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Saratoga Financial Services

  •  Tel: 518-584-2555
  •  Fax: 518-584-3762

Saratoga Financial Services

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Financial Markets will be closed Monday, July 4th 2022. Therefore, our office will be closed as well in observance of 4th of July. 

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Articles of Interest

Retirement Planning

  • 7 Things to Remember When You Feel Like You'll Never Be Able to Retire
  • 34% of Retirees Are Spending More Than Expected
  • How to Plan for Rising Health Care Costs in Retirement
  • 7 Common Mistakes to Avoid with Your Retirement Money
  • Working in Retirement: A Rulebook
  • 5 Surprises About Planning For Retirement Income
  • 10 Mistakes that can Sabotage Your Retirement Savings
  • 6 Lessons From the First Year of Retirement​
  • 3 Tactics Toward a Better Retirement
  • Here's How Much the Average 50-Something American Has Saved for Retirement
  • 5 Considerations when Retirement Planning for Two
  • 5 Ways to Reduce Your Post-Retirement Cost of Living
  • 5 Retirement Myths - Debunked!
  • A 5-Year Countdown to Retirement
  • A Strong Foundation
  • Analyze Your Spending
  • Basics of Retirement Planning
  • Do Your Retirement Savings Measure Up?
  • From Wealth-Building to Lifetime Income
  • Over 50? Retirement Savings Strategies
  • Retirement Fitness
  • Steps Toward Achieving Your Retirement
  • What are the Possibilities?

 

Investment Management

  • 5 Sustainable Investing Myths
  • 5 Things You Need to Know to Ride Out a Volatile Stock Market
  • 4 Reasons to Consolidate Accounts
  • 5 Mistakes Investors Make and How to Avoid Them
  • Weathering Market Downturns
  • Investors Beware: The Media Noise can be Deafening
  • 3 Signs You Are Too Attached To Your Employer's Stock
  • Surviving Market Volatility During COVID-19

 

Financial Planning

  • Must-Have Documents for a Peaceful Future
  • HSA: The Underused Retirement Savings Secret Weapon
  • Sandwiched: Balancing Financial Priorities
  • College Savings and Financial Aid: The Formula for Having Both
  • 7 Essential Retirement Rules for Anyone Over 50
  • 6 Gifts for Grandchildren That May Increase in Value
  • Mid-Year Financial Checkup: 5 Things to Review Now
  • 10 Steps to Helping an Aging Parent
  • Important Birthdays Over 50
  • Understanding Health Savings Accounts
  • How Gifting Your Home Can Create Tax Consequences

 

Social Security

  • Social Security Rules to Live By
  • Keep the Role of Social Security in Perspective
  • Social Security: Is Your Age a Retirement Numbers Game?
  • How Income Tax on Social Security Became a $277 Billion Problem for Retirees

 

Insurance

  • What to Do With an Old Life Insurance Policy
  • Life Insurance: Adapting to Changing Needs
  • More than One Way to Skin the [Long Term Care] Cat (Part 1)
  • More than One Way to Skin the [Long Term Care] Cat (Part 2)

 

Trusts

  • Using Trusts as Part of Your Estate Planning
  • The Five Biggest Ways to Bungle a Trust
  • Trust Beneficiaries: Be Informed About the Basics

 

Learning Center

  • Blog
  • Articles of Interest
  • Calculator Library
  • Market Insight
  • COVID-19 Updates & Resources

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18 Division St, Suite 305
Saratoga Springs, New York
12866 United States

  •  Tel: 518-584-2555
  •  Fax: 518-584-3762
  •  Robert.Schermerhorn@lpl.com
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Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

Please review Important Disclosure Information set forth in the last section of this web site. Due to various state and federal regulations and registration requirements concerning the dissemination of information relating to investment products and services, we are currently required to limit access of this web site to individuals residing in states where we are currently registered.

We are currently registered to conduct business in the following states:  Arizona, California, Colorado, Connecticut, DC, Florida, Hawaii, Idaho, Illinois, Iowa, Maine, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Texas, Utah, Vermont, Virginia, Washington and Wisconsin.

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