Ray Sagner is a CERTIFIED FINANCIAL PLANNER™ professional and member of the Financial Planning Association. Serving clients at The Legacy Group, Ltd. in Salem, OR and the surrounding communities.
Many people assume that estate planning is only about saving estate taxes. Consequently, they often ignore estate planning because they assume...
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As many business owners painfully discover, successfully building their enterprise does not always directly translate into successfully...
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While no one can count on rate forecasts, the prospect of lower mortgage rates should have borrowers thinking about taking advantage of cuts...
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When entering retirement, it’s common to simplify your budget as much as possible by cutting all unnecessary expenses. Nix the expensive work...
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Winter is fast approaching. And that means it's time to examine the many ways you can conserve energy and cut costs. Below is a checklist of...
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Did you know that many public employees are starting to retire much earlier than society’s traditional age of 65? In recent years, this is...
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If you’re like most Americans, you probably have a tough time saving as much as you should. Part of the problem may be that you do not know how...
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It has long seemed like trivial advice. Set three to six months of money aside in an emergency fund. Well, that advice is no longer something...
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I’ve written several blogs, both for the Financial Planning Association and others comparing financial services to the diet & health industry....
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From Main Street to Wall Street, people are desperately looking for Easy Street. The troubling state of affairs is infusing fear into America’s...
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