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SAGEbroadview Wealth Management, WATERSIDE 6 OFFICE PARK 10 WATERSIDE DRIVE SUITE 305 FARMINGTON, Court, Morristown, NJ (2026)

04/23/2026

April is National Stress Awareness Month, and caring for aging parents is one of the biggest stressors many families face.

In our experience, stress drops when the basics are handled before there is urgency.

Here are 5 things to consider:

➡️ Financial power of attorney, so someone can act if needed

➡️ Healthcare proxy, so medical decisions are clear and legally supported

➡️ Account access, so a trusted contact can see what is happening without scrambling

➡️ Bill pay strategy, so nothing becomes a late fee problem on top of everything else

➡️ A shared “where things live” file, documents, logins, contacts, including key professionals

These are not fun conversations, but they are often a gift to future selves and to siblings who may need to step in.

When preparations have been made, families can give more time and attention to what actually matters.

04/14/2026

Your Social Security claiming age doesn't just affect you. It could affect your spouse's income for life. 👇

If you're the higher earner, the age you claim shapes what your spouse receives as a survivor benefit after you're gone.

Claim at 62, and that smaller payment could follow them for decades.

A few things that surprise people when we walk through the math:

✅ Max monthly benefit in 2026: $2,969 at age 62 vs. $5,181 at age 70. Same person, very different outcome.

✅ Up to 85 percent of benefits may be taxable. A new $6,000 senior deduction helps, but it expires in 2028.

✅ Divorced after 10+ years? You may be eligible for benefits based on your ex-spouse's record without affecting their payments.

The break-even point between claiming early and delaying benefits falls between ages 78 and 81.

With the potential for one spouse in a married couple reaching 90, this decision deserves more than a guess. 💡

12/04/2025

✨ Are YOU making the most of your year-end charitable giving?

As 2025 winds down, charitable giving is top of mind for many families, not just as a tradition, but as a strategic financial move.

A few things to keep in mind:
▪️ A large amount of annual online donations happen in December, with 20 percent made on December 31.
▪️ Starting in 2026, new rules might adjust deductions for high earners and corporations.

Some financially smart ways you can give:
✔️ Consider giving your required minimum distributions to charity vs. getting taxed on the income
✔️ Setting up tools that make charitable giving part of your legacy
✔️ Donate appreciated securities instead of cash
✔️ Graduate to more sophisticated estate management approaches
✔️ “Bundle” several years of gifts for tax purposes

💡 Charitable giving is both emotional and strategic. With the right approach, you can make a meaningful impact while considering financial benefits. Let us know if you want to talk strategies.

👉 Have you used any of these approaches in your giving?
👉 Work with your financial and tax professionals before making any changes.

08/28/2025

When’s the right time to transfer wealth—at death, or during life?

For some, that answer is shifting.

Lifetime gifting is becoming an increasingly strategic part of estate management not just for tax reasons but also to help provide some clarity, preserve control, and align decisions with long-term goals.

Key considerations:
✅ $13.99M federal gift & estate tax exemption in 2025 ($27.98M for married couples); increasing to $15M in 2026 ($30M for married couples)
✅ $19,000 annual exclusion per recipient ($38,000 for married couples)
✅ Don’t forget that your state may also impose estate taxes, and those may be well below the federal threshold
✅ Tools like trusts, donor-advised funds, and 529 plans allow for flexible, value-aligned giving
✅ Lifetime gifting may help manage your estate and unintended conflict

Gifting isn’t the right fit for everyone, but for those confident in their financial position, it may be worth a closer look as part of a proactive estate strategy.

This post is not a replacement for real-life advice. Your tax, legal, and accounting professionals can help structure your estate strategy.

Before moving forward with a trust, consider working with a professional familiar with the relevant rules and regulations. As financial professionals, we can help you structure this type of conversation with other professionals.

Some donor-advised funds are considered mutual funds and are sold only by prospectus. The prospectus will provide information on charges, risks, expenses, and investment objectives and should be reviewed carefully before investing. Investment companies can provide a prospectus, or you may prefer to ask your financial professional. Please read it carefully before you invest or send money.

A 529 plan is a tax-advantaged college savings plan. Before choosing a plan, it's important to consider not only the state tax treatment, but also any associated fees and expenses. Availability of a state tax deduction will depend on your state of residence, as state tax laws and treatment may vary from federal tax laws. If you make nonqualified distributions, earnings will be subject to income tax and a 10% federal penalty tax.

08/25/2025

Do you know how much is left to spend in your FSA?

With fall approaching, it'll be year-end before you know it and a few quick checks can help make the most of your health benefits:

👉 Got an FSA? Many Flexible Spending Accounts have a use-it-or-lose-it rule. Fall’s a smart time to use pre-tax dollars on eligible expenses like dental work, eye care, or approved health products. It’s worth checking your plan, as many items you might not think would be eligible may actually be!

👉 Met your deductible? If you’ve already hit it, consider scheduling any remaining doctor visits or procedures before year-end while your coverage is still working in your favor.

👉 Have an HSA? Health Savings Accounts roll over year to year, but fall is a great time to review how you're using those funds and plan for next year.

Note - Once you start Medicare, you can no longer contribute pretax dollars to your Health Savings Account (HSA). Any money withdrawn from your HSA for a nonmedical reason is considered taxable income and faces an additional 20% penalty. This penalty is void after age 65; however, it would still become taxable income.

A quick review now can help you use your benefits wisely and perhaps avoid leaving money on the table before the year wraps up.

08/22/2025

Do you hesitate to spend your money because it might mean selling investments and paying taxes?

You’re not alone.

Shifting into “spending mode” can feel uncomfortable even when you’ve saved more than enough to meet your goals.

But those early retirement years are often your best chance to turn wealth into meaningful memories.

Some thoughts:
🔸 Set experience goals, not just financial ones.
🔸 You can’t earn back time. Don’t miss the chance to enjoy the benefits of your wealth while health, mobility, and opportunity are on your side.
🔸 Spending with purpose—even if it means a tax bill—is just as important as saving all those years.
🔸 Above all, stick to a strategy. Retirement spending often moves through stages—from the active go-go years to the slower years ahead—so being prepared for what’s next is part of spending wisely.

What would you do this year if you gave yourself permission to spend a little of that nest egg you’ve built?

Note: Always consult with your tax professional who can provide more specific details about the tax consequences of selling an investment.

08/18/2025

One of the biggest questions we hear: “Will my money last?”

The answer? It depends on a lot more than just your portfolio size.

All of these can impact whether your money “will last”:
✅ Withdrawal strategy
✅ Timing Social Security
✅ Tax efficiency of your withdrawals
✅ Sequence of returns risk
✅ Adjusting for inflation

It’s not just what you’ve saved—it’s how you draw from it. A properly structured income strategy might add years of sustainability to your financial management.

08/15/2025

Plan on leaving an IRA to your kids? Read this first.

Starting this year, the IRS will begin enforcing new required minimum distribution (RMD) rules for inherited IRAs. Missing a withdrawal could result in a tax penalty.

Here’s what you need to know:
📌 The “stretch IRA” is mostly gone. Most non-spouse beneficiaries must now fully deplete the account within 10 years.

📌 Annual RMDs may be required, depending on when the original owner died.
➡️ If they died before RMDs were required: No annual RMDs, just empty the account by year 10
➡️ If they died after RMDs began: Annual withdrawals are required in years 1–9

📌 Who’s exempt from the 10-year rule?
✔ Spouses
✔ Minors (Children)
✔ Beneficiaries with disabilities or chronic illnesses
✔ Heirs

08/11/2025

Retirement today isn’t all or nothing.

Instead of wondering when you can retire, ask how to reshape work so it brings more freedom and fulfillment.

Think part-time consulting, board roles, or seasonal projects. For many, it’s not about leaving work behind—it’s about reclaiming time, energy, and purpose.

The right financial strategy can give you the freedom to scale back without cutting back on lifestyle or goals.

If you had one extra day off every week, how would you spend it?

08/08/2025

Before the dorm is decorated and the laptop is packed, it’s worth pausing for a few honest money conversations.

Sending a child to college is a huge emotional milestone—and an equally significant financial one.

Talking through a few key topics ahead of time might help manage stress and build confidence for the road ahead.

Here are a few conversations to consider:

📚 Budgeting basics: Walk through a realistic monthly budget, including things like food, books, transportation, and the unexpected expenses that always come up.

💳 Credit cards: Talk about how interest works, the pros and cons of paying only the minimum, and what responsible use might look like.

🍟 Needs vs. wants: College is full of spending temptations. Helping students define what’s essential can help set the tone for better long-term habits.

📁 Student loans and debt: Even if you’re not borrowing now, talk about what student debt means and how the payment process works.

💼 Earning while learning: Discuss whether part-time work is on the table and how it could help with both money management and confidence.

These conversations aren’t just about numbers—they’re about helping your student feel equipped, supported, and ready to make smart choices on their own.

SAGEbroadview Wealth Management

04/23/2026

04/14/2026

12/04/2025

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Thursday	10am - 6pm
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