Our Difference

– Dedicated to developing lasting relationships with our clients –

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Our approach to delivering comprehensive financial services always starts and ends with you, our client. We begin this process by listening to you and discussing your lifestyles, goals, wishes, dreams and some of the life transitions that you may be going through. Through our consultative process, we then learn the details of your financial picture so we can construct and deliver a customized plan along with your personal Financial Action Checklist.

Investment Concepts, Inc. Elite Advantage: To attempt to eliminate economic and financial uncertainty from your life.

We then schedule to meet with you on a regular basis to discuss and update your financial situation. We pride ourselves in our constant calendars of client services and regular client communications to keep you informed of economic news and appropriate tax law and estate planning rule updates. These include:


*SagePoint Financial, Inc. does not offer tax or legal advice.

The information being provided is strictly as a courtesy. When you link to any of these web-sites provided here, you are leaving this site. Investment Concepts, Inc. and SagePoint Financial, Inc., make no representation as to the completeness or accuracy of information provided at these sites. Nor are the companies liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information and programs made available through this site. When you access one of these sites, you are leaving Investment Concepts Inc., website and assume total responsibility and risk for your use of the sites you are linking to.

Should I speak to a financial planner?

If you've ever asked some or all of the following investment-related questions, then you may want to consider speaking to a financial planner:

  • Does my investment portfolio match my risk tolerance?
  • Is my investment portfolio properly allocated or do I need to diversify?
  • Do I understand all the costs associated with my investment portfolio?
  • What if 2016 were to repeat itself? Would I be ready?
  • Am I maximizing my employer’s contribution to my 401(k) plan?
  • Should I be investing in a Traditional or Roth IRA?
  • If so, am I eligible to contribute and which one is right for me?
  • What is the benefit of tax deferral?
  • If I am investing with after-tax dollars, what is my true rate of return (tax-equivalent yield)?
  • How much will it cost for my child to attend college?
  • What are the different ways to save for college?
  • Should I be purchasing long-term care insurance?
  • When will I be able to retire?
  • Am I saving enough for retirement?
  • Will I outlive my retirement savings?
  • How will inflation affect my retirement?
  • How can I minimize my taxes in retirement and for my heirs?
  • If I didn’t begin saving early, can I still retire?
  • How should I manage my retirement savings as I near retirement?
  • What is the optimum age to elect social security benefits?
  • Will I need supplemental insurance when I elect Medicare?
  • What are the different parts of Medicare?
  • Will I have to take a required minimum distribution from my IRAs and 401(k)? If so, when and how much?

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