning, trust services, fixed income, bonds, and CD’s.

As Rochester’s oldest, locally owned financial services firm, we are proud to count a number of second and even third generation clients among those we serve. We as a firm have formed stability during times of uncertainty while putting our client’s needs as a top priority. We are a family-owned business which is what has rooted us to be so family-orientated in our services. Sage Rutty is not a huge corporation, nor do we have multiple locations. However, we are a loyal, trustworthy company that has a long-standing history of providing quality financial planning services to a community we love. Nothing is more important to us than taking care of others, specifically the families that we serve.

The future is uncertain, but you can rest easy knowing that you’re in good hands when it comes to your finances. Sage Rutty is committed to giving their clients the best service possible while producing results that will last a lifetime. To learn more about our services and how to get started with a financial advisor, you can visit our website or give us a call at (585)-232-3760.

Don’t Wait to Plan Your Estate

Believe it or not, you have an estate - nearly everyone does. Your estate is comprised of everything you own: your car, home, other real estate, checking and savings accounts, investments, life insurance, furniture, and other personal possessions. No matter how large or how small, everyone has an estate and something in common - you can’t take it with you when you die.

What is Estate Planning?

When your time comes, you probably want to control how your possessions are given to the people or organizations you care about most. To ensure your wishes are carried out, you need to provide instructions stating whom you want to receive something of yours, what you want them to receive, and when they are to receive it. You will, of course, want this to happen with the least amount paid in taxes, legal fees, and court costs. 

How to Create a Successful Estate Plan 

These items should be included in a thorough estate plan:

1. A Will: Name who will inherit your belongings and choose a guardian and inheritance manager for minor children.
2. Health Care Directives: Include a living will and a power of attorney.
3. Financial Power of Attorney: Grant someone legal authority to act on your behalf regarding financial issues if you become incapacitated and are unable to make those decisions yourself. 
4. File Beneficiary Forms: Naming a beneficiary for retirement plans and any bank accounts makes the funds automatically "payable on death" to your beneficiary and allows for the probate process to be skipped altogether. 
5. Life Insurance: Can help provide immediate cash at death. 
6. Preplan Your Funeral: Planning ahead enables you to make financial arrangements to cover your funeral costs. Even if you are leaving behind sufficient money, will your survivors be able to access it? Funeral insurance and funeral trusts are sound financial planning options you can consider ahead of time.

Individuals put off estate planning because they think they don’t own enough, they’re not old enough, they’re busy, think they have plenty of time, they’re confused and don’t know who can help them, or they just don’t want to face it. But what if something happened to them? Sage Rutty can help by offering step-by-step guidance to put you at ease. By evaluating and addressing any financial concerns, Sage Rutty provides peace of mind regarding important questions about personal estate plans.

Learn more about estate planning and how we can help by visiting SageRutty or calling 585-232-3760.