◈ Homepage — https://www.sagecrestwealth.com/1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View eMoney Login Home About Contact Thoughtful planning for your life and legacy, since 1950. It's not just a strategy. It's personal. Thoughtful planning for your life and legacy, since 1950. It's not just a strategy. It's personal. Thoughtful planning for your life and legacy, since 1950. It's not just a strategy. It's personal. Meet your team What we offer What to expect Let's connect. If you're ready to begin building a plan that can help provide confidence about your financial life, click here to get the conversation started. Contact Us Helpful content Curated articles, videos, and more for a financially savvier you. Tax Rules When Selling Your Home The tax rules governing profits you realize from the sale of your home have changed in recent years. Learn More A Primer on Dividends A company's profits can be reinvested or paid out to the company’s shareholders as “dividends." Learn More The Investment Risk No One’s Ever Heard Of You face a risk for which the market does not compensate you, that can not be easily reduced through diversification. Learn More More information you can use Should You Tap Retirement Savings to Fund College? There are three things to consider before dipping into retirement savings to pay for college. Learn More Social Security: By the Numbers Here are five facts about Social Security that might surprise you. Learn More Behavioral Finance An amusing and whimsical look at behavioral finance best practices for investors. Learn More Should You Tap Retirement Savings to Fund College? There are three things to consider before dipping into retirement savings to pay for college. Learn More Social Security: By the Numbers Here are five facts about Social Security that might surprise you. Learn More Behavioral Finance An amusing and whimsical look at behavioral finance best practices for investors. Learn More Should You Tap Retirement Savings to Fund College? There are three things to consider before dipping into retirement savings to pay for college. Learn More Have a Question? Name Email Question Submit Contact Office: 800-350-4500 Toll-Free: 1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information. Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. ◈ Interior Pages — 24 pages crawledMoney | SageCrest 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Money One of the keys to a sound financial strategy is spending less than you take in, and then finding a way to put your excess to work. A money management approach involves creating budgets to understand and make decisions about where your money is going. It also involves knowing where you may be able to put your excess cash to work. Featured Video The Cost of Procrastination Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time. Have A Question About This Topic? Name Email Address Message Thank you! Oops! How Cash Apps Work Peer-to-peer payment apps are one of the newest ways to send money. A Penny Saved is Two Pennies Earned Here are some simple and inexpensive energy-saving tips that may help you save money. Saving for College 101 Here's a crash course on saving for college. Articles Videos The Half Million Dollar Baby The true cost of raising a child may be far more than you expect. Pay Yourself First It sounds simple, but paying yourself first can really pay off. What to Look for in Personal Finance Apps An increasing number have been developed to help individuals with their personal finances. Data Thieves from Outer Space Learn about the dangers of internet fraud with this highly educational and fun “pulp” comic. Financially Savvy at Six Figures Help your clients with these practical steps to make the most of their six-figure income. Building a Solid Financial Foundation Sustain financial well-being or create wealth through these actions. View all articles The Power of Compound Interest Learn how to harness the power of compound interest for your investments. The Cost of Procrastination Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time. Keeping Up with the Joneses Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff? Saving for College 101 Here's a crash course on saving for college. The Latte Lie and Other Myths Check out this video to begin separating fact from fiction. Surprise! You’ve Got Money! Here’s a quick guide to checking to see if you have unclaimed money. View all videos Articles The Five Basics of Financial Literacy How literate are you when it comes to your finances? Brush up with these five basics. Your Emergency Fund: How Much Is Enough? Having an emergency fund may help alleviate the stress and worry associated with a financial crisis. Buying vs. Leasing a Car Whatever your relationship with your car, it may eventually come time for a new one. Familiarize yourself with your options. Personal Finance Calendar Use this handy calendar to remember the year’s most important financial dates. Data Thieves from Outer Space Learn about the dangers of internet fraud with this highly educational and fun “pulp” comic. Weighing the Benefits of Prepaid Debit Cards It's important to understand the pros and cons when considering a prepaid debit card. View all articles Videos Once Upon a Goal Do you know how to set up your financial goals for success? This knight does. The Power of Compound Interest Learn how to harness the power of compound interest for your investments. Saving for College 101 Here's a crash course on saving for college. Keeping Up with the Joneses Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff? How Cash Apps Work Peer-to-peer payment apps are one of the newest ways to send money. The Cost of Procrastination Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time. View all videos Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   About Us | San Mateo CA | SageCrest Wealth Management 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View About Us Our Mission Statement At SageCrest Wealth Management, our team and our clients work together to realize the power of infinite potential. With true financial planning services and decades of asset management experience, we focus on strategies for growing and preserving wealth so our clients can live the lives they envision. About SageCrest Wealth Management Since 1950, the SageCrest team has focused on building relationships that enable us to deliver two essentials to every client: financial confidence about their financial life, and freedom to spend more time doing what they love. Our clients tell us that they value having long-term partnerships with our advisors, who stand beside them in good times and in volatile times. Helping you stay calm and centered — and guiding you through smart decisions when unplanned changes happen — is a key part of what we do. We'll collaborate with you to streamline the complexities of your finances, build a plan that evolves as your life evolves, and give you confidence in your financial future. And we put a team of specialists to work for you in pursuit of your goals. As true financial planners, our goal isn't to sell you products or services. Instead, the core of our practice is understanding your dreams, your fears, and your priorities — and using our specialization to build a proactive plan that addresses everything that's important to you. Have a Question? Name Email Address Phone Question Send Thank you! Oops! Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   Contact | SageCrest 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Contact Headquarters 1510 Fashion Island Blvd Suite 380 San Mateo, CA 94404 Phone: (650) 573-8525 Fax: (650) 341-1449 Mon-Fri: 8:00 AM - 5:00 PM Sacramento 508 E. 2nd Street Suite 106 Davis , CA 95616 Phone: (916) 883-1300 Mon-Fri: 8:00 AM - 5:00 PM San Jose 521 Charcot Ave. Suite 111 San Jose , CA 95131 Phone: (408) 236-7350 Mon-Fri: 8:00 AM - 5:00 PM Have A Question? Name Email Address Message Thank you! Oops! Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   Social Security: By the Numbers | SageCrest 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Social Security: By the Numbers Here are five facts about Social Security that might surprise you. Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Red Flags for Tax Auditors Here are six flags that may make your tax return prime for an IRS audit. Helpful Retirement Strategies for Women Learn how to address the challenges that women face when planning for retirement. Pullbacks, Corrections, and Bear Markets When the market experiences volatility, it may be a good time to review these common terms. Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   All Calculators | SageCrest 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View All Calculators Retirement Assess Your Life Insurance Needs My Retirement Savings Simple 401k Inflation & Retirement Estimate Your RMD Estate Comparing Mortgage Terms Investment How Long Will Your Money Last? College Savings Comparing Investments What Is My Net Worth? How Compound Interest Works Tax Home Mortgage Deduction Lifestyle How Much Home Can I Afford?   The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG, LLC, to provide information on a topic that may be of interest. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   LPL Financial Advisors | San Mateo CA | SageCrest Wealth Management 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Meet Your Team San Mateo Matthew Bond President & CEO 800-350-4500 (650) 341-1449 [email protected] Cara Banchero Chief Operating Officer 800-350-4500 650-341-1449 [email protected] Neil Fluken, CFP® Director of Financial Planning and Compliance 800-350-4500 ext. 157 (650) 341-1449 [email protected] Jerald Henderson, CFP®, ChFC®, CLU®, CFS Vice President of Investment Operations/Controller 800-350-4500 (650) 341-1449 [email protected] Justin Skelton, CFP®, MBA Wealth Advisor 650-227-0376 (650) 341-1449 [email protected] Marlene Malchow Assistant to Justin Skelton, Wealth Advisor 650-227-0350 (650) 341-1449 [email protected] R. Anthony DiRegolo II, CFP®, CLU®, ChFC® Wealth Advisor 800-350-4500 (650) 341-1449 [email protected] Nolan Ku, CFP®, ChFC® Wealth Advisor 800-350-4500 (650) 341-1449 [email protected] Aaron B. Moore Wealth Advisor 800-350-4500 (650) 341-1449 [email protected] Jennifer DiRegolo Administrative Assistant to R. Anthony DiRegolo II, CFP®, CLU® 800-350-4500 (650) 341-1449 [email protected] Peter Evans, CLU®, ChFC® Wealth Advisor 800-350-4500 (650) 341-1449 [email protected] Rachael Mendez Assistant to Matthew Bond 800-350-4500 650-341-1449 [email protected] Paige Stinnett Assistant to Peter Evans, CLU®, CFP® [email protected] Michael Hughes Palo Alto Capital Management LPL Registered Principal 650-376-6512 [email protected] Joan Hughes Palo Alto Capital Management Assistant to Michael Hughes [email protected] Peter J. Evans Financial Advisor San Jose Robert L. Ostenberg Wealth Advisor (408) 236-7350 ext. 3 408-351-8100 [email protected] Suzanna Morton Administration Support for Robert Ostenberg 408-236-7350 ext. 2 408-351-8100 [email protected] Liz A. Ostenberg Practice Administrator for Robert Ostenberg 408-236-7350 ext. 1 408-351-8100 [email protected] Sacramento Jason C. Heise, CFP®, CLU® Wealth Manager 916-883-1300 650-479-3248 [email protected] Christopher Manzi Wealth Advisor 800-350-4500 (650) 341-1449 [email protected] Jayvee Santos Assistant to Jason Heise, CFP® CLU® 800-350-4500 (650) 341-1449 [email protected] Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   Personal Information Form 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Personal Information Form Name Email Address Message Prohibit the sale of personal information Request copies of personal information Request deletion of personal information Thank you! Oops! Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   Latest Articles | SageCrest 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Latest Articles Retirement Introducing the 530A Accounts 9 Facts About Retirement What to Expect in Your First Year of Retirement Social Security: Maximizing Benefits Who Is Your Trusted Contact? First Year of Retirement: What to Expect Conquering Retirement Challenges for Women Deciding When to Take Social Security Women on the Rise Choosing a Retirement Plan that Fits Your Business Estate Problems with Probate Four Steps to Valuing an Estate Intellectual Property and Your Estate Estate Strategies of the Rich and Famous How Often Should You Update Your Estate Strategy? Estate Management Checklist A Brief History of Estate Taxes Steps to Protecting a Child with Disabilities Investment The Utility of Sector Investing The Anatomy of an Index Alternative Investments - Going Mainstream The Threat of Identity Theft A Primer on Dividends A Taxing Story: Capital Gains and Losses Inflation & Your Money TIPS for Inflation How Stocks Work Mutual Funds vs. ETFs Tax How Income Taxes Work How to Make the Tax Code Work for You Five Most Overlooked Tax Deductions Understanding Marginal Income Tax Brackets What's My 2026 Tax Bracket? Tax & Estate Strategies for Married LGBTQ+ Couples Filing Final Tax Returns for the Deceased What Do Your Taxes Pay For? Do You Owe The AMT? What Is a 1035 Exchange? Money The Half Million Dollar Baby Buying vs. Leasing a Car How Big is Money? Making Sense of HSAs and FSAs Personal Finance Calendar What If Your Kids Decide Against College? The Big Pause What Will You Do With Your Bonus or Windfall? Year-End Charitable Gifting and You Lifestyle A Path to Serenity and Smart Money Choices Prevent a Rift: Money Tips for Newlyweds Fixed or Variable Mortgage, Which Should You Pick? Mastering Mobile Lingo Money Draining Food Myths Changing Unhealthy Behaviors The Financial Literacy Crisis Putting a Price Tag On Your Health How Boomers and Millennials Differ Do Your Kids Know The Value of a Silver Spoon?   Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   Financial Services | San Mateo CA | SageCrest Wealth Management 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Services How We Work Our firm specializes in helping individuals develop sound retirement strategies. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth. We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being. Fee-Based Financial Planning Do You Have a Financial Plan to Help you Work Towards Your Goals? Sagecrest financial planning process is a thorough, yet simple way for you to take the first step in working towards your financial goals. Throughout our process, you and your advisor will develop customized financial strategies […] Learn more Investment Strategies Are You Simply "Invested" or Do You have an Investment Strategy? Your investment portfolio should reflect your tax situation, the time horizon for goal achievement and your tolerance for risk. Only with the knowledge of your personal wealth accumulation goals can a financial professional develop […] Learn more Retirement Services When is the Right Time to Start Preparing for Retirement Income Generation? There was a time when Retirement Services applied only to clients within a decade of leaving the work force. Today, with people changing employment more often and companies’ benefit packages varying greatly, our Retirement […] Learn more Business Solutions Are You Prepared to Transfer the Ownership of Your Business? Even the most successful business owners need to address the critical issues to pass their achievements on to their children, partners or new owners. We can design a strategy required for this complex task, […] Learn more Charitable Giving How Do You Make Your Money Do More? There are two sides to charitable giving. Institutions are constantly searching for future funding sources and individuals are looking for effective means to provide continued support to the organizations that matter to […] Learn more Estate Planning Have You Secured the Transfer of Your Estate? Once you have a solid financial investment strategy, one of the most critical concerns you should consider involves your estate. Our financial professionals will coordinate with your legal and tax professionals to help establish […] Learn more For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you. [email protected] | (650) 573-8525 Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   Estate | SageCrest 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Estate Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective estate strategy can spell out your healthcare wishes and ensure that they're carried out – even if you are unable to communicate. It can even designate someone to manage your financial affairs should you be unable to do so. Featured Video Safeguard Your Digital Estate If you died, what would happen to your email archives, social profiles and online accounts? Have A Question About This Topic? Name Email Address Message Thank you! Oops! Estate Management 101 A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate. Four Steps to Valuing an Estate Determining the value of your estate, or for someone who has passed away, can be a complex undertaking. 4 Elements of an Estate Strategy Learn about the importance of having an estate strategy in this helpful and informative video. Articles Calculators Videos Managing the Risk of Outliving Your Money Steps to help you sustain and grow your retirement savings. A Brief History of Estate Taxes Federal estate taxes have long since been a lucrative source of funding for the federal government. 3 Estate Challenges for Blended Families This article will help your clients with blended families think and prepare their estate strategy. Choosing a Business Structure Entrepreneurs all face the same question, “Which business structure should I adopt?” Put It in a Letter A letter of instruction provides additional and more personal information regarding your estate. White Elephant Inheritance This article deals with how one might deal with a burdensome inheritance. View all articles Comparing Mortgage Terms Compare different mortgage term lengths side by side to find the option that fits your budget. View all calculators When Special Care Is Needed: The Special Needs Trust A special needs trust helps care for a special needs child when you’re gone. Charitable Giving: Smart from the Heart Do you have causes that you want to support with donations? Safeguard Your Digital Estate If you died, what would happen to your email archives, social profiles and online accounts? When Do You Need a Will? When do you need a will? The answer is easy: Right Now. Estate Management 101 A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate. 4 Elements of an Estate Strategy Learn about the importance of having an estate strategy in this helpful and informative video. View all videos Articles A Brief History of Estate Taxes Federal estate taxes have long since been a lucrative source of funding for the federal government. Grantor Retained Annuity Trusts (GRATs) Explaining Grantor Retained Annuity Trusts (GRATs) and their benefit to estate strategy. Intellectual Property and Your Estate Do you have intellectual property? Consider how you might include your IP into your estate strategy in this detailed article. Intellectual Property Rocks in a New Digital Era Intellectual property ownership and its implications for ordinary people and estates. A Primer on Irrevocable Life Insurance Trusts Irrevocable life insurance trusts can be important tools that may accomplish a number of estate objectives. Managing the Risk of Outliving Your Money Steps to help you sustain and grow your retirement savings. View all articles Calculators Comparing Mortgage Terms Compare different mortgage term lengths side by side to find the option that fits your budget. View all calculators Videos When Do You Need a Will? When do you need a will? The answer is easy: Right Now. When Special Care Is Needed: The Special Needs Trust A special needs trust helps care for a special needs child when you’re gone. 4 Elements of an Estate Strategy Learn about the importance of having an estate strategy in this helpful and informative video. Exit Strategies of the Rich and Famous Estate conservation is too important to put off. Do you have a smart exit strategy? Safeguard Your Digital Estate If you died, what would happen to your email archives, social profiles and online accounts? Charitable Giving: Smart from the Heart Do you have causes that you want to support with donations? View all videos Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   LPL Financial Advisors | San Mateo CA | SageCrest Wealth Management 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Welcome to the Ostenberg Financial Team. We are unique, just like each individual’s financial situation. Why choose to PARTNER with us? P ERSONALIZED SERVICE -  We take the time to understand you and your unique financial goals. With that understanding we can provide customized solutions to assist you in pursuing your financial needs. A PPROACH  –  Our comprehensive approach includes analysis of your current financial situation, discussing and establishing long and short-term goals, identifying risks and challenges and developing a personalized plan tailored to your circumstances and preferences. R ESOURCES  -  We have access to financial tools, research and resources to help you make informed decisions as you adapt to your evolving financial situation. T RANSPARENCY  –  We strive for clear and open communication with our partners at all times. We understand that only when you have the most complete and accurate details about your financial plan, potential risks, and performance can you make the most informed decisions about your finances. N AVIGATE  -  We are committed to building long-lasting relationships with our clients, providing ongoing support and guidance as you navigate your financial path.  E XPERIENCE – Our team has extensive experience in financial planning and wealth management to make sure you receive guidance tailored to your specific situation. R EWARDS  –  Bottom line, we love what we do, and couldn’t imagine anything more rewarding than having a hand in our partners reaching their financial milestones. Meet the Ostenberg Financial Team San Jose Robert L. Ostenberg Wealth Advisor (408) 236-7350 ext. 3 408-351-8100 [email protected] Liz A. Ostenberg Practice Administrator for Robert Ostenberg 408-236-7350 ext. 1 408-351-8100 [email protected] Suzanna Morton Administration Support for Robert Ostenberg 408-236-7350 ext. 2 408-351-8100 [email protected] Have a Question? Name Email Address Phone Comments Send Thank you! Oops! Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   Tax Rules When Selling Your Home | SageCrest 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Tax Read Time: 3 min Tax Rules When Selling Your Home How the gains from the sale of a primary residence are taxed has changed in recent years. If you have recently sold your home or are considering doing so, you may want to be aware of these new rules. Home Sale If you owned and lived in your home for two of the last five years before the sale, then up to $250,000 of profit may be exempt from federal income taxes. If you are married and file a joint return, then it doubles to $500,000. 1 To qualify for this exemption, you cannot have excluded the gain on the sale of another home within two years of this sale. Please consult a professional with tax expertise regarding your individual situation. 2 This profit would be excluded from your taxable income. In fact, the sale may not need to be reported unless you receive a Form 1099-S or do not meet the above requirements. If you sold your home at a loss, unfortunately, you can't deduct the loss. There Are Exceptions Even if you do not meet the above requirements, you may qualify for this exclusion: If you receive the house in a divorce settlement If you are able to count short-term absences as time lived in the house If a surviving spouse who has not remarried can count the time that the deceased spouse lived in the house. 1 The five-year test period can also be suspended for up to ten years in cases where any spouse has served on "qualified official extended duty" as a member of the military, foreign service, or federal intelligence agencies. 1 Even if you don't pass the five-year rule test, a reduced exclusion may be available if you have a change in employment or health, or because of unforeseen circumstances, such as divorce or multiple births from a single pregnancy. Please speak with a professional with tax expertise regarding your situation. 1. IRS.gov, 2025 2. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG, LLC, is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite. Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Trends in Charitable Giving Some people may want a more advanced gifting strategy that can maximize their gift and generate potential tax benefits. A Primer on Irrevocable Life Insurance Trusts Irrevocable life insurance trusts can be important tools that may accomplish a number of estate objectives. Mastering Mobile Lingo Do you understand these common mobile slang terms? Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   What to expect 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View What to expect Here's how we'll help you work towards your destination. Our relationship begins with a conversation — one that continues through every phase of your life.  During your working years, your plan will be oriented toward accumulating wealth as well as helping to preserve it by managing risk. When you're ready to retire, our strategies shift toward ways to convert the wealth you've built into retirement income and, eventually, into a legacy for your heirs and charitable beneficiaries.  All along the way, we're monitoring your progress toward your goals and making updates to your plan when needed. The SageCrest financial planning process Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   A Primer on Dividends | SageCrest 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Investment Read Time: 3 min A Primer on Dividends When looking for income-generating investments, some investors turn to dividend-yielding stocks. When a company makes a profit, that money can be put to two uses: It can be reinvested in the business. It can be paid out to the company's shareholders in the form of a dividend, a taxable disbursement typically made quarterly or monthly. Dividend Ratios Investors track dividend-yielding stocks by examining a pair of ratios. 1 Dividend per share measures how much cash an investor is scheduled to receive for each share of dividend-yielding stock. It is calculated by adding up the total dividends paid out over a year (not including special dividends) and dividing by the number of shares of stock that are outstanding. Dividend yield measures how much cash an investor is scheduled to receive for each dollar invested in a dividend-yielding stock. It is calculated by dividing the dividends per share by the share price. Other Dividend Considerations Investing in dividend-paying stocks can create a stream of taxable income. But the fact that a company is paying dividends is only one factor to consider when choosing a stock investment. Dividends can be stopped, increased, or decreased at any time. This is unlike interest from a corporate bond, which is normally a set amount determined and approved by a company's board of directors. If a company is experiencing financial difficulties, its board may reduce or eliminate its dividend for a period of time. If a company is outperforming expectations, it may boost its dividend or pay shareholders a special one-time payout. When considering a dividend-yielding stock, focus first on the company's cash position. Companies with a strong cash position may be able to pay their scheduled dividend without interruption. Many mature, profitable companies are in a position to offer regular dividends to shareholders as a way to attract investors to the stock. Qualified dividends are taxed at a maximum rate of 20%. Ordinary dividends are taxed at the same rate as federal income taxes, or between 10% and 37%. State income taxes also may apply. 2 Be cautious when considering investments that pay a high dividend. While past history cannot predict future performance, companies with established histories of consistent dividend payment may be more likely to continue that performance in the future. In a period of low interest rates, investors who want income may want to consider all their options. Dividend-yielding stocks can generate taxable income, but like most investments, they should be carefully reviewed before you commit any dollars. Keep in mind that the return and principal value of stock prices will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost. The information in this article is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. 1. Investopedia.com, July 28, 2025 2. Investopedia.com, January 22, 2025 The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite. Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content The Five Basics of Financial Literacy How literate are you when it comes to your finances? Brush up with these five basics. Estimating the Cost of College This worksheet can help you estimate the costs of a four-year college program. Steps to Protecting a Child with Disabilities Planning for children with special needs can be confusing but by working together, we can help navigate those challenges. Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   The Investment Risk No One’s Ever Heard Of | SageCrest 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Investment Read Time: 3 min The Investment Risk No One’s Ever Heard Of Knowledgeable investors are aware that investing in the capital markets presents any number of risks, including interest rate risk, company risk, and market risk. Risk is an inseparable companion to the potential for long-term growth. Some of the investment risks we face can be mitigated through diversification. 1 As an investor, you face another, lesser-known risk for which the market does not compensate you, nor can it be easily reduced through diversification. Yet, it may be the biggest challenge to the sustainability of your retirement income. This risk is called the sequence of returns risk. The sequence of returns risk refers to the uncertainty of the order of returns an investor will receive over an extended period of time. As Milton Friedman once observed, you should, “never try to walk across a river just because it has an average depth of four feet.” Sequence of Returns Mr. Freidman’s point was that averages may hide dangerous possibilities. This is especially true with the stock market. You may be comfortable that the market will deliver its historical average return over the long-term, but you can never know when you will be receiving the varying positive and negative returns that comprise the average. The order in which you receive these returns can make a big difference. For instance, a hypothetical market decline of 30% is not to be unexpected. However, would you rather experience this decline when you have relatively small retirement savings or at the moment you are ready to retire – when your savings may never be more valuable? Without a doubt, the former scenario is preferable, but the timing of that large potential decline is out of your control. Timing, Timing, Timing The sequence of returns risk is especially problematic while you are in retirement. Down years, in combination with portfolio withdrawals taken to provide retirement income, have the potential to seriously damage the ability of your savings to recover sufficiently, even as the markets fully rebound. If you are nearing retirement or already in retirement, it’s time to give serious consideration to the “sequence of returns risk” and ask questions about how you can better manage your portfolio. 1. Diversification is an approach to help manage investment risk. It does not eliminate the risk of loss if security prices decline. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite. Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content How to Bake a Pie-R-A Roth IRAs are tax-advantaged differently from traditional IRAs. Do you know how? What Is a Roth 401(k)? Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA. Succeeding at Business Succession There are a number of reasons for business owners to consider a business succession plan sooner rather than later. Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . 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The Power of Compound Interest Learn how to harness the power of compound interest for your investments. Should You Invest in Exchange Traded Funds? There are thousands of ETFs available. Should you invest in them? Where Is the Market Headed? We all know the stock market can be unpredictable. We all want to know, “What’s next for the financial markets?” Retiring the 4% Rule A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement. When Do You Need a Will? When do you need a will? The answer is easy: Right Now Useful Links | San Mateo CA | SageCrest Wealth Management 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Useful Links We’ve provided you with a list of helpful links to help you find information that interests you. If there are other links you believe would be useful, email us to let us know.  Market News CNNfn TheStreet.com The Wall Street Journal Forbes.com Barron's Online Fortune.com Financial Calculators Kiplinger Tools Stock Information Zacks.com Investor's Business Daily MSN MoneyCentral Market Information NASDAQ New York Stock Exchange Featured Content Weighing the Benefits of Prepaid Debit Cards It's important to understand the pros and cons when considering a prepaid debit card. Learn More Women and Financial Strategies Most women don’t shy away from the day-to-day financial decisions, but some may be leaving their future to chance. Learn More The Business Cycle How will you weather the ups and downs of the business cycle? Learn More Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   Should You Tap Retirement Savings to Fund College? | SageCrest 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Should You Tap Retirement Savings to Fund College? There are three things to consider before dipping into retirement savings to pay for college. Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content A Checklist for When a Spouse or Parent Passes An overview of some fundamental steps when a loved one passes. Year-End Charitable Gifting and You This article may help you maximize the benefits of your donation for your chosen charity. Why Medicare Should Be Part of Your Retirement Strategy How Medicare can address health care needs in your retirement strategy. Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   Lifestyle | SageCrest 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Lifestyle Creating a life map involves a close review of personal finances and an assessment of other building blocks. Lifestyle matters look at how to balance work and leisure, how to make smart choices for the future, and many other items in an effort to help an individual “enjoy the journey.” Featured Video Surprises Making the most of surprises is a great reason to work with us. Have A Question About This Topic? Name Email Address Message Thank you! Oops! An Arm and a Leg A visit to the hospital can be painful, for both your body and your wallet. Don't let it be more painful than it has to be. A House Divided By understanding a few key concepts during a divorce, you may be able to avoid common pitfalls. It May Be Time for a Financial Checkup It’s never a bad time to speak with your financial professional about changes in your situation. Articles Calculators Videos Avoiding Cognitive Decline Try these activities to keep your brain sharp. Personal Finance Tips for Military Families Military families face unique challenges, making personal finance even more critical. Mastering Mobile Lingo Do you understand these common mobile slang terms? Do Your Kids Know The Value of a Silver Spoon? You taught them how to read and how to ride a bike, but have you taught your children how to manage money? How Boomers and Millennials Differ The YOLO Economy is a focus on experiences over material possessions, prompting Boomers to consider a similar mindset. Debt Stress There’s a link between debt and stress. View all articles How Much Home Can I Afford? Estimate how much home may fit within your budget based on income and expenses. View all calculators It May Be Time for a Financial Checkup It’s never a bad time to speak with your financial professional about changes in your situation. Forecast This short video helps explain why markets can be as unpredictable as the weather. The Richest Man in Babylon In good times and bad, consistently saving a percentage of your income is a sound financial practice. A New Way to Look at Your Bucket List Bucket lists don’t have to be for tomorrow. An Arm and a Leg A visit to the hospital can be painful, for both your body and your wallet. Don't let it be more painful than it has to be. Consider These 3 Things Before Driving Off the Lot Here are 3 quick tips to keep in mind when buying or leasing your next vehicle. View all videos Articles Creative Ways to Motivate Your Employees Five creative (and inexpensive) ideas for motivating your employees. A Path to Serenity and Smart Money Choices An article about meditation, mindfulness, and financial well-being. Financial Aid for Students 101 Help your college-bound child explore scholarships, grants, and more with this article on paying for higher education. Putting a Price Tag On Your Health Being healthy not only makes you feel good, it may also help you financially. Debt Stress There’s a link between debt and stress. A House Divided By understanding a few key concepts during a divorce, you may be able to avoid common pitfalls. View all articles Calculators How Much Home Can I Afford? Estimate how much home may fit within your budget based on income and expenses. View all calculators Videos An Arm and a Leg A visit to the hospital can be painful, for both your body and your wallet. Don't let it be more painful than it has to be. Surprises Making the most of surprises is a great reason to work with us. Forecast This short video helps explain why markets can be as unpredictable as the weather. Consider These 3 Things Before Driving Off the Lot Here are 3 quick tips to keep in mind when buying or leasing your next vehicle. Choosing a Mortgage Selecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions. A New Way to Look at Your Bucket List Bucket lists don’t have to be for tomorrow. View all videos Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   Investment | SageCrest 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Investment Investing should be easy – just buy low and sell high – but most of us have trouble following that simple advice. There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors. Featured Video From Boats to Brokers From the Dutch East India Company to Wall St., the stock market has a long and storied history. Have A Question About This Topic? Name Email Address Message Thank you! Oops! Jane Bond: Scaling the Ladder Agent Jane Bond is on the case, uncovering the mystery of bond laddering. How Stocks Work Understanding how a stock works is key to understanding your investments. The Junk Drawer Approach to Investing It's easy to let investments accumulate like old receipts in a junk drawer. Articles Calculators Videos Don’t Be Your Own Worst Enemy Emotional biases can adversely impact financial decision making. Here’s a few to be mindful of. The Utility of Sector Investing Successful sector investing is dependent upon an accurate analysis about when to rotate in and out. Global vs. International: What’s the Difference? International funds invest in non-U.S. markets, while global funds may invest in U.S. stocks alongside non-U.S. stocks. Key Money Moments: 4 Times You Should Talk to a Pro Life happens fast, and your finances can take a backseat if you’re not careful. Is it time to check in with a financial professional? This infographic will help you examine your own financial situation and decide if it’s time to step up your financial game. Are You Ready for Your Portfolio to Make a Difference? Learn about the rise of Impact Investing and how it may benefit you. You Would Rather Be... Are you a thrill seeker, or content to relax in the backyard? Use this flowchart to find out more about your risk tolerance. View all articles How Compound Interest Works Explore how compound interest can grow your money over time with this interactive tool. College Savings See how much you may need to save now to cover future college costs for your child. How Long Will Your Money Last? See how long a lump sum of savings could last based on your withdrawal rate and return. What Is My Net Worth? Get a snapshot of your overall financial picture by calculating your total net worth. Comparing Investments Compare two different scenarios side by side to see how they stack up over time. View all calculators Inflation and Your Portfolio Even low inflation rates can pose a threat to investment returns. The Junk Drawer Approach to Investing It's easy to let investments accumulate like old receipts in a junk drawer. The Business Cycle How will you weather the ups and downs of the business cycle? Bridging the Confidence Gap In the world of finance, the effects of the "confidence gap" can be especially apparent. The Real Cost of a Vacation Home What if instead of buying that vacation home, you invested the money? Finding the Balance The sandwich generation faces unique challenges. For many, meeting needs is a matter of finding a balance. View all videos Articles The Pros and Cons of an NUA Strategy Learn the advantages of a Net Unrealized Appreciation strategy with this helpful article. How Stocks Work Understanding how a stock works is key to understanding your investments. Inflation & Your Money It's important to understand how inflation is reported and how it can affect investments. Alternative Investments - Going Mainstream Alternative investments are going mainstream for accredited investors. It’s critical to sort through the complexity. Value vs. Growth Investing Among stock-market investors there’s long been a debate between those who favor value and those who favor growth. Earnings for All Seasons Earnings season can move markets. What is it and why is it important? View all articles Calculators College Savings See how much you may need to save now to cover future college costs for your child. Comparing Investments Compare two different scenarios side by side to see how they stack up over time. How Compound Interest Works Explore how compound interest can grow your money over time with this interactive tool. How Long Will Your Money Last? See how long a lump sum of savings could last based on your withdrawal rate and return. What Is My Net Worth? Get a snapshot of your overall financial picture by calculating your total net worth. View all calculators Videos The Rule of 72 Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out. Jane Bond: Infiltrating the Market Agent Jane Bond is on the case, cracking the code on bonds. From Boats to Brokers From the Dutch East India Company to Wall St., the stock market has a long and storied history. Inflation and Your Portfolio Even low inflation rates can pose a threat to investment returns. What Can a Million Dollars Buy You? $1 million in a diversified portfolio could help finance part of your retirement. The Cycle of Investing Understanding the cycle of investing may help you avoid easy pitfalls. View all videos Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   Retirement | SageCrest 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Retirement Where will your retirement money come from? If you’re like most people, qualified-retirement plans, Social Security, personal savings and investments are expected to play a role. Once you have estimated the amount of money you may need for retirement, a sound approach involves taking a close look at your potential retirement-income sources. Featured Video 18 Years Worth of Days The average retirement lasts for 18 years. What will you do with your days? Have A Question About This Topic? Name Email Address Message Thank you! Oops! A Bucket Plan to Go with Your Bucket List A bucket plan can help you be better prepared for a comfortable retirement. Is a Variable Annuity Right for Me? Pundits go on and on about how “terrible” or “wonderful” annuities are, but they never talk about if annuities are right. The Long Run: Women and Retirement For women, retirement strategy is a long race. It’s helpful to know the route. Articles Calculators Videos Conquering Retirement Challenges for Women Looking ahead can help you conquer these unique obstacles. Buying a Vacation Home? 5 Questions to Consider First You may be considering purchasing a vacation property, this can be an exciting milestone, but there are a few things to consider first. Split Annuity Strategy Here's one strategy that combines two different annuities to generate income and rebuild principal. Where Will Your Retirement Money Come From? Retirement income may come from a variety of sources. Here's an overview of the six main sources. Social Security Fairness Act's New Chapter Learn how the Social Security Fairness Act boosts benefits for eligible public sector workers and their families. Healthcare Costs in Retirement Without a solid approach, healthcare expenses may add up quickly and potentially alter your spending. View all articles Inflation & Retirement See how inflation over time could affect the purchasing power of your retirement income. My Retirement Savings See how your current savings rate and contributions may grow into retirement income. Simple 401k See how increasing your 401(k) contributions today could affect your balance at retirement. Estimate Your RMD Calculate your required minimum distribution amount based on your account balance and age. Assess Your Life Insurance Needs Estimate how much life insurance coverage may be appropriate for your situation. View all calculators The Power of Tax-Deferred Growth Why are 401(k) plans, annuities, and IRAs so popular? Retirement Accounts When You Change Your Job This video explores what to do with retirement accounts when you move on from your job. A Bucket Plan to Go with Your Bucket List A bucket plan can help you be better prepared for a comfortable retirement. Risk Tolerance: What’s Your Style? Learn about what risk tolerance really means in this helpful and insightful video. Dreaming Up an Active Retirement When you retire, how will you treat your next chapter? Encore Careers: Push Your Boundaries Ready for retirement? Find out why many are considering encore careers and push your boundaries into something more, here. View all videos Articles Caring for Aging Parents As our nation ages, many Americans are turning their attention to caring for aging parents. Who Is Your Trusted Contact? This investment account question is vital and answered as early as possible. Retiring Earlier Than Expected? What To Know Retiring earlier than expected can be disheartening. Learn steps that can help you smoothe the road ahead. Social Security Fairness Act's New Chapter Learn how the Social Security Fairness Act boosts benefits for eligible public sector workers and their families. Systematic Withdrawals in Retirement Taking regular, periodic withdrawals during retirement can be quite problematic. When Should You Take Social Security Monthly Social Security payments differ substantially depending on when you start receiving benefits. View all articles Calculators Estimate Your RMD Calculate your required minimum distribution amount based on your account balance and age. My Retirement Savings See how your current savings rate and contributions may grow into retirement income. Simple 401k See how increasing your 401(k) contributions today could affect your balance at retirement. Inflation & Retirement See how inflation over time could affect the purchasing power of your retirement income. Assess Your Life Insurance Needs Estimate how much life insurance coverage may be appropriate for your situation. View all calculators Videos A Fruitful Retirement: Social Security Benefit Taking your Social Security benefits at the right time may help maximize your benefit. How to Bake a Pie-R-A Roth IRAs are tax-advantaged differently from traditional IRAs. Do you know how? Retirement and Quality of Life Asking the right questions about how you can save money for retirement without sacrificing your quality of life. Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Retirement Accounts When You Change Your Job This video explores what to do with retirement accounts when you move on from your job. Risk Tolerance: What’s Your Style? Learn about what risk tolerance really means in this helpful and insightful video. View all videos Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   Behavioral Finance | SageCrest 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Behavioral Finance An amusing and whimsical look at behavioral finance best practices for investors. Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Pullbacks, Corrections, and Bear Markets When the market experiences volatility, it may be a good time to review these common terms. Where Is the Market Headed? We all know the stock market can be unpredictable. We all want to know, “What’s next for the financial markets?” The Real Cost of a Vacation Home What if instead of buying that vacation home, you invested the money? Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   What we offer 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View What we offer A personalized approach tailored to your unique goals and needs It's easy to find a financial advisor who'll make you a plan. It's much harder to find an advisor who builds you a personalized financial plan without trying to sell you something.  While many advisors offer a discount on building a plan if you have them manage your assets, we keep the two offerings separate. As an independent, fee-based firm, we're not tied to proprietary products or limited in the services we offer.  We act as a true fiduciary for our advisory clients, offering and explaining multiple options that we believe will work well for you. Our expert guidance, combined with your power to choose, results in a plan that's completely customized for your goals, risk tolerance, and time horizon.  Your plan covers all of the financial issues that your family could face, from making major purchases to mitigating risk to leaving a legacy. And you can leave the execution to us: We'll coordinate the work of all the professionals — your accountant, estate planning attorney, banker, and others — who are part of putting your plan into action.  If you choose SageCrest to manage your wealth after your plan is complete, we'll collaborate with you on strategies to help you keep more of what you've worked so hard to earn. Over the years, we’ve guided our clients through up markets and down markets — always with an independent perspective, a steady hand, and a view toward the long term. Financial planning The process of building your custom financial plan is the first step in working toward achieving your goals. Your plan is based on your total financial picture: your current assets and liabilities, work situation and retirement goals, charitable giving, tax efficiency, and wishes for your estate. It's also grounded in your values, beliefs, and priorities. All of these factors inform your plan and help us create a set of clear financial goals for your short term and long term. Retirement planning: Living the life you envision in retirement means starting to plan early. We'll talk about when you hope to retire and the amount of income you'd like to have. We also explore the amount you’re willing to save and invest today, while you're working; the amount of risk that feels comfortable; and what you hope to pass on to your family and the causes that are important to you. Then, we’ll make a road map that takes all of these factors into account. Business succession planning: Whether you plan to sell your business or hand it over to the next generation, planning for the transition of a family business can be a complex and emotional task. We work closely with you to strike the right balance among your goals for your family, partners, and employees, and to make a plan that anticipates and avoids potential conflicts. A thoughtful succession plan lets you stay focused on your business with the knowledge that you'll be ready when the time comes to transition. Estate planning: We consider an estate plan to be your path toward financial confidence  you'll provide the appropriate benefit to the people about whom you care most. Our specialists coordinate with your legal and tax advisors to build a comprehensive plan that avoids probate costs and covers your will, trusts, business ownership, beneficiaries, and more. We offer strategies to help you address  the needs of your business, provide for your family, and help minimize estate taxes. Charitable giving: To ensure that your gifts do the most possible good for the organizations you support, we'll help you plan your philanthropy. We'll talk about your goals and objectives and the vehicles that can help you meet them, including donor-advised funds, trusts, and gifts of life insurance or appreciated assets. We'll work with your legal and tax advisors so that your giving delivers valuable impact for your beneficiary organizations while reducing your tax liabilities. Investment services There's no such thing as a perfect investment — but there's definitely such a thing as an investment portfolio that's built just for you. We consider ourselves risk managers rather than stock pickers, so we develop your portfolio with the aim of getting you to your goals while reducing your level of risk. Sophisticated investment planning tools and market-leading research from our partners at LPL Financial help us select a mix of investment types that you’re comfortable with and that track most closely with your goals. Your portfolio might include mutual funds; fixed, indexed, and variable life insurance and annuities; investment advisory programs; brokerage accounts, exchange-traded funds (ETFs); and individual securities. Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.   Tax | SageCrest 1510 Fashion Island Blvd, Suite 380, San Mateo, CA 94404 (650) 573-8525 Account View Menu Home About   About SageCrest Meet Your Team Ostenberg - San Jose Services Useful Links Contact Account View Tax Understanding tax strategies and managing your tax bill should be part of any sound financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts. Featured Video Making Your Tax Bracket Work Have you explored all your options when it comes to managing your taxable income? Have A Question About This Topic? Name Email Address Message Thank you! Oops! The Facts About Income Tax Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you. What If You Get Audited? The chances of an IRS audit aren't that high. And being audited does not necessarily imply that the IRS suspects wrongdoing. Filing Final Tax Returns for the Deceased The federal government requires deceased individuals to file a final income tax return. Articles Calculators Videos You May Need to Make Estimated Tax Payments If… Have income that isn’t subject to tax withholding? Or insufficient withholdings? You may have to pay estimated taxes. Tax & Estate Strategies for Married LGBTQ+ Couples Learn how to maximize your tax and estate strategy as a married member of the LGBTQ+ community. Counteracting Capital Gains with Tax-Loss Harvesting You may have heard the phrase "tax-loss harvesting." A financial professional may be able to provide some guidance. Tax Deductions You Won't Believe Here are some examples of deductions from the IRS that were permitted and some that were, uh, too creative. Red Flags for Tax Auditors Here are six flags that may make your tax return prime for an IRS audit. Filing Final Tax Returns for the Deceased The federal government requires deceased individuals to file a final income tax return. View all articles Home Mortgage Deduction Use this calculator to assess the potential benefits of a home mortgage deduction. View all calculators The Facts About Income Tax Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you. Making Your Tax Bracket Work Have you explored all your options when it comes to managing your taxable income? View all videos Articles Do You Owe The AMT? If you want to avoid potential surprises at tax time, it may make sense to know where you stand when it comes to the AMT. How to Make the Tax Code Work for You When you take the time to learn more about how it works, you may be able to put the tax code to work for you. Filing Final Tax Returns for the Deceased The federal government requires deceased individuals to file a final income tax return. Red Flags for Tax Auditors Here are six flags that may make your tax return prime for an IRS audit. How Income Taxes Work A quick look at how federal income taxes work. What Is a 1035 Exchange? 1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability. View all articles Calculators Home Mortgage Deduction Use this calculator to assess the potential benefits of a home mortgage deduction. View all calculators Videos Making Your Tax Bracket Work Have you explored all your options when it comes to managing your taxable income? The Facts About Income Tax Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you. View all videos Contact Office:  800-350-4500 Toll-Free:  1-800-350-4500 Fax: (650) 341-1449 1510 Fashion Island Blvd. Suite 380 San Mateo, CA 94404 [email protected] Quick Links Retirement Investment Estate Tax Money Lifestyle Latest Articles All Videos All Calculators LPL Financial Form CRS Check the background of your financial professional on FINRA's BrokerCheck . The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information . Copyright 2026 FMG Suite.  SageCrest Wealth Management is independently owned and operated. The financial consultants of SageCrest Wealth Management are registered representatives with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC . The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.