Ruby Financial Group

Ruby Financial Group Offering investment advisory services through Eagle Strategies LLC, A Registered Investment Adviser. I am not licensed in all jurisdictions.

I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. Please contact me to help you fully analyze your needs and recommend appropriate solutions. In addition to a Financial Adviser offering investment advisory services thro

ugh Eagle Strategies LLC, A Registered Investment Adviser, I am also licensed as an Agent with New York Life Insurance Company and a Registered Representative of and offer securities products & services through NYLIFE Securities LLC, (Member FINRA/SIPC), A Licensed Insurance Agency. Ruby Financial Group
935 4th Avenue
Ford City, PA 16226
(724) 201-6226

Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success. Neither Ruby Financial Group nor New York Life Insurance Company, or its agents, provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. Ruby Financial Group is not owned or operated by New York Life Insurance Company or its affiliates.

Required Minimum Distributions (RMDs) are an important part of retirement planning that many people overlook until they’...
05/29/2026

Required Minimum Distributions (RMDs) are an important part of retirement planning that many people overlook until they’re already in retirement.

Once you reach the IRS-required age, certain retirement accounts — like traditional IRAs and many employer-sponsored retirement plans — require annual withdrawals, whether you need the income or not. Missing an RMD can result in significant penalties, making proactive planning essential.

Here are a few key things to know about RMDs:
• RMD amounts are based on your account balance and life expectancy factors established by the IRS
• Withdrawals are generally taxable as ordinary income
• Different rules may apply to inherited retirement accounts
• Strategic planning may help manage the long-term tax impact of distributions

RMDs aren’t just about compliance — they can also create opportunities to revisit your retirement income strategy, charitable giving goals, and legacy planning objectives.

The rules surrounding retirement distributions can be complex and may change over time. Working with trusted financial, tax, and legal professionals can help ensure your retirement strategy stays aligned with your goals.

If you’d like to better understand how RMDs may fit into your overall financial picture, We would be happy to have a conversation!

This information is for educational purposes only and should not be considered tax or legal suggestions. Please consult with your tax and legal advisors regarding your personal situation.

Happy Memorial Day!This Memorial Day, Ruby Financial Group honors the brave men and women who made the ultimate sacrific...
05/25/2026

Happy Memorial Day!

This Memorial Day, Ruby Financial Group honors the brave men and women who made the ultimate sacrifice for our freedom. Today we remember their courage, their service, and the families who carry their legacy forward.

What Is Probate?Probate is the legal process that happens after someone passes away to make sure their money, property, ...
05/22/2026

What Is Probate?

Probate is the legal process that happens after someone passes away to make sure their money, property, debts, and final wishes are handled correctly.

During probate, the court:

Verifies that the person’s will is valid (if there is one)
Identifies and values assets such as homes, bank accounts, and investments
Pays outstanding debts and taxes
Distributes remaining assets to the heirs or beneficiaries

If there is no will, the court follows state laws to determine who inherits the estate.

Many people are surprised to learn that probate can take months — and sometimes even years — depending on the complexity of the estate. It can also involve court costs, attorney fees, and public records.

Proper estate planning tools such as wills, trusts, beneficiary designations, and powers of attorney may help families reduce delays, expenses, and stress during the probate process.

Probate is not just a legal procedure — it’s often an emotional journey for families already dealing with loss. Understanding how it works can help loved ones prepare and protect what matters most.

05/21/2026

It’s totally okay to not have all of the answers.

Financial confidence doesn’t come from knowing everything right away. It comes from being open and willing to learn, asking questions, and taking small steps forward over time.

Everyone has a different journey, and progress doesn’t have to happen all at once. What matters the most is continuing to move at a pace that feels right for you and your family.

At Ruby Financial Group, we’re here to help you think about your goals and where to begin.

Having that first conversation is a meaningful step.

Give our office a call at 724-201-6226 if you’re ready to begin!

Financial wellness is an important part of overall wellness.When financial decisions feel unclear or overwhelming, it ca...
05/20/2026

Financial wellness is an important part of overall wellness.

When financial decisions feel unclear or overwhelming, it can create added stress in everyday life. Taking time to build a plan that reflects your goals and priorities may help create a greater sense of clarity and confidence over time.

A strong financial strategy isn’t about perfection — it’s about making thoughtful decisions that support the future you want to build.

If you’ve been thinking about revisiting your goals or starting the conversation, Ruby Financial Group is always here as a resource.

May is Mental Health Awareness MonthFinancial wellbeing and mental wellbeing are often more connected than we realize. U...
05/18/2026

May is Mental Health Awareness Month

Financial wellbeing and mental wellbeing are often more connected than we realize. Uncertainty around finances can create stress, while having a clearer understanding of your goals, options, and overall strategy may help bring greater confidence and peace of mind over time.

Building a financial plan isn’t about having everything figured out all at once — it’s about taking thoughtful steps that align with your priorities and the life you want to create.

Conversations around financial wellness matter, and sometimes the first step is simply starting the conversation.

The **Power of Attorney (POA)** isn’t just paperwork—it’s protection.A Power of Attorney allows you to legally appoint s...
05/15/2026

The **Power of Attorney (POA)** isn’t just paperwork—it’s protection.

A Power of Attorney allows you to legally appoint someone you trust to make decisions on your behalf if you’re unable to. This can include financial matters, healthcare decisions, or both—depending on how it’s set up.

Why it matters:
Life is unpredictable. Without a POA in place, your loved ones may face delays, court involvement, and added stress during already difficult times.

There are different types of POA:
• **Durable** – stays in effect if you become incapacitated
• **Limited** – applies to specific tasks or timeframes
• **Healthcare** – focuses on medical decisions

Taking the time to set this up now can save your family from uncertainty later.

Planning ahead isn’t about expecting the worst—it’s about being prepared for anything.

One often-overlooked financial move: organization.Keeping key documents, accounts, and contacts in one place can make a ...
05/14/2026

One often-overlooked financial move: organization.

Keeping key documents, accounts, and contacts in one place can make a big difference — especially during unexpected moments.

05/13/2026

Something new is coming…

We’ve been working behind the scenes to bring you something we can’t wait to share.

Stay tuned!

Address

935 4th Avenue
Ford City, PA
16226

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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