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Monday 8:30am - 4:30pm Tuesday 8:30am - 4:30pm Wednesday 8:30am - 4:30pm Thursday 8:30am - 4:30pm Friday 8:30am - 3pm

SageCreek Planning & Investments

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SageCreek Planning & Investments

Financial Planning, Retirement Planning & Investments

06/01/2026

The biggest tax on your investment portfolio...

is you!

The average investor not only underperforms the broad market, but also underperforms government bonds. The reason is emotion. While most investors know the stock market is a long term "game" they let their emotional response to short term events drive their decisions. They get scared, they sell, they miss out, then they buy back in once the dust settles.

Rinse, repeat, and lose.

Emotion will cause you to buy high and sell low because it "feels" better. If you plan to invest for the long term (as you should), then emotions have no room in your portfolio. Have a plan and stick to it or lose.

- Aston Edmunds, CFA, CFP®

05/31/2026

Not all inheritances are gifts—some assets can burden your heirs with hidden costs and family feuds. Without careful planning, assets meant to help your family could instead become a burden:

• Plan early: Work with an estate attorney to identify assets that may cause complications—like timeshares or businesses—and decide how to handle them.
• Talk it out: Discuss your wishes with heirs now to prevent conflict and confusion later.
• Keep it simple: Cash and investment accounts are easiest to divide and least likely to spark disputes.

Source: https://bit.ly/jqeljkhiTh

05/29/2026

May 29th is National 529 Plan Day 🎓

One of the most flexible and tax-efficient ways to save for education and a lot of people don’t realize just how versatile they’ve become.

If you’ve been thinking about setting one up (or already have one and want to make sure you’re using it the right way), I’m always happy to talk it through!

- Rachel McCray, CFP®

05/20/2026

Your HSA might be one of the most powerful savings tools you’re not fully using yet 👀

✅ Tax-deductible contributions
✅ Tax-free growth
✅ Tax-free withdrawals for qualified medical expenses
✅ Funds roll over year after year
✅ Can even become a long-term retirement healthcare strategy

An HSA isn’t just for today’s doctor visits… it can be a smart part of your overall financial plan!

- Rachel McCray, CFP®

05/18/2026

Companies are bigger than their earnings...

The top 10 companies in the S&P make up roughly 38% of the index. For every $1 you invest into a "diversified" index of 500+ companies, almost 40 cents goes to only 10 companies while the remaining 60 cents goes to the other 490+.

Most people are not nearly as diversified as they think.

We compound this with the fact that while the company size (Market Cap) of the top 10 stocks makes up ~38%, those same companies earnings only make up 33%.

There is a disconnect.

This is why we have seen some of these large companies set record levels of earnings or revenue growth, but the stock price doesn't move. Some of these stocks are a bit too far out in front of their skis and the market wants to let them catch up a bit before trying to barrel forward again.

I am curious to see if NVDA's earnings on Wednesday will be enough to "catch up" from an earnings perspective or if we will stay disconnected for the time being.

- Aston Edmunds, CFA, CFP®

05/16/2026

Want to support your grandkids without draining your own nest egg? Here are 3 smart ways to give:

• Save for education: A 529 plan can offer tax advantages when funds are used for qualified expenses.
• Plan your legacy: Trusts, wills, and beneficiary updates can help clarify who receives what, and when.
• Gift strategically: Annual gifts, direct tuition payments, or medical support may offer tax-efficient ways to help.

https://bit.ly/4c8D8r4

05/14/2026

Compounding isn’t just a concept; it’s one of the most powerful tools in your financial plan.

It allows your money to grow on itself over time, turning consistent, smaller contributions into something much more meaningful.

And the earlier you start, the more time it has to work in your favor.

- Rachel McCray, CFP®

05/12/2026

We are expecting another 10% correction...because it happens so often. We don't know when or why, but it's inevitable and it happens way more often than people think.

~10% is the median intra-year drawdown of the S&P 500. We've only had 2 years since 1989 where we did not experience at least a 5% drawdown. The good news is that over 80% of the time, despite a large pull back, the market ended with a positive return.

At least once a year our favorite companies go on sale! How lucky are we for that opportunity! Everyone gets excited when a 70 inch TV goes on sale for Black Friday, but that feeling somehow doesn't translate to investing.

The market is strong currently, but it won't be forever and that is great news for bargain hunters!

- Aston Edmunds, CFA, CFP®

05/10/2026

Wishing all moms a very Happy Mother’s Day filled with love, joy, and well-deserved appreciation.

💛

05/09/2026

Trying to save money? Cutting the wrong corners could cost more over time.

• Think long term: Delaying home or car maintenance can lead to much larger bills later.
• Protect what matters: Cutting insurance coverage to lower premiums may create major financial risk.
• Know when help pays off: Tax, legal, and financial professionals may help you avoid costly mistakes.

https://bit.ly/42kNWz8

Address

4233 Colonial Avenue
Roanoke, VA
24018

Opening Hours

Monday	8:30am - 4:30pm
Tuesday	8:30am - 4:30pm
Wednesday	8:30am - 4:30pm
Thursday	8:30am - 4:30pm
Friday	8:30am - 3pm

Website

http://www.sagecreekplanning.com/

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