Understanding Today’s Financial Environment
Welcome, I’m Scott Ferguson, a financial professional in Halfmoon, New York. We understand that individuals face unique challenges as they prepare for retirement. We can help take the mystery out of preparing for today and tomorrow. Whether your goal is saving for retirement, college savings, or estate strategy, our personalized service focuses on your needs, wants, financial goals and objectives.
Our professionals have 24+ years of experience in financial services. We can help you address your needs of today and for many years to come. We look forward to working with you through all stages of your life, please call (518) 406-5341.
U.S. Personal Savings Rate
What can be learned from the savings rate?
Strategies For Managing Student Loan Debt
Five strategies for managing your student debt.
An Overview of Renter’s Insurance
Don’t overlook the need for renter’s insurance if you rent your home.
You’re hit by an uninsured driver. Now what? Are you protected against financial losses?
Affluent investors face unique challenges when putting together an investment strategy. Make sure you keep these in mind.
Are you a thrill seeker, or content to relax in the backyard? Use this flowchart to find out more about your risk tolerance.
It's important to understand the pros and cons when considering a prepaid debit card.
90% of small businesses in the U.S. don't protect their data from cyber attacks. Is your business at risk?
It may help your business be better prepared in the event of the death of a principal or key employee.
Determine if you are eligible to contribute to a traditional or Roth IRA.
Use this calculator to estimate your capital gains tax.
Assess whether you are running “in the black” or “in the red” each month.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
Use this calculator to assess the potential benefits of a home mortgage deduction.
Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.
Learn more about taxes, tax-favored investing, and tax strategies.
The importance of life insurance, how it works, and how much coverage you need.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
There are some key concepts to understand when investing for retirement
How federal estate taxes work, plus estate management documents and tactics.
A presentation about managing money: using it, saving it, and even getting credit.
There are hundreds of ETFs available. Should you invest in them?
The market is as unpredictable as the weather. We’d love to help you prepare.
Here are five facts about Social Security that might surprise you.
That big list of dreams and goals isn't the only way to look at your bucket list.
What does your home really cost?
Ever lost your wallet? Frustrating. Here’s what you can do to keep yourself safe.