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Join Logan Sadler, the Senior Vice President and Chief Investment Officer of Ruggieri Financial, for helpful money tips, financial education and to get an advisor's perspective on the ever-changing retirement planning landscape. From short clips to thoughtful discussion, we'll tackle a wide variety of topics on The Financial Beat.

Should You Consolidate Multiple IRA Accounts?

Do you have multiple IRA accounts or old 401(k) accounts that are with different brokers or custodians because you feel like you're better diversified? Today we're going to answer one of your questions about what to do if you have a variety of accounts. Should they be consolidated? Do you have less risk if you leave them where they are? We'll answer the question in this video. 

4 Things You Should Consider Before Using An Annuity 

Annuities are one of the more talked about retirement vehicles out there, so we want to break down 4 things you need to consider before purchasing an annuity. This investment option is primarily utilized by retirees as a vehicle to provide consistent income once that paycheck stops coming in. The three most common annuities people choose from are the fixed annuity, fixed indexed annuity, and variable annuity. We won't tell you whether you should or shouldn't add an annuity to your portfolio, but we'll do our best to give you the important things to consider as you weigh the options. 

The Power of Delayed Gratification

We've all heard about the power of delayed gratification. When it comes to personal finance, there are so many ways to take delayed gratification. It might be an investment that provides better returns the longer we hold it. It could be a change we make now that provides great benefits down the road. We would all select the option that would give us the greatest benefit if it was within our means, but life often gets in the way of what's best in favor of what's most important now. In this video, we'll share the five ways you might be opting against delayed gratification and explain ways to change your actions to benefit you long-term. 

What Does Comprehensive Planning Mean?

You might hear the word comprehensive or holistic or full-service when it comes to financial planning, and you might be wondering what that means more specifically and how does it help me better prepare for retirement? Whether you are curious about what i all entails or want to find out how to get a comprehensive retirement plan started, we'll explain how an advisor helps you put together a complete plan and why it's so important for overall sucess. Plus, we'll give you some planning questions to be asking yourself right now and make sure you have an answer in place before it's too late. 

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