Videos

Meet Michael Germano

Michael Germano, a Wealth Manager at Key Sage, brings over two decades of experience to his role—driven by a lifelong passion for investing and community service. Raised in a small town in Pennsylvania, Michael was deeply influenced by his father, a community banker, and his grandfather, who was active in civic work through the Boy Scouts, veterans groups, and other local organizations. Their dedication to helping others inspired him from a young age.

Meet Megan Hannan

Meet Megan Hannan, Client Administrative Manager for Key Sage Wealth at Steward Partners. As a liaison between Key Sage's clients and financial advisor Michael Germano, she handles everything from answering calls and preparing paperwork to opening new accounts and ensuring the day-to-day needs of her clients are met.

Are you and your Spouse on the Same Retirement Page?

Almost all couples agree on one thing…they want to retire someday. But that statement can create tension when the conversation remains that broad.

The Biggest Challenge for Today’s Investor

Having too much information is perhaps the biggest challenge for investors today. Could there be a more straightforward way to look at your money?

5 Practical Tips as You Close One Chapter and Open Another

After a long successful career, many ask, "Where did the time go?" Throughout your career, you probably had to plan for the future…but why do so many find themselves uncertain as they enter retirement?

Three Financial Burdens that are Easy to Fix

No one wants to air their dirty laundry about their financial mistakes. Want to learn about three financial mistakes to avoid?

Simplify, Simplify, Simplify

As I continue to live in a busy and noisy world, I am learning to value things that simplify my life. However, some clients confuse diversification with complexity.Here are four reasons to consider consolidation.

SMARTER Financial Goals

Establishing the right kind of goals is essential. You've probably heard of SMART goals. Today I want to talk about SMARTER goals.

Keeping Perspective During Global Tension

With recent developments in the Middle East, many investors are wondering what it could mean for markets. When geopolitical conflicts emerge, markets often react with short-term volatility as investors process new information and uncertainty

Post-Separation Financial Challenges

Under normal circumstances, financial planning is key to the long-term financial health of your family. But imagine that you wake up one day in your adult life and have to start over.

Why Patterns Matter in Investing

Markets don’t move in straight lines—and if you’ve ever noticed trends that seem to repeat, you’re not imagining it. While no one can predict exactly what comes next, understanding the why behind those patterns can help you make more informed and confident investment decisions.

Overcoming the Overwhelm of Starting Your Financial Plan

Everybody loves a financial plan. However, one of the barriers people often face is where to begin.

Four values to consider for a great life

We all have values. Some we choose, and others choose us.

one-dimensional

You are not one-dimensional. Instead, you have different facets of your life that make you unique.

Compound Interest

Compound Interest is a phenomenon where your savings can grow exponentially over time as you earn interest on both your original investment and the accumulated interest from previous periods.

Long-Term Care

If you're younger and healthy, long-term care may seem irrelevant.

Bull Market

In the midst of a bull market, when optimism is high and investment values climb, it's important to step back and consider the bigger picture. Strong economic indicators and a positive investor outlook often lead to buoyant market conditions, but what does this mean for your investment strategy?

Asset Allocation

Imagine crafting a gourmet meal where each ingredient plays a crucial role in the final taste; that's how asset allocation works in the investment world. It's the art of blending different financial 'ingredients'—like stocks, bonds, real estate, and cash—to match your unique taste for risk and reward, as well as your long-term financial objectives.

Build Your Net Worth

As you build your net worth, a life event can often cause you to seek the counsel of a financial advisor. Watch below for three things a financial advisor can do that you might have overlooked…or taken for granted.

The Future of Your Family

Navigating the conversation about finances with adult children can be a delicate matter. However, discussing you financial status with them is crucial, especially as they age.

Bear Market

In the financial world, a bear market may seem daunting. It's a term that echoes when the stock market experiences a prolonged decline.

Aging Parents

Recently, I was asked, "How much should I be involved in my aging parents' finances?" As I took a deep breath, I said, "How much time do you have?"

401(k)/403(b) Management

When was the last time you reviewed your employer retirement plan? If you are like most people, you probably set it up, picked a few investment options, and haven't thought much about it since. How helpful would it be to have us serve as your fiduciary for one of your most important assets?

Emotions & Volatile Markets

When it comes to investing, there is one thing you can count on- the market will go up, and the market will go down. How do we manage the emotions of these markets? Here are three tips that might help!

Discipline & Investing

In the world of investing, discipline is more than a virtue, it's a pillar for success. Being a disciplined investor means adhering to well well-thought-out investment strategy.

The 4 Ingredients

A great financial plan is more than just numbers on a spreadsheet—it’s a living, evolving roadmap to your goals. But for those numbers to become reality, it takes more than just good math. It requires four key elements: knowledge, a process, habits, and passion. When these four pieces come together, your financial plan becomes a powerful tool for building the life you envision.

Your Financial GPS

Imagine getting into your car and heading to a destination you’ve never visited—somewhere in a completely unfamiliar city. What’s the first thing you’re going to do? You’re going to plug the address into your phone. Why? Because you need guidance. You need a roadmap to get you where you want to go.

Key Sage Wealth at Steward Partners| Conshohocken, PA

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