Ryan A. Garnto, Financial Advisor with Garnto Financial Group

09/01/2026

Estate tax and inheritance tax are both often referred to as "death taxes," but they aren’t the same when it comes down to who pays.

08/25/2026

Upcoming ballot measures in several states could provide additional property tax relief for older adult homeowners.

08/18/2026

If you’ve ever changed jobs, there’s a chance you may have also left behind a retirement plan account. This new tool from the U.S. Department of Labor:
https://bit.ly/4gka5ny may help you find out. If it turns out that you are owed a retirement benefit, I’d be glad to help guide you on how you may be able to roll it over or align it with your current goals.

08/11/2026

Benefits and pitfalls of buy-sell agreements every advisor should know
Business entities come in all shapes and sizes, but no matter the type, each one should have a buy-sell agreement in place. This important tool helps business owners effect a smooth transition in the event of death, disability, retirement, or other circumstance that triggers a change in ownership. Read this article by Rimon, PC estate planning attorney Patricia Annino to learn about the benefits and pitfalls of buy-sell agreements, and then let’s look at how you can help your clients better protect their businesses.
https://bit.ly/4wOWbkn

08/04/2026

If you have $5 million saved for retirement, your RMDs will change every year. Find out exactly how much you must withdraw at ages 73, 75, 80 and 85.

07/28/2026

Many Gen Xers worry they haven't saved enough, but experts say there is still time to strengthen retirement finances.

Many Gen Xers worry they're behind on retirement savings. Learn why and discover practical ways to strengthen your financial future.

07/21/2026

When you're navigating a gray divorce, don't rush to split assets. A settlement that looks good on paper may contain losses you won't have time to recover from.

07/14/2026

The article highlights how different withdrawal strategies may affect taxes during retirement.

Test your retirement tax knowledge with our short quiz.

07/11/2026

Wow! I can't believe it's been 13 years since I began my financial services career! I want to thank my family, my staff, and my wonderful clients for their continued support and trust.

07/08/2026

Planning for the unexpected is crucial in business, yet so many overlook it. Watch Lisa and Mark’s story to see how securing your business’s future starts with proper succession planning today. Don’t wait for the unexpected.

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