AGP Financial

AGP Financial We are a comprehensive financial firm that helps our clients pursue their financial goals and builds a personalized roadmap for the journey.

Please visit our website for important disclosure.

05/05/2026

The 4% withdrawal rule has guided retirement planning for 30 years. The idea: withdraw 4% of your savings in year one, adjust for inflation annually, and your money should last 30 years.

It's a useful starting point. But it has real limits that matter more now than they did in the 1990s when the rule was developed:

- Today's retirees often need portfolios to last 35+ years
- Sequence-of-returns risk — poor market performance in the first few retirement years can permanently reduce a portfolio's staying power even if long-term averages look fine
- Some researchers now suggest 3.3% as a more conservative baseline

The honest answer: there is no universal safe withdrawal rate. The right number depends on your asset mix, Social Security timing, healthcare costs, legacy goals, and how flexible your spending can be in down years.

A fixed rule applied to a dynamic life is not a plan.

When did you last stress-test your retirement income strategy?

04/30/2026

Small Financial Habits That Add Up Over Time
Most financial success doesn’t come from one big decision, but rather from small, consistent habits practiced over many years.

Things like setting up automatic savings, increasing retirement contributions when your income grows, reviewing your accounts regularly, and staying invested during both good and challenging markets may not feel exciting in the moment. But over time, they can have a powerful impact.

It’s easy to underestimate how much steady progress matters. A one percent increase in savings, a small monthly investment, or a simple annual review can compound into meaningful financial security. Progress doesn’t require perfection. It requires consistency.

If you’ve made even small improvements to your financial habits this year, you’re moving in the right direction. And if you haven’t started yet, today is still a great day to begin.

We’re here to help you build habits that support your long-term goals one step at a time.

04/07/2026

Final Call: 2025 IRA Contributions
We’re officially in the final stretch for making 2025 IRA and Roth IRA contributions, and the April 15 deadline is quickly approaching. Once that date passes, the opportunity to contribute for 2025 is gone.

For many people, IRA contributions are easy to postpone because life gets busy. But these contributions play an important role in building long-term financial security. They can help reduce current taxes, create tax-free income in retirement, and support future flexibility. Even modest, consistent contributions can grow meaningfully over time when paired with a thoughtful investment strategy.

If you have not yet contributed, or if you are unsure whether you have maximized your contribution, now is the time to take action. This is also a good opportunity to review whether a Traditional IRA, Roth IRA, or another strategy best fits your situation.

If you have questions about eligibility, contribution limits, or funding options, we are here to help you navigate the process before the deadline.

03/27/2026

As we head into April, it’s important to remember: You still have time to make your 2025 IRA or Roth IRA contribution; however, the deadline is approaching.

Deadline: April 15, 2026

Contribution limits for 2025:
$7,000 (under age 50)
$8,000 (age 50 and over)
Making consistent IRA contributions is one of the most effective ways to build long-term financial security. It helps you to 1) Reduce taxable income (Traditional IRA), 2) Create tax-free income later (Roth IRA), 3. Build disciplined saving habits, and 4) Take advantage of compound growth.

Waiting until the last minute can create unnecessary stress and limit your options. If you’re unsure how much you’ve contributed, which type of IRA you’re eligible for, or how it fits into your plan, please reach out to us. We’re happy to provide this information for you.

03/24/2026

Traditional IRA vs. Roth IRA: What’s the Difference?
One of the most common questions we hear is: “Should I be contributing to a Traditional IRA or a Roth IRA?” The answer depends on your income, tax situation, and long-term goals. Here’s a simple breakdown:

Traditional IRA
Contributions may be tax deductible while lowering taxable income today. However, withdrawals are taxed in retirement.

Roth IRA
Contributions are made with after-tax dollars, but there is no tax deduction available today. Qualified withdrawals are tax free later.

A key question is: Do you expect your tax rate to be higher now or in retirement?
If taxes are lower today, a Roth may make sense.
If taxes are higher today, a Traditional IRA may be beneficial.

Many people benefit from using both as part of a diversified strategy. There is no one-size-fits-all answer and that’s where personalized planning matters. We help clients evaluate these options every day based on their unique situation.

03/23/2026

Smart Ways to Use a Tax Refund
For many people, a tax refund feels like a “bonus” and it’s tempting to spend it quickly. While there’s nothing wrong with enjoying part of it, a refund can also be a powerful opportunity to strengthen your financial foundation.

Before spending it, consider a few strategic options:
✔️ Contribute to your 2025 IRA (deadline: April 15)
✔️ Build or strengthen your emergency fund
✔️ Pay down high-interest credit card debt
✔️ Add to a child’s 529 education account
✔️ Invest in a taxable brokerage account

Using your refund intentionally can help you reduce financial stress, increase long-term security, and move closer to your goals. Even allocating a portion toward savings or investing can make a meaningful difference over time. A refund isn’t just money back, but rather it’s a chance to put your finances to work for you.

Not sure which option makes the most sense for your situation? We’re happy to help you think it through.

Spring is often associated with cleaning out closets and organizing homes, but it’s also one of the best times of year t...
03/06/2026

Spring is often associated with cleaning out closets and organizing homes, but it’s also one of the best times of year to “clean up” your finances.

Over time, many people accumulate old accounts, outdated paperwork, and plans that no longer reflect their current goals. Left unchecked, this can lead to unnecessary complexity, missed opportunities, and even costly mistakes.
A financial spring clean is a great chance to review:
✔️ Beneficiaries on retirement and investment accounts
✔️ Old 401(k)s from previous employers
✔️ Your current investment allocation
✔️ Estate documents and powers of attorney
✔️ Insurance coverage and protection needs

Life changes quickly with marriages, new children, career changes, relocations, and retirements. All these elements can impact your financial strategy. If your plan hasn’t been reviewed recently, now is the perfect time. A clear, organized financial picture helps you make better decisions, feel more confident, and stay focused on what matters most.

If you’d like help reviewing your current setup, we’re always happy to walk through it with you.

02/25/2026

There is still time to make your 2025 Roth IRA contributions for the 2026 tax season. Fun fact about Roth IRAs: Your contributions (not earnings) can be withdrawn tax and penalty free at any time. That flexibility is one reason Roth IRAs are such a powerful planning tool.

Strategy matters which is where we at AGP Financial can help. We support clients in their decisions on when and how to use that flexibility wisely.

Contributions

02/17/2026

Tax season is here! Before you file, make sure you’ve gathered:
✔️ 1099s (investment income)
✔️ 1099-R (retirement distributions)
✔️ 5498 (IRA contributions — often arrives later)
✔️ Mortgage interest statements
✔️ Charitable giving receipts

If you're missing anything, let us know — we’re here to help.
Tax time is also a great time to review your overall financial plan.

02/13/2026

This Valentine’s Day, show love that lasts longer than flowers. 💝 529 Plans may be a way to show your love for decades rather than days.

💡 529 Plan Fun Fact:
Anyone can contribute to a child’s 529 including parents, grandparents, aunts, uncles, and even close family friends.
It’s one of the most meaningful “long-term love letters” you can give: helping invest in their future education.

Whether you’re saving for a child, grandchild, or loved one, a 529 can make a big difference over time. Want to explore your options? We’re happy to help.

🎆 Cheers to 2026!A new year means new opportunities to grow, plan, and achieve your goals.From all of us at AGP Financia...
12/31/2025

🎆 Cheers to 2026!
A new year means new opportunities to grow, plan, and achieve your goals.
From all of us at AGP Financial: thank you for letting us be part of your financial journey. Here’s to your best year yet!

As a reminder, our firm and the markets will be closed January 1st. We look forward to serving you in 2026.

Address

2573 Hamline Avenue N
Roseville, MN
55113

Opening Hours

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

Telephone

+16517892983

Website

Alerts

Be the first to know and let us send you an email when AGP Financial posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to AGP Financial:

Shortcuts

Share

Category