October 2019
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Looking to Combat Market Volatility? We Have the Tools to Help!
Market volatility is a key part of investing, and although dramatic moves in the stock market may cause concern, it's important to focus on what you can control: making sure your portfolio is  well-balanced and tailored to your investment goals and objectives.

As the market shifts, knowing your risk comfort level can make all the difference in your planning. At Saratoga Financial Services, we offer Riskalyze, a cutting edge technology that pinpoints your acceptable level of risk. You can start by completing a 5-minute questionnaire to determine your Risk Number. We'll use that number to analyze your current portfolio and see how it aligns, showing you whether you are taking too much or too little risk for your tested comfort level. We'll then craft a portfolio that aligns with your personal preferences and priorities, allowing you to feel comfortable with your expected outcomes. 

To learn more about Riskalyze and to find our your Risk Number today, click here to visit our website.

While we don't know what the future holds, it's never a bad idea to review your accounts and make sure they're aligned with your goals and financial situation. Please give our office a call at (518) 584-2555 if you'd like to review your portfolio.
How to Plan for Rising Health Care Costs in Retirement
October is Financial Planning Month, which makes for a good reminder to give your overall financial plan a thorough check-up to make sure you're on the right track for a successful future. One expense many Americans tend to underestimate is the rising cost of health care in retirement. It is estimated that the average couple will need $285,000 in today's dollars for medical expenses throughout their golden years, and that excludes long-term care costs. 

Luckily, there are methods to curb these costs and steps you can take to help yourself prepare for them. Click here for more information and determine how you can start planning today.
Did You Know?
- 79% of future retirees cite healthcare costs as their top financial concern.

- One third of "early retirees" who claim Social Security at age 62 do so to help pay for health care expenses.

- The percentage spent on health expenses is nearly 3 times as much for retirees as it is for those still working. 

Source: usatoday.com
 NY's Fall Foliage Report

Fall has officially arrived in Upstate New York! Leaves have started their color transition for the season, and we are expected to reach close to midpoint this weekend in the Capital Region! 

Click here to check out New York's
Fall Foliage Report. The report is updated weekly, so be sure to check back for updates as we reach peak foliage!
Robert Schermerhorn, CFP® Jamie Usas, CFP®,
Operations Manager
Amanda Friedman,
Wealth Consultant
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18 Division Street, Suite 305
Saratoga Springs, NY 12866
Phone: 518-584-2555

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Planning Tip
Are you planning to travel abroad in the coming months? If so, there's a way to avoid those seemingly unending lines at customs upon your return. 

You can now download the free Mobile Passport app to your smartphone, where you'll simply enter your flight information and answer a series of customs inspection-related questions. After deplaning you'll be able to jump ahead to a much shorter line and get home faster!

Click here for details on how to set up and use the Mobile Passport app. Happy landings!
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

Securities & advisory services offered through LPL Financial, a registered investment advisor, member FINRA / SIPC