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SageCreek Planning & Investments

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SageCreek Planning & Investments

Financial Planning, Retirement Planning & Investments

06/08/2026

Bulls win in game 5...

with a final score of 4-1! Most would consider this a blowout victory in sports, but when it comes to the market they think the game is close.

The average Bull Market lasts 4.4 years vs the 11.1 months of the average Bear Market and the performance during these periods is not even close.

151% vs -32%

The better team (Bulls) occasionally lose, but that's why we play more than one game. In the championship that is long term investing The Bulls remain undefeated.

- Aston Edmunds, CFA, CFP®

06/06/2026

When was the last time you reviewed your insurance coverage and beneficiary designations?

Life changes happen quickly: whether it's a marriage, divorce, new home, growing family, career change, or retirement. These milestones can impact who you want protected and how your assets are distributed.

A quick review can help ensure:

✔️ Your coverage still meets your needs
✔️ Beneficiaries are up to date
✔️ Your loved ones are protected
✔️ Your financial plan stays aligned with your goals

Taking a few minutes now can help avoid unintended surprises later.

Need help reviewing your policies or beneficiary designations? I’m happy to help!

- Rachel McCray, CFP®

06/04/2026

We're honored to share that Bart Edmunds, CPA, CFP® has been recognized as Roanoke's Best Financial Advisor by The Roanoker.

Serving our clients and community is a privilege we never take for granted, and we're grateful for the trust placed in us every day.

Thank you to our clients, friends, and community for your continued support.

06/01/2026

The biggest tax on your investment portfolio...

is you!

The average investor not only underperforms the broad market, but also underperforms government bonds. The reason is emotion. While most investors know the stock market is a long term "game" they let their emotional response to short term events drive their decisions. They get scared, they sell, they miss out, then they buy back in once the dust settles.

Rinse, repeat, and lose.

Emotion will cause you to buy high and sell low because it "feels" better. If you plan to invest for the long term (as you should), then emotions have no room in your portfolio. Have a plan and stick to it or lose.

- Aston Edmunds, CFA, CFP®

05/31/2026

Not all inheritances are gifts—some assets can burden your heirs with hidden costs and family feuds. Without careful planning, assets meant to help your family could instead become a burden:

• Plan early: Work with an estate attorney to identify assets that may cause complications—like timeshares or businesses—and decide how to handle them.
• Talk it out: Discuss your wishes with heirs now to prevent conflict and confusion later.
• Keep it simple: Cash and investment accounts are easiest to divide and least likely to spark disputes.

Source: https://bit.ly/jqeljkhiTh

05/29/2026

May 29th is National 529 Plan Day 🎓

One of the most flexible and tax-efficient ways to save for education and a lot of people don’t realize just how versatile they’ve become.

If you’ve been thinking about setting one up (or already have one and want to make sure you’re using it the right way), I’m always happy to talk it through!

- Rachel McCray, CFP®

05/20/2026

Your HSA might be one of the most powerful savings tools you’re not fully using yet 👀

✅ Tax-deductible contributions
✅ Tax-free growth
✅ Tax-free withdrawals for qualified medical expenses
✅ Funds roll over year after year
✅ Can even become a long-term retirement healthcare strategy

An HSA isn’t just for today’s doctor visits… it can be a smart part of your overall financial plan!

- Rachel McCray, CFP®

05/18/2026

Companies are bigger than their earnings...

The top 10 companies in the S&P make up roughly 38% of the index. For every $1 you invest into a "diversified" index of 500+ companies, almost 40 cents goes to only 10 companies while the remaining 60 cents goes to the other 490+.

Most people are not nearly as diversified as they think.

We compound this with the fact that while the company size (Market Cap) of the top 10 stocks makes up ~38%, those same companies earnings only make up 33%.

There is a disconnect.

This is why we have seen some of these large companies set record levels of earnings or revenue growth, but the stock price doesn't move. Some of these stocks are a bit too far out in front of their skis and the market wants to let them catch up a bit before trying to barrel forward again.

I am curious to see if NVDA's earnings on Wednesday will be enough to "catch up" from an earnings perspective or if we will stay disconnected for the time being.

- Aston Edmunds, CFA, CFP®

05/16/2026

Want to support your grandkids without draining your own nest egg? Here are 3 smart ways to give:

• Save for education: A 529 plan can offer tax advantages when funds are used for qualified expenses.
• Plan your legacy: Trusts, wills, and beneficiary updates can help clarify who receives what, and when.
• Gift strategically: Annual gifts, direct tuition payments, or medical support may offer tax-efficient ways to help.

https://bit.ly/4c8D8r4

05/14/2026

Compounding isn’t just a concept; it’s one of the most powerful tools in your financial plan.

It allows your money to grow on itself over time, turning consistent, smaller contributions into something much more meaningful.

And the earlier you start, the more time it has to work in your favor.

- Rachel McCray, CFP®

Address

4233 Colonial Avenue
Roanoke, VA
24018

Opening Hours

Monday	8:30am - 4:30pm
Tuesday	8:30am - 4:30pm
Wednesday	8:30am - 4:30pm
Thursday	8:30am - 4:30pm
Friday	8:30am - 3pm

Website

http://www.sagecreekplanning.com/

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