Financial Planning
We offer clients fee-based financial planning services that are customized to meet the unique needs of each individual client. Based on the client’s needs, the financial plan may encompass one or more of the objectives listed below:
Health Care Cost Planning in Retirement (Medicare, COBRA, ACA)
Roth Conversion Strategy
Backdoor Roth IRA Contributions
Tax Planning
Trust & Estate Planning
Long-term Care Planning
Inheritance Planning (Receiving)
Investment Allocation Review & Recommendations
Insurance Analysis
Cash Flow Optimization & Budgeting
Business Owner Planning (Self-employed)
Options and Restricted Stock Exercise Strategy
Executive Deferred Compensation Plan Guidance
State of Domicile Change / Moving in Retirement
Real Estate Decisions / Investment Real Estate
College & FAFSA Planning
Divorce Planning
Note: Some of the financial planning topics listed above are hyperlinks. You can click on them to learn more about our planning services within each topic.
For our clients that live outside of the Capital Region, we use Zoom video conferencing and screen-sharing software to meet with our clients in a virtual setting. Our virtual clients are able to access the video conferencing feature via an easy-to-use app on their iPad, smartphone, laptop, or desktop computer.
Virtual Financial Planning Services
For clients that live outside of the Capital Region, we designed a virtual financial planning platform that provides our clients with:
Access to an experienced CFP®
Easy access to video conferencing
Meeting in the comfort of your own home or office
Fee based services
“Found Michael Ruger’s YouTube and blog post regarding inherited IRA’s. He gave a more clear and understanding explanation of the 10-year Rule and Designated Eligible Beneficiaries. His posts are more current than any others I found. Michael also responded to my inquiry within 24 hours; which surprised me since I was expecting a later response since I sent my message so close to April 15, assuming he would be busy assisting his paying clients in preparation of tax day and with questions regarding the current bouncing of the stock markets. ⭐⭐⭐⭐⭐”
This endorsement provided for Greenbush Financial Group, LLC on Google Review was made by a non-client, and it was a non-paid review. This non-client was solicited by Greenbush Financial Group, LLC to provide the endorsement.
“Mr. Michael Ruger’s explanations of certain financial situations on the Greenbush Financial website are invaluable! This information is publicly available and well worth the read. After reading several articles, I had some unanswered questions about my particular situation. I reached out to him directly and he was gracious enough to respond in writing immediately! Although I live on the opposite side of our country, if I ever have need of his services, I would not hesitate to contact him. Very professional, thorough, knowledgeable and gracious. ⭐⭐⭐⭐⭐”
This endorsement provided for Greenbush Financial Group, LLC on Google Review was made by a non-client, and it was a non-paid review. This non-client was solicited by Greenbush Financial Group, LLC to provide the endorsement.
“Very knowledgeable investment advisors, who are great to work with. They are always happy happy to answer questions and their YouTube videos are incredibly informative. I highly recommend you take a look if you are in search of a new investment team or are just looking for the first time! ⭐⭐⭐⭐⭐”
This testimonial provided for Greenbush Financial Group, LLC on Google Review was made by a client, and it was a non-paid review. This client was solicited by Greenbush Financial Group, LLC to provide the testimonial.
“We have worked with this firm for 4 years. They have assisted us with pre and post retirement planning. The Greenbush team is reliable and responsive to all of our questions. They are proactive in the market conditions and have grown our portfolio. I highly recommend this firm for investments and tax planning. ⭐⭐⭐⭐⭐”
This testimonial provided for Greenbush Financial Group, LLC on Google Review was made by a client, and it was a non-paid review. This client was solicited by Greenbush Financial Group, LLC to provide the testimonial.
“I honestly can’t say enough about Michael. I read his blog online about financial planning and saw I could schedule a complimentary consultation with Michael. Well I was so impressed with Michael’s knowledge and willingness to share so much information that pertained to my situation. I had numerous questions and Michael had an immediate answer for them all. He also followed up in our conversation with an email outlining what we had spoken about which was so helpful to me as finance is a big challeng, it was great knowing someone like Michael who is so smart in his field of expertise and willing to share his vast knowledge. Very refreshing to meet a person who truly loves what he doe, has such a giving spirit and truly wants to help. I recommend Michael 110%!!!, you will won’t be disappointed. ⭐⭐⭐⭐⭐”
This endorsement provided for Greenbush Financial Group, LLC on Google Review was made by a non-client, and it was a non-paid review. This non-client was solicited by Greenbush Financial Group, LLC to provide the endorsement.
Contact Us . . . .
All of our services start with a complimentary consult. No high pressure sales tactics. We are financial planners, not salesmen. Schedule Yours Today.
About Our Firm: Greenbush Financial Group is an independent registered investment advisory firm based in Albany, New York, that provides four main services to clients: fee-based financial planning services, investment management, employer-sponsored retirement plans, and retirement planning services. The firm serves clients locally in the Albany region and virtually across the United States.
