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SFG Insights

News and information to help improve your Four Capitals
the approach
Retirement Planning

Mega Backdoor Roth Conversions

Mega backdoor Roth conversions give high-income earners an opportunity to participate in after-tax savings and tax-free investing. This strategy is available to individuals that participate in a qualified retirement plan, such as a 401(k), that allows after-tax contributions to the plan. Who Should Consider a Mega Backdoor Roth Conversion A mega backdoor Roth conversion may

By Alyssa Yocom
September 1, 2021
Investment Management

Scenario Planning versus Forecasting

At Schultz Financial Group (SFG), we view wealth differently through our Four Capital approach. Our team works with you to build your wealth across Four Capitals – Financial Matters, Physical Well-being, Intellectual Engagement, and Psychological Space. This blog explains the difference between scenario planning and forecasting.

By William Saulsgiver
August 20, 2021
Investment Management

Both Active and Passively Managed Funds Belong in a Diversified Portfolio

What’s the difference between active and passive investing? Why does SFG prefer active? We often hear these questions when discussing our investment managers and strategies with clients – and understandably so. As actively managed exchange-traded funds (ETFs) and mutual funds (MFs) have underperformed over the past decade, we’ve seen explosive growth in passive ETFs and

By Schultz Financial Group Inc.
August 16, 2021
Charitable Giving

Donor-Advised Funds

What is a Donor-Advised Fund? Donor-advised funds are charitable investment accounts that can be opened at many of the major brokerage firms, such as Charles Schwab and Fidelity, or at a local community foundation. Two of the biggest advantages of donor-advised funds is the flexibility they offer to donors and their tax advantages. Individuals with

By Alyssa Yocom
August 11, 2021
Investment Management

SFG Investment Insights: Mid-Year 2021

As we noted in our 2020 Investment Insights report, the economic path remains shrouded in a dense fog. With the Delta variant of COVID-19 now making up more than 50%1 of cases, masks mandates, further shutdowns, and work-from-home implementations may either continue or be reinstituted by federal or local authorities. However, consistent with our core

By Schultz Financial Group Inc.
August 5, 2021
Insurance & Risk Management

Protecting Your Home During Renovations and Construction

Your home is more susceptible to damage or destruction during home renovations or construction. Unstable conditions, incomplete structures, dangerous machinery, and unsecured property may lead to accidents, injury, theft, or fire. It is important to work with your insurance agent before and during your home renovation and construction process to ensure you are adequately protected.

By Alyssa Yocom
July 21, 2021