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SB Financial Group, 119 N. McCarthy Road Suite M, Appleton, WI (2026)

09/04/2026

Big Question - How to calculate how much you need to retire comfotably? Info below 👇

Are you wondering how much you need to save for retirement?

If $1.2 million feels like too much (or too little), there are some rules of thumb that can help you calculate a more accurate number.

► One popular method is the 70% rule. According to this rule, you’ll need 70% of your pre-retirement household income each year in retirement for 25 years.

For example, if your household brings in $150,000 in the year before you retire, then you’ll need $105,000 annually.

Multiply that by 25 years and your retirement savings goal would be: $2,625,000.

That’s a lot of money! But if you're spending roughly $105,000 each year on your typical household expenses, like food, utilities, insurance, and transportation, it might be accurate.

If $2 million is out of reach, you can use a withdrawal rule, like the 4% rule.

► This rule states that you should withdraw only 4% of your retirement savings annually for at most 25 years.

For example, if you’ve saved $400,000, this rule would recommend withdrawing only $16,000 per year (not counting pensions and other additional income).

The advantage of this rule is that it starts from what you have, rather than what you don’t - so it's a great option if you're looking for a more realistic retirement savings goal!

hope this helps. If you need to work out your numbers - feel free to message me and I'll be able to do that for you.

09/03/2026

How to Build Generational Wealth? (a simple but powerful question to ask)

What is 'Generational Wealth'?

Generational wealth is the ability to preserve and transfer assets from one generation to the next. Providing your children or grandchildren with even asmall financial safety netas they become adults may make it easier for them to achieve milestones, including going to college or purchasing a house.

Since your children or grandchildren may not use your assets for decades, you need to create a forward-looking investing plan that accounts for economic factors such as inflation

The goal behind amassing generational wealth is totake care of your childrenand grandchildren to make sure they have a better life than you have

Creating and sustaining generational wealth is no small task, but taking the following steps can help. Here are 5 simple steps.

✓ Step 1 -Talk About Money With Your Children
It’s important to make sure your children know and understand the money decisions that you’re making over time.

✓ 2- Build an Emergency Fund
Having at least three months’ worth of expenses in a liquid account will give you more flexibility if anunexpected expense arisesor you lose your job. By tapping into your emergency fund, you can let your long-term savings continue to grow untouched.

✓ 3- Prioritize Saving & Invest
Building enough wealth that it can last across generations requires consistently living below your means (and saving your excess income). Start by maxing out your retirement accounts, then you can move on to investing in outside brokerage accounts and other assets that might gain value over time.

✓ 4-Think About the Long Term
Your children or grandchildren may not own or use your assets for many decades. You have to create an investing plan that looks decades into the future and takes into account factors such as inflation, which can erode the value of your assets over time.

✓ 5-Have an Estate Plan
Having an estate plan – including a will and powers of attorney – ensures that your assets will get distributed the way you want after you pass away. Estate planning professionals can also help you set up a plan that minimizes the amount of taxes your heirs might owe on their inheritance.

What are your thoughts - comment below 👇
If you want to learn more about this contact me at :
https://www.sbfinancialgroup.com

09/03/2026

Warren Buffett’s Estate Plan Update: Gates Foundation Removed 🔥

Recent news has highlighted a significant change in Warren Buffett's estate planning: the Gates Foundation has been removed from his will. This serves as a powerful reminder to all of us about the importance of regularly updating our own estate plans to reflect current wishes and circumstances.

Why It's Crucial to Keep Your Estate Plan Current?

Have you updated your estate plan recently?

Here are three key lessons to consider:

►Regular Reviews: Ensure that your estate plan and will align with your current life situation and goals. Major life events such as marriage, divorce, the birth of a child, or changes in relationships can all necessitate updates.

►Clarity and Specificity: Be clear and specific about your wishes to avoid any confusion or disputes among your beneficiaries. This can help ensure that your assets are distributed according to your intentions.
Professional Guidance:

► Consult with a financial advisor or estate planning attorney to navigate the complexities of estate planning. Their expertise can help you make informed decisions and avoid common pitfalls.

Take Action Today:If it's been a while since you reviewed your estate plan, now is the time to act. Schedule a meeting with your financial advisor to discuss any changes or updates that may be needed.

If you need help with this then just message me.

09/03/2026

Here's something to know about -What Is A 401(k) Match?

What Are 401(k) Matching Contributions? If your employer offers 401(k) matching contributions, that means they deposit money in your 401(k) account to match the contributions you make, up to a certain threshold. Depending on the terms of the 401(k) plan, an employer may choose to match your contributions dollar-for-dollar or offer a partial match. Some employers may also make non-matching 401(k) contributions.

Matching contributions are an incredibly valuable benefit offered by employers, as they can be an effective way to increase employee engagement and motivation. Most employer offersome sort of matching contribution.

It is important to note that some 401(k) plans may require employees to vest before taking full ownership of the matching contributions made by their employers. Vesting is a process which allows employees to gain full ownership of employer-made contributions over a period of time.

This ensures that employees remain at the company for a predetermined length in order to take full advantage of the benefit. When you complete the vesting schedule, you are said to be “fully vested” and can now enjoy the fruits of your hard work!

Hope this helps.

Now, a question for you -

►Do you have 401(k) Match?

►Have you maximised it to support your personal financial or retirement plans?

Let me know if you have any questions. Just message me here 👍

09/02/2026

Women More Likely Than Men to Have No Retirement Savings. (is this true?)

It's no secret that women often lag behind men in financial matters, and it's especially evident when it comes to retirement planning.

Well Census Data is worth listening too. According to US Census Bureau.

♨️ About 50% of women ages 55 to 66 have no personal retirement savings, compared to 47% of men.

More insight.

✓ Women also lag men at the other end of the spectrum: 22% of women have $100,000 or more in personal retirement savings compared to 30% of men.

✓ Because 65% of men and 58% of women ages 55 to 66 are married (defined as those whose spouse lives in the same household), the amount of retirement savings available is difficult to assess. Married couples plan their retirement together and save together.

✓ Women and men have more comparable retirement savings when couples’ savings are combined with personal savings. However, there is still a smaller percentage of women who have retirement savings of $100,000 or more compared with their male counterparts (34.2% compared to 36.4%).

Appeal to Women - Please look at your financail plan. 🙏 If you need help feel free to reach out.

Source:US Census Bureau website.
If you want to learn more about this contact me at :
+1 920-740-4767

09/02/2026

Do you know 'What is the 25% retirement rule?'

The rule of 25 is a common benchmark for retirement savings. It states that you need to save 25 times your annual expenses in order to retire comfortably.

To calculate this figure

→ Start by multiplying your monthly expenses by 12 to get your annual expenses.

→Then, multiply that figure by 25 to arrive at your FIRE number – the amount you’ll need to retire.

It can seem daunting to think about saving such a large amount of money.

But, with careful budgeting and planning, it is possible to reach your retirement goals.

Start by looking at where you can make cuts in your budget and use the extra money to increase your savings rate.

Additionally, take advantage of employer-sponsored retirement plans and consider investing in stocks and bonds for long-term growth.

With dedication and discipline, you can achieve financial independence in the future.

If you need help or have question - just message me 👇

09/02/2026

Question -How Much Can You Gift Tax-Free?

The IRS permits individuals to make tax-free gifts up to a specified amount each year, encompassing assets like real estate, stocks, and cash. However, the gift may be subject to taxation ranging from 18% to 40%, contingent on its size. Primarily designed to prevent individuals from evading estate taxes by giving away assets before their demise, the gift tax predominantly affects the affluent, thanks to gift tax exemptions.

In 2025, the allowable tax-free gift is $18,000 per person, with taxes triggered only when the lifetime gifts surpass $13.61 million.

For instance, a single individual wishing to generously gift their daughter and her partner can provide a total of $36,000—$19,000 to each—without incurring taxes.

Exceeding the $18,000 exclusion limit doesn't result in immediate taxes but reduces the lifetime exemption. If, for instance, a gift of $60,000 is made in 2024, it surpasses the annual exclusion by $24,000, decreasing the lifetime exemption to $13.586 million.

This intricate system theoretically allows for substantial tax-free gifting, such as providing up to $13.646 million in assets in 2024, assuming the entire exemption remains intact. Understanding these nuances ensures efficient wealth transfer while navigating the complexities of gift taxation. 💸🎁

09/01/2026

I find most people are confused about this one thing.

The way they look at 'investment' vs. 'insurance'

These are two very powerful financail tools.

Let me share some insights.

Difference between investment led vs insurance led retirement strategies you must know.

Understanding the difference between investment-led and insurance-led retirement strategies is essential for effective financial planning.

📈 An investment-led strategy primarily focuses on building wealth through investments in stocks, bonds, real estate, and other assets to fund retirement. While potentially offering higher returns, it also carries market risk and requires active management.

🪬On the other hand, an insurance-led retirement strategy emphasizes guarantees and protection provided by insurance products such as annuities and life insurance. These products offer security, predictable income streams, and protection against market downturns. They provide peace of mind and ensure financial stability in retirement, albeit with potentially lower long-term growth potential.

By combining elements of both strategies, individuals can create a well-rounded retirement plan that balances growth opportunities with risk mitigation.

Understanding the nuances of investment-led and insurance-led approaches is crucial in designing a comprehensive retirement strategy that aligns with financial goals and risk tolerance.

It is my duty, mission and job to help people use the right tool. Let me know if you have questions or need help.
If you want to learn more about this contact me at :
[email protected]

09/01/2026

At 57, I’ve got $1.1M in my 401(k), $50K in savings, and a plan to retire at 62 debt-free. 🏡

With $3,500/month from Social Security and $5,000/month from my 401(k), I’m expecting a $1,800 positive cash flow.

But is this plan solid—or can it be even better?

Here’s a quick breakdown of key considerations 👇

► Can you really withdraw $5,000/month?

• If your 401(k) grows to $1.57M–$1.95M by 62, then:

▪️ $1.57M = 3.8% annual withdrawal — reasonable

▪️ $1.95M = just 3% — even better

• Your risk tolerance will help decide what’s comfortable for you.

► What does “positive cash flow” actually mean?

• Did you include taxes on your Social Security + 401(k) withdrawals?

• Missing this could throw off your whole budget—thousands of dollars off.

• Also consider recreational spending and other lifestyle costs.

► Factor in the unexpected

• Have you planned for healthcare + long-term care needs?

• Consider:

▪️ Long-term care insurance

▪️ Self-funding extra healthcare savings

▪️ Family support if needed

• These surprise costs can derail even the best retirement plans.

► Debt & lifestyle alignment

• Retiring debt-free is smart—make sure your post-retirement lifestyle is sustainable too.

• You want peace of mind and joy in your golden years.

💬 Want help reviewing or refining your plan? Just send me a message.

09/01/2026

Top 3 Reasons to Start Planning for Retirement Today 👇

Retirement might feel far off—but it arrives faster than you think. Here's why now is the best time to start:

1️. The Power of Compounding
Start early, and your money works harder for you. Compound interest helps your savings grow exponentially over time!

2️. Rising Life Expectancy
People are living longer—your savings need to last 20+ years post-retirement. Plan now to maintain your lifestyle later.

3️. Unpredictable Economic Conditions
From inflation to market crashes, the future is uncertain. A strong plan helps protect you from financial shocks.

💡 Bottom line: The sooner you start, the stronger your financial foundation will be. Secure your future—you’ll thank yourself later.

Need help getting started? Let’s connect.

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