SFG Insights

News and information to help improve your Four Capitals
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Financial Planning

When Should I Sell My RSUs (Restricted Stock Units)?

Restricted Stock Units (RSUs) provide employees the right to own company stock subject to vesting requirements, such as employee performance or the passage of time. The underlying company stock is not issued until the RSUs vest. When an employee receives Restricted Stock Units, they have an interest in the company’s equity, but the units have

By Alyssa Dalbey
March 5, 2023
Insurance & Risk Management

Medicare Part B and Part D Premium Adjustments for 2023

Medicare Part B premiums are automatically deducted from Social Security, Railroad Retirement Board, and Office of Personnel Management payments. The standard Medicare Part B premium is adjusted based on a taxpayer’s Modified Adjusted Gross Income (MAGI). MAGI for Medicare purposes is the taxpayer’s AGI plus any tax-exempt interest. Medicare uses a taxpayer’s MAGI from two

By Alyssa Dalbey
February 23, 2023
Retirement Planning

2023 Retirement Plan Contribution Limits

Retirement plan contribution limits are reviewed each year and are occasionally adjusted by the IRS. Table 1 below summarizes retirement plan contribution limits for 2023. Table 1: Retirement Plan Contribution Limits (2023) Retirement Plan Type 2023 Contribution Limit Age 50+ Catch-up Contribution Limit Individual Retirement Account (IRA) $6,500 $1,000 Simple IRA $15,500 $3,500 SEP 25%

By Alyssa Dalbey
February 1, 2023
Investment Management

Options to Consider for Cash Investments

Cash is an asset class that may be overlooked. However, we believe it plays a key role in the overall diversification of a portfolio. Now that the U.S. is moving out of a 0% interest rate environment, investors may earn meaningful interest on their cash positions. There are a Few Options to Consider for Cash

By Alyssa Dalbey
January 31, 2023
Retirement Planning

Social Security Benefits Increasing in 2023

Each year, the Social Security Administration announces the annual cost-of-living adjustment (COLA). The Social Security Administration has announced that Social Security and Supplemental Security Income (SSI) benefits will increase for 2023.

By Alyssa Dalbey
January 19, 2023