Todd W. Cottingham SGWP

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Todd W. Cottingham SGWP, Financial Consultant, 110 John Robert Thomas Drive, Exton, PA.

10/28/2026

One in three small business owners are taking home less pay to keep up with rising business costs. That may help avoid a price increase for now, but it can put more pressure on the owner’s personal finances. Here’s what to know if you’re a small business owner:

Know what you’re giving up: A smaller salary can make margins look healthier on paper while reducing what you can save for retirement or emergencies at home.

Set an end date: A pay cut meant to last a few months can quietly become permanent if there’s no trigger for a pricing review.

Raise prices selectively: Adjusting prices on less price-sensitive products or services may help ease the squeeze without making broad increases across the board.

See how to protect both your business and your personal finances as costs rise: https://bit.ly/4ByaOLS

Small business owners are covering rising costs from their own paychecks instead of raising prices. Here's what the data shows and the risks involved.

10/26/2026

Gen Z is starting to save for retirement at age 24 on average, a full decade earlier than boomers did. Here’s what’s helping them get a head start and what savers of any age can take from it.

Time is the real advantage: Starting early and contributing enough to capture an employer match can give savings more years to compound.

Fewer expenses can mean more flexibility: Younger workers without mortgages, childcare or caregiving costs may have more room to save each month.

It’s not too late to catch up: Older workers can continue increasing 401(k) contributions and use catch-up contributions when eligible.

See what Gen Z’s early start can teach savers at any age: https://yhoo.it/4sp2rOp

Gen Z starts saving for retirement at 24, a decade earlier than boomers. Learn how that head start can pay off in a big way.

10/23/2026

The typical first-time homebuyer is now 40, a record high. Younger Americans aren’t necessarily giving up on homeownership and retirement; many are simply taking a different path to get there.

Priorities are shifting: 62% say owning a home and saving for retirement have become more challenging, prompting many younger adults to rethink when and how they pursue those goals.

Financial pressures are reshaping choices: Housing costs, inflation, and student debt are influencing how younger professionals think about careers, lifestyles and long-term plans.

Homeownership looks different now: Multigenerational purchases and co-ownership arrangements are becoming more common as buyers find alternative paths to the same goal.

See how younger generations are redefining financial success: https://bit.ly/3TQtCVH

The younger generations are increasingly living for the here and now.

10/21/2026

Women are set to control $30 trillion in personal wealth by 2030, yet only one-third of financial advisors are female. Bridging this gap isn’t just about equality but meeting the needs of female clients. Learn how empowering women in finance is beneficial: https://bit.ly/3DqDVqQ

As more women take on household CFO roles, increasing female representation in the industry is critical.

10/19/2026

Estate planning sounds grim, but it’s really just smart prep. From naming guardians to managing healthcare wishes, organizing your future now saves stress for loved ones later. Here’s your 7-step guide to getting it done right: https://bit.ly/44Bun7x

You've probably already started the estate-planning process. We share seven steps to help you find a qualified attorney, take stock of your assets, and more.

10/16/2026

Paying an adult child’s bills may help in the moment, but open-ended support can affect both their independence and your own financial future. A clear plan can make assistance more productive.

🎯 Support with a purpose: Tie help to a specific goal, such as finishing school, finding work, or recovering from a setback.
📋 Set expectations early: Agree on how long support will last and what progress you expect along the way.
✂️ Reduce help gradually: Transition over several months and consider paying essential bills directly instead of providing unrestricted cash.

Learn how to set boundaries without damaging your relationship or retirement plans: https://bit.ly/4wQBtAw

Some parents may feel obligated to help their adult children – but that support may be doing more harm than good.

10/15/2026

It’s important to understand the differences between credit card and charge cards, specifically the fee structure and interest rates. Get educated on which option makes sense for your spending habits: https://bit.ly/3OU6ZKe

Explore the differences between charge cards and credit cards. Understand fees, credit limits, and payment terms to choose the right option for your needs.

10/14/2026

Why is saving so hard, even when we know it’s important? Our brains are wired to favor now over later, but you can outsmart that instinct. Discover three proven strategies to stick with financial goals when motivation fades: https://bit.ly/4kN5kU2

How to stick to your savings goals for the long term.

10/09/2026

66% of Gen Z investors now bet on sports, and more than half say they’ve used money meant for investing in wagers instead. Experts worry about the increasingly blurred line between betting and investing, especially since the two work very differently. Here’s what’s worth keeping in mind:

Know the real odds: The average sportsbook or prediction market user loses money, even though winning streaks get more attention.

Separate entertainment from strategy: Sports betting may be entertainment, but it doesn’t offer the same long-term wealth-building potential as traditional investing.

Watch for warning signs: When betting starts affecting work, school, or relationships, it may be time to seek support, not chase losses.

Learn why keeping betting and investing separate can matter for your long-term financial health: https://cnb.cx/47BEkCt

Surveys show Gen Z increasingly views sports bets as a form of investment, and those who gamble too often face mental health risks.

10/08/2026

Retirement isn’t just about growing your nest egg; it’s also about managing taxes once you start using it. One planner compares direct indexing to a custom kitchen rather than a meal kit: it offers more ways to customize how you manage a taxable portfolio. Here’s how it works:

Own the ingredients, not the fund: Holding individual stocks instead of an index fund can create more opportunities to harvest losses and offset gains.

Set a capital gains budget: Planning realized gains in advance can help coordinate Roth conversions while keeping tax brackets and Medicare surcharges in mind.

Build flexibility for later: Carried-forward losses may give you more options when managing taxes on future withdrawals, including when larger expenses such as long-term care come up.

See whether direct indexing could play a role in your retirement tax strategy: https://bit.ly/473LUWq

A tax planning strategy that combines direct indexing and tax-loss harvesting could help retirees minimize what they pay Uncle Sam and keep more of their wealth.

Address

110 John Robert Thomas Drive
Exton, PA
19341

Website

https://www.stratgenwealth.com/

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