Blog
If you want to RETIRE, you need to HIRE
Welcome to Financial Insights, your resource for expert retirement planning advice, wealth management strategies, and financial guidance tailored to individuals and small business owners. Learn how to build, protect, and preserve your financial future with insight from fiduciary advisor Scott Hitchler and the Saguaro Wealth team.
Are People Leaving Low-Cost Mortgages?
Many homeowners remain locked into historically low mortgage rates, but that trend may be shifting. As more borrowers now hold loans above 6 percent, the housing market could see gradual changes in how homeowners approach buying, selling, a
Read More
Six Habits That Help Your Savings Last
Retirement isn’t the end of planning; it’s the start of a new chapter called the distribution phase. This stage focuses on preserving savings, creating reliable income, and preparing for surprises. With the right habits, you can enjoy...
Read More
Tax Prep vs. Tax Strategy: The Difference Matters More Than You Think
Tax preparation focuses on filing last year’s return, while tax strategy looks ahead. Year-round tax awareness, income timing, investment decisions, and charitable planning can help support long-term financial goals and reduce surprises.
Read More
Make Your Money Work for You with These Sustainable Habits
Earning more doesn’t automatically lead to wealth. Consistent financial habits like automated saving, tracking spending, and maintaining an emergency fund can help individuals and families build long-term financial stability and make steady
Read More
Build Habits That Protect Your Family’s Legacy
Building wealth is only the first step. Preserving it takes structure, coordination, and regular reviews. These six habits help families reduce risk, improve tax efficiency, and protect their legacy for future generations.
Read MoreShow All
Retire Wise | September 2024
As year-end approaches, so does the deadline for taking required minimum distributions (RMDs) from your tax-deferred retirement accounts to comply with federal tax laws. You generally must start taking these withdrawals from your...
Read MoreBE AWARE of Medicare
How much does your Part C really cost you? Call me to find out.
Read MoreLet's Talk About Extended Care
In your retirement strategy, you’ve likely put a good deal of thought into putting away enough money to enjoy your life, once you’ve put the daily grind in the rearview mirror. Like many, you’ve probably planned for...
Read MoreIF YOU WANT TO RETIRE, THEN YOU NEED TO HIRE
MEDICARE is an important factor for individuals and families, call us to understand your options!
Read MoreBack to School
Since most kids are back in school, and here in AZ it's going to be 115 degrees on Wednesday, so make sure to drink plenty of water. Speaking of kids and saving for college, did you know kids with earned income can contribute to a ROTH...
Read MoreFor 401(k) plan sponsors: It’s all about the plan design.
“I have a company with twenty employees. I’m paying a lot of money in taxes. Is there anything I can do to save on taxes?” “I want to set up a retirement plan for my employees. What type of plan should I be...
Read More9 Facts about Social Security
Tip: How Much? Check your Social Security earnings and see an estimate of your benefits on the website, www.ssa.gov. Social Security’s been a fact of retirement life ever since it was established in 1935. We all think we know how...
Read More