TEG Retirement & Advisory Services – Plan Ahead for the Holiday Budget Crunch

Every year, millions of Americans celebrate the holidays with traditions such as throwing parties and buying gifts for family and friends. Unfortunately, many also participate in a tradition that lands them in debt -- spending more than they can afford. This year, break the buy-now, worry-later habit by [...]

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TEG Retirement & Advisory Services – Five Strategies for Tax-Efficient Investing

As just about every investor knows, it's not what your investments earn, but what they earn after taxes that counts. After factoring in federal income and capital gains taxes, the alternative minimum tax, and any applicable state and local taxes, your investments' returns in any given year may [...]

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TEG Retirement & Advisory Services – Is a Trade Deal Still Possible?

We’re a week into August, and trade tensions have been the biggest driver of U.S. stocks, as we predicted in our latest Weekly Market Commentary. Markets don’t like uncertainty, and we are getting a heavy dose of it now. On August 5, the S&P 500 Index notched its worst [...]

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TEG Retirement & Advisory Services – U.S. Yields and a Rate Cut

It could be a momentous week for U.S. monetary policy and the Treasury yield curve. The Federal Reserve (Fed) is expected to cut its policy interest rate for the first time in 10 years July 31. As shown in the LPL Chart of the Day, Investors Brace for [...]

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TEG Retirement & Advisory Services – Five Things to Do Before Meeting With an Advisor

Americans' financial lives are increasingly complex. It's not unusual to have checking and savings accounts, a 401(k), IRAs, and other personal investments. Keeping track of all your savings and investments has prompted many individuals to seek guidance. If you are part of this growing majority, you may have [...]

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TEG Retirement & Advisory Services – Smart Financial Moves in Your 40s and 50s

These crucial years call for action. Today, retirement may seem nearer to you than it once did. The following moves might be worth making—and soon. Catch-up contributions to your retirement accounts. Starting in the year you turn 50, you may make a total of $1,000 in catch-up contributions [...]

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TEG Retirement & Advisory Services – Staying on Track with Your Retirement Investments

Investing for your retirement isn't about getting rich quick. More often, it's about having a game plan that you can live with over a long time. You wouldn't expect to be able to play the piano without learning the basics and practicing. Investing for your retirement over the long [...]

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New Branch Block Party

Cupcake and Confetti

You're invited! Join us at our Crystal Run Branch on Thurs, April 25 from 4 - 6:30 pm  Have you heard the good news? TEG has opened the doors of our brand new branch located at 140 Crystal Run Road, Middletown, NY 10941. That’s right across from the [...]

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Free Shred Event

Box of shredded paper

Shred your unwanted papers at the Route 9 Branch on Saturday, April 20 from 9 AM - 12 PM Safeguard against identity theft and fraud by shredding your important documents that you no longer need. Date: Saturday, April 20, 2019 Location: Route 9 Branch 1145 Route 9 Wappingers Falls, NY [...]

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TEG to Award Three $1,000 Scholarships

Students have a chance to win a $1,000 scholarship from TEG to help with their college education expenses. The TEG Joyce A. Betros Scholarship will be awarded to three high school seniors who have demonstrated high academic excellence and community service throughout their high school careers. The scholarships [...]

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Health Insurance for College Students

Mother and Son

Author Kimberly Lankford Young adults can stay on the family health policy until age 26. But if they go away to college and are outside the insurer's network of doctors, families need to reconsider their insurance options. Q: My son is about to graduate from high school and will [...]

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Smart Financial Planning Strategies to Borrow from Women and Millennials

Young women

Author Jean Chatzky We have so much to learn — but so did they. Here’s what they’re doing right. Lately the headlines in personal finance have been pretty bleak — the average 2017 graduate has nearly $40,000 in student loans, millennial homeownership is down, and 39 percent of Americans have no [...]

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How 2006 Changed the Internet

FB vs Twitter

Author Seth Fiegerman During a six-month period in 2006, two pivotal events helped upend the internet as we knew it: Twitter launched in March and Facebook announced News Feed in September. The two services introduced the social media news feed to a mass audience, changing how we engage [...]

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11 Financial Moves Every New Parent Should Make

Baby between parents

Author Janet Berry-Johnson What’s one thing you wish you’d known about being a parent before you became one? For me, it’s just how expensive having a child can be. When my son was born over six years ago, I knew our expenses would go up, even though we [...]

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The Biggest Mistake Small-Business Owners Make


Author Alexandra Lozano Many people who decide to open up a new business see it as a way for them to be able to do the work that they are passionate about. For example, a chiropractor or a lawyer opens her own practice so that she can do [...]

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How solid is your succession plan?


Too few business owners give succession planning the kind of consideration they do other aspects of their businesses. Author Kent Bernhard Joe ran an injection molding company, the largest employer in the rural town where he lived. When he met business transition expert Lisë Stewart, he was 79, [...]

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How Much Money Do You Really Need to Retire?

Financial planning tips

Consider this your financial planning cheat sheet. Author Marianne Hayes Are you on track for retirement? Before you try to answer that question, consider this: The average 65- to 74-year-old, it turns out, spends close to $49,000 a year. If you're wondering if your nest egg is ready [...]

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6 Common Myths About Estate Planning


Sort through the misconceptions of estate planning to create a prosperous future for your family. Author Rachel Hartman While it may be a task that's low on your to-do list, estate planning can provide guidance for your loved ones in the future. It will also give you a [...]

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U.S. Trade Deficit Widens


The goods and services deficit was $53.1 billion in December 2017, up $2.7 billion from $50.4 billion in November 2017, revised, according to a new report from the government. December exports were $203.4 billion, $3.5 billion more than November exports. December imports were $256.5 billion, $6.2 billion more [...]

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Work Stoppages Near Historic Low

BLS New Graphic

There were a total of seven work stoppages 2017, according to the U.S. Bureau of Labor Statistics. Since the series began in 1947 this is the second lowest number of major work stoppages recorded in a year, the lowest annual total was five in 2009. Major work stoppages [...]

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