Drew G Sappenfield, Investment Advisor Representative

Drew G Sappenfield, Investment Advisor Representative Securities offered through Cambridge Investment Research Inc. a broker-dealer, member FINRA/SIPC.

Investment Advisor Representative
Cambridge Investment Research Advisors, Inc, a Registered Investment Adviser. Cambridge and Boyer and Sappenfield Investment Advisors are not affiliated

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ng of personalized investment advice for compensation will not be made to persons in states where the financial professional is not registered. www.finra.org, www.sipc.org

Content provided via links to third party sites should not be considered an endorsement of content, which we cannot verify completeness or accuracy of.

When the U.S. Mint halted new penny production in late 2025, many business owners and consumers are evaluating what this...
06/15/2026

When the U.S. Mint halted new penny production in late 2025, many business owners and consumers are evaluating what this change means for day-to-day transactions. As the supply of pennies gradually declines, the shift toward rounding cash payments to the nearest nickel is expected to become standard practice. Swipe to learn more.

As payment practices continue to evolve, staying informed matters. If you have questions about how this shift may affect your budgeting, tax reporting, or business operations, contact us for guidance.

Did you know that millions of Americans are considered credit invisible? This means they do not have enough credit histo...
06/11/2026

Did you know that millions of Americans are considered credit invisible? This means they do not have enough credit history to generate a credit score. Without an established credit profile, everyday financial goals, from financing a vehicle to securing housing, can become more complicated than expected. Swipe to learn more.

We hope you found this overview helpful. If you have questions about your broader financial plan, contact us. We are here to help you align today’s decisions with tomorrow’s goals.

It’s time to test your financial knowledge. This month, we’re covering a couple of key facts about how stocks work and t...
06/09/2026

It’s time to test your financial knowledge. This month, we’re covering a couple of key facts about how stocks work and the meaning behind the numbers. Swipe through to test your expertise, see how you score, and maybe even grab some tips for the second half of the year!

If you have questions about your portfolio or want to talk through your current strategy, give us a call. We're here to support your financial journey.

June is here, meaning that summer is truly right around the corner. During this season, some of us love to soak up the s...
06/04/2026

June is here, meaning that summer is truly right around the corner. During this season, some of us love to soak up the sun, while others find every reason to stay cool indoors.

Which one are you this summer?

🏖️ Vote soaking up the sun

🛋️ Vote stay inside with the AC on full blast

Feel free to drop your pick in the comments. We would love to see which side comes out on top!

This CPR and AED Awareness Week, it is worth asking: Does your team know what to do if an emergency happens on the clock...
06/01/2026

This CPR and AED Awareness Week, it is worth asking: Does your team know what to do if an emergency happens on the clock?

There are a few misconceptions that often get in the way of workplace preparedness when it comes to using cardiopulmonary resuscitation (CPR) and an automated external defibrillator (AED) in an emergency. Equipping your team with this knowledge is one of the most meaningful investments you can make in workplace safety.

Swipe through to learn more about the myths standing in the way of preparedness.

We hope this resource was helpful for you. As always, know that we are here to leverage our expertise for your benefit. Please don’t hesitate to give us a call if you have any questions or needs.

Planning for retirement comes with a lot of assumptions, but not all of them hold up. Understanding what’s fact versus f...
05/26/2026

Planning for retirement comes with a lot of assumptions, but not all of them hold up. Understanding what’s fact versus fiction can make a meaningful difference in how you prepare for the future. Swipe through for a few retirement myths and the realities behind them.

If you have questions about your retirement strategy or want to explore your options, contact us today. Our team is here to help you build a plan designed for your future.

05/25/2026

Memorial Day 🇺🇸
Today we honor and remember the brave men and women who made the ultimate sacrifice while serving our country. Their courage, dedication, and selflessness will never be forgotten.
As we gather with family and friends, let us take a moment to reflect on the freedoms we enjoy because of their service.
❤️🤍💙 Land of the free because of the brave.

As a new graduate, we know that it can seem daunting to start investing, especially when your finances may be tight. Thi...
05/21/2026

As a new graduate, we know that it can seem daunting to start investing, especially when your finances may be tight. This can lead some new grads to push off investing until the “perfect time” in the future.

Here’s why that can be a bad strategy: Time is one of the biggest advantages we have when it comes to investing. Starting early gives your money more chances to grow — even if you’re only investing a little each month. That growth might not look obvious on a day-to-day basis. But as the years pass, the difference can become much clearer.

You don’t need a lot of money to get started with investing. The most important thing is to start early. Even small contributions to your own investment accounts or employer-sponsored accounts like 401(k)s, over time, can give your money more chances to grow. The sooner you get started, the bigger the impact it makes to the value of your investment portfolio.

If you want help figuring out what investing could look like for you or have questions about your current strategy, don’t hesitate to reach out. We’re here to help craft an investment strategy that’s right for you.

Large, often random expenses tend to pop up in the working world. Things like car repairs, medical bills, or a security ...
05/19/2026

Large, often random expenses tend to pop up in the working world. Things like car repairs, medical bills, or a security deposit for an apartment can throw your budget off course if you don’t have any money set aside.

Savings can give you a crucial safety net. Even having a small cushion makes those moments, like car breakdowns or surprise medical expenses, easier to handle. Start by building an emergency fund that covers several months' worth of expenses, then branch out and save for other wants or needs. Starting with small, consistent savings is the best way to go. The habit matters more than the amount at first.

If you have questions about what kind of savings account or savings strategy makes sense for your situation, don’t hesitate to reach out. We’re here to support your goals.

If you’re a new graduate, it can be hard to keep track of your inflow and outflow of cash as you juggle paychecks and ne...
05/14/2026

If you’re a new graduate, it can be hard to keep track of your inflow and outflow of cash as you juggle paychecks and new expenses. That’s where budgeting can come in.

Think of a budget as a way to keep your money working for you. Begin with your take-home pay, which is your pay after tax and any deductions, and make sure your essentials are covered. Then you can see what’s left for everything else.

This can look like putting money into “envelopes” or savings categories or simply tracking the numbers in a spreadsheet. Tracking your spending, even just for a month, can be eye-opening and help you fully understand where your money is going.

If you have questions about your current financial picture or want to discuss investment strategies that can support your goals as a new graduate, don’t hesitate to reach out. We’re here to help guide you.

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1 N Sycamore Street
Villa Grove, IL
61956

Telephone

+12172073043

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