# CSG Financial

> Fee-only financial planning


## Posts

- [January Market Commentary - Are we back to old times?](https://csg-financial.com/january-market-commentary-are-we-back-to-old-times/): A December review and January outlook, with ways to keep your goals and investments aligned.
- [December Market Commentary - A New Regime Comes into the Picture](https://csg-financial.com/december-market-commentary-a-new-regime-comes-into-the-picture/): Jobs, inflation, GDP and mortgage rates after November.
- [What are the Retirement Contribution Limits for 2025?](https://csg-financial.com/what-are-the-retirement-contribution-limits-for-2025/): Updated IRS limits and SECURE 2.0 catch-up rules.
- [November Market Commentary - A Historic Election Removes Some Uncertainty](https://csg-financial.com/a-historic-election-removes-some-uncertainty/): What the election may mean for the economy, rates and investing.
- [2025 Social Security & Tax Changes: 101](https://csg-financial.com/2025-social-security-tax-changes/): The key changes for 2025 and tips for tax efficiency.
- [5 Steps to Take to Achieve an Early Retirement](https://csg-financial.com/5-steps-to-take-to-achieve-an-early-retirement/): Practical steps toward retiring on your own timeline.
- [October Market Commentary - Is this a Volatile Start to the End of the Year?](https://csg-financial.com/is-this-a-volatile-start-to-the-end-of-the-year/): Our read on markets heading into the final quarter.
- [Preparing for a New Interest Rate Cycle](https://csg-financial.com/preparing-for-a-new-interest-rate-cycle/): Staying diversified while making measured adjustments for rate risk.
- [5 Things to Know about Roth Conversions](https://csg-financial.com/5-things-to-know-about-roth-conversions/): How a Roth conversion works and when it may help.
- [September Market Commentary - Is this the finish line, or the starting gate?](https://csg-financial.com/september-market-commentary-is-this-the-finish-line-or-the-starting-gate/): Our read on markets in September.
- [Understanding Revocable and Irrevocable Trusts](https://csg-financial.com/understanding-revocable-and-irrevocable-trusts/): How each trust type protects and manages assets.
- [Understanding Your Lifetime Effective Tax Rate: A Crucial Aspect of Financial Planning often Overlooked](https://csg-financial.com/understanding-your-lifetime-effective-tax-rate/): An often-overlooked number and how to lower it over time.
- [Case Study: Retaining & Rewarding Two Major Employees](https://csg-financial.com/case-study-retaining-rewarding-two-major-employees/): Equity, bonuses and career paths to keep key staff.
- [The Roth-Only Catch-Up Contribution Rule Will Get Time to Catch Up](https://csg-financial.com/the-roth-only-catch-up-contribution-ruled-will-get-time-to-catch-up/): SECURE 2.0 catch-up changes and how to plan for them.
- [Small Business Retirement Plans - What is a SIMPLE, SEP-IRA, and Solo(k)?](https://csg-financial.com/small-business-retirement-plans-what-is-a-simple-sep-ira-and-solok/): Lower-cost retirement plan options for business owners.
- [Questions to ask when meeting a Financial Advisor](https://csg-financial.com/questions-to-ask-when-meeting-a-financial-advisor/): How to tell whether an advisor is the right fit.
- [August Market Commentary - What will the Fed Do?](https://csg-financial.com/august-market-commentary-what-will-the-fed-do/): Our read on markets in August.
- [Case Study: Navigating Job Loss at 50 with a Sound Financial Plan](https://csg-financial.com/case-study-navigating-job-loss-with-a-sound-financial-plan/): Handling a layoff after 20+ years without taking on debt.
- [Gen Z is Getting an Early Start on Financial Independence](https://csg-financial.com/gen-z-is-getting-an-early-start-on-financial-independence/): Money habits, challenges and opportunities for Gen Z.
- [The Complications of the New Inherited IRA rules](https://csg-financial.com/the-complications-of-the-new-inherited-ira-rules/): What changed and the tax strategies that follow.
- [Case Study: Navigating the 20-Year Taxable Loan Forgiveness Program](https://csg-financial.com/navigating-the-20-year-taxable-loan-forgiveness-program/): An attorney plans for taxable student loan forgiveness.
- [Donor Advised Funds: Tax Benefits, Growth and Control](https://csg-financial.com/donor-advised-funds-tax-benefits-growth-and-control/): Immediate tax benefits with flexibility in how you give.
- [Retirement Mistakes: Avoiding Common "No-No's" for a Confident Future](https://csg-financial.com/retirement-mistakes-avoiding-common-no-nos-for-a-confident-future/): Building a plan that handles expenses, inflation and change.
- [CSG Financial Monthly Market Outlook - July, 2024](https://csg-financial.com/csg-financial-monthly-market-outlook-july-2024/): Our read on markets in July 2024.
- [How Do You Create Lasting Wealth?](https://csg-financial.com/how-do-you-create-lasting-wealth/): Planning, risk management and estate strategies across generations.
- [Case Study - Consolidating to Retirement Confidence, Jane's Journey](https://csg-financial.com/case-study-consolidating-to-retirement-confidence-janes-journey/): Consolidating accounts into a tax-efficient retirement strategy.
- [Proactive Tax Planning with a Risk Perspective](https://csg-financial.com/proactive-tax-planning-with-a-risk-perspective/): Balancing growth and tax efficiency in retirement.
- [The Financial Organization Principle](https://csg-financial.com/the-financial-organization-principle/): Small steps toward a full plan and less financial stress.
- [Case Study: Sarah's Path to Business Planning Confidence](https://csg-financial.com/case-study-sarahs-path-to-business-planning-confidence/): A bakery owner improves cash flow and personal finances.
- [Estate Planning for Small Business Owners](https://csg-financial.com/estate-planning-for-small-business-owners/): Protecting assets, planning succession and saving on taxes.
- [Keeping Seniors Safe From Financial Scams](https://csg-financial.com/keeping-seniors-safe-from-financial-scams/): Protecting aging parents as part of the sandwich generation.
- [Marriage and Money: A Newlywed’s Guide to Joint Finances](https://csg-financial.com/marriage-and-money-a-newlyweds-guide-to-joint-finances/): Budgeting, open conversation and tax planning for couples.
- [Summer Financial Tune-Up](https://csg-financial.com/summer-financial-tune-up/): A mid-year check on contributions, budget and goals.
- [Rentals & LLC's - Do I need one?](https://csg-financial.com/rentals-llcs-do-i-need-one/): Pros, cons and possible tax benefits of an LLC for rentals.
- [The Five Key Components of Financial Literacy](https://csg-financial.com/the-five-key-components-of-financial-literacy/): Earning, spending, saving, investing, borrowing and protecting.
- [Helping Your Kids Without Risking Your Own Retirement](https://csg-financial.com/helping-your-kids-without-risking-your-own-retirement/): Supporting your children while protecting your future.
- [Case Study: Mid-Career Attorney who wanted to spend more, while also building net worth](https://csg-financial.com/case-study-mid-career-attorneywho-wanted-to-spend-morewhile-also-building-net-worth/): Growing net worth while enjoying today.
- [Is Your Home Part of Your Retirement Plan?](https://csg-financial.com/is-your-home-part-of-yourretirement-plan/): How your home can factor into retirement.
- [Understanding Self-Directed IRAs](https://csg-financial.com/understanding-self-directed-iras/): What they are, how they work and possible benefits.

## Pages

- [Privacy policy](https://csg-financial.com/privacy-policy/): Version date: April 14, 2026
- [Advanced practice nurses](https://csg-financial.com/who-we-serve/advanced-practice-nurses/): Nurse practitioners, CRNAs, nurse midwives and clinical nurse specialists often see their income jump after graduate school, along with new loans, new benefits and new options. We help you make the most of each step.
- [Optometrists](https://csg-financial.com/who-we-serve/optometrists/): Whether you’re an associate, considering buying a practice or already own one, your financial decisions are tied to your career path. We help you plan for each stage.
- [Physicians](https://csg-financial.com/who-we-serve/physicians/): Long training, a high income that arrives later, and choices about partnership or practice ownership make a physician’s finances different. We build plans around the way your career actually unfolds.
- [Trades professionals](https://csg-financial.com/who-we-serve/trades-professionals/): Electricians, plumbers, HVAC technicians, contractors and other skilled trades build careers that are demanding on the body and often run on overtime, union benefits or their own business. We help you turn that hard work into lasting security.
- [Farmers](https://csg-financial.com/who-we-serve/farmers/): Much of a farm family’s wealth is tied up in land, equipment and the operation itself, and income can swing from year to year. We help you plan for today and for passing the farm on.
- [Business owners](https://csg-financial.com/who-we-serve/business-owners/): Your business and your personal finances are tied together. We help you plan for both, from cash flow and taxes today to retirement plans for your team and an eventual sale or succession.
- [Retirees](https://csg-financial.com/who-we-serve/retirees/): Retirement brings a new set of questions: how to turn savings into income, how to keep taxes in check and how to make it last. We help you answer them with a plan that adapts as your retirement unfolds.
- [Pre-retirees](https://csg-financial.com/who-we-serve/pre-retirees/): The decade before retirement is when the biggest decisions get made: when to stop working, how much is enough and how to set up your savings to become income. We help you get there with a clear plan.
- [Equity compensation](https://csg-financial.com/who-we-serve/equity-compensation/): Stock options, RSUs and ESPP shares can make up a large share of what you’ve built. We help you decide when to exercise, sell or hold, and how those choices fit your retirement income and tax picture.
- [Contact](https://csg-financial.com/contact/): Meet with us in person in Dover or virtually from anywhere. Below you’ll find what to expect and answers to common questions.
- [Blog](https://csg-financial.com/blog/): Market commentary, client case studies and plain-language guides to the planning questions we hear most.
- [Reviews & case studies](https://csg-financial.com/reviews/): Hear from clients in their own words on independent review sites, and see how we approach the situations our clients bring to us.
- [Who we serve](https://csg-financial.com/who-we-serve/): Each of our founders specializes in a group of clients and the decisions they face. Find your profession to see how we can help.
- [How we work](https://csg-financial.com/how-we-work/): We aim to be more than a service provider. As CERTIFIED FINANCIAL PLANNER™ professionals, we follow the seven-step financial planning process set out in CFP Board’s Standards of Professional Conduct. Here’s what that looks like when you work with us.
- [Services & fees](https://csg-financial.com/services/): Your plan should change as your life does. Choose the level of ongoing planning that fits your situation, and add investment management if you’d like us to manage your portfolio.
- [About](https://csg-financial.com/about/): Integrity, transparency and a focus on the client guide every recommendation we make.
- [Home](https://csg-financial.com/): CSG Financial is an independent, fiduciary, fee-only financial planning firm. Our CFP® professionals serve retirees, business owners and medical professionals nationwide.


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