Michael Ruger - Greenbush Financial Group - Invidious

Michael Ruger - Greenbush Financial Group

I'm Michael Ruger, CFP®, Managing Partner of Greenbush Financial Group—an independent registered investment advisory firm based in Albany, NY. Our firm manages over $500 million in client assets and provides fee-based financial planning, investment management, employer-sponsored retirement plans, and retirement planning services for clients in the Albany region and virtually across the U.S.

On this channel, I share the same tax strategies, financial planning strategies, investment insights, and retirement planning guidance we deliver to our clients every day. My goal is to help individuals avoid costly financial mistakes, understand their planning opportunities, and build long-term financial stability using clear, actionable advice grounded in real-world client conversations.

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6:09

Attention Non-Spouse 10-Year Beneficiaries: 2030 Is Rapidly Approaching

Michael Ruger - Greenbush Financial Group

Shared 23 hours ago

76 views

8:36

Have a Side Hustle? Then You Need a Solo 401(k)

Michael Ruger - Greenbush Financial Group

Shared 4 days ago

53 views

5:51

The Grandparent 529 Tax Advantage

Michael Ruger - Greenbush Financial Group

Shared 6 days ago

140 views

9:42

Special Considerations When Selling Your House to Your Child

Michael Ruger - Greenbush Financial Group

Shared 1 week ago

202 views

6:53

The 50% Social Security Spousal Benefit Explained: You Can't Have Both

Michael Ruger - Greenbush Financial Group

Shared 1 week ago

104K views

3:51

The Market Rally Continues: Iranian Conflict, Oil Prices, & Inflation

Michael Ruger - Greenbush Financial Group

Shared 2 weeks ago

80 views

4:57

Roth 401(k): A New Tax Strategy for High Earners

Michael Ruger - Greenbush Financial Group

Shared 2 weeks ago

147 views

5:53

Why Gold Isn’t a Safe Haven

Michael Ruger - Greenbush Financial Group

Shared 3 weeks ago

118 views

2:46

The Truth About Tax Extensions and Audits

Michael Ruger - Greenbush Financial Group

Shared 1 month ago

98 views

2:38

Tax Deadlines You DON'T Want to Miss

Michael Ruger - Greenbush Financial Group

Shared 1 month ago

63 views

5:28

Why Private Credit is Flashing Warning Signs

Michael Ruger - Greenbush Financial Group

Shared 1 month ago

96 views

6:45

IRS Rules for Putting Your Kids on Payroll

Michael Ruger - Greenbush Financial Group

Shared 1 month ago

163 views

3:17

Investment Strategies That Are Working YTD in 2026

Michael Ruger - Greenbush Financial Group

Shared 1 month ago

240 views

11:43

Cancel Life Insurance After Retirement?

Michael Ruger - Greenbush Financial Group

Shared 1 month ago

130 views

4:13

Iran Conflict Could Shake Global Economy

Michael Ruger - Greenbush Financial Group

Shared 1 month ago

101 views

5:40

The Beneficiary Mistake Families Make

Michael Ruger - Greenbush Financial Group

Shared 1 month ago

118 views

2:29

Should You Pay Cash for a Car?

Michael Ruger - Greenbush Financial Group

Shared 1 month ago

252 views

6:33

S-Corp Owners: Special Rules for Retirement Plans

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

193 views

10:01

How to Remove Excess Roth IRA Contributions Without Paying the 6% IRS Penalty

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

2.2K views

4:53

Is the Stock Market Overvalued? Look at these 2 Charts!!

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

177 views

5:35

How NYS Retirees Get Medicare Part B & IRMAA Reimbursed | 2026 Process Explained

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

600 views

5:17

The Economic Risks of A.I. Across Major Industires

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

101 views

16:45

Trump Accounts Explained: The New $5,000 Retirement Account for Kids.

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

543 views

3:40

The Mag 7 Sell Off Explained | Should Investors Worry?

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

713 views

17:20

Social Security Dependent Benefits for Minors

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

973 views

5:27

Will The Gold Rush Continue? Jan 30th, 2026

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

647 views

9:23

Special Tax Considerations in Retirement | IRA's, Social Security, Pensions, & Brokerage Accounts

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

240 views

5:05

2026 Greenland Market Update: Economic Risk?

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

78 views

12:31

New York State Secure Choice Law Explained | Companies Required to Sponsor Retirement Plans in 2026

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

441 views

7:19

Retiring Before 65? How to Bridge the Health Insurance Gap Until Medicare

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

805 views

7:26

New Ways to Plan for Long-Term Care Costs: Self-Insure & Medicaid Trusts

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

147 views

5:00

How To Correct Missed Required Minimum Distributions | New IRS Penalty Rules Explained

Michael Ruger - Greenbush Financial Group

Shared 4 months ago

1.9K views

3:26

How Much Money Will You Need to Retire Comfortably?

Michael Ruger - Greenbush Financial Group

Shared 4 months ago

141 views

7:13

How Long Will $1 Million Last in Retirement?

Michael Ruger - Greenbush Financial Group

Shared 4 months ago

483 views

3:42

Do Social Security and Pension Payments Automatically Stop After Someone Passes Away?

Michael Ruger - Greenbush Financial Group

Shared 4 months ago

545 views

8:14

Planning for Healthcare Costs in Retirement: Why Medicare Isn’t Enough

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

262 views

7:26

5 Must-Read Financial Books to Build Wealth and Success at Any Stage of Life

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

522 views

6:35

Will Social Security Be There When You Retire?

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

201 views

6:10

7 Smart Purchases to Make Before You Retire (Tax & Planning Tips)

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

526 views

6:20

Surviving Spouse Financial Checklist: 5 Important Action Items

Michael Ruger - Greenbush Financial Group

Shared 6 months ago

301 views

6:42

How to Protect Yourself from Stock Market Crashes in Retirement

Michael Ruger - Greenbush Financial Group

Shared 6 months ago

261 views

6:20

How the Medicare Income Appeal Works (Form SSA-44 Explained)

Michael Ruger - Greenbush Financial Group

Shared 6 months ago

4.5K views

6:26

What REALLY Happens When You Die Without a Will?

Michael Ruger - Greenbush Financial Group

Shared 6 months ago

605 views

5:52

Putting Your Kids on Payroll: Tax Benefits and Planning Considerations for Business Owners

Michael Ruger - Greenbush Financial Group

Shared 6 months ago

332 views

2:50

Sell in May and Go Away is DEAD

Michael Ruger - Greenbush Financial Group

Shared 7 months ago

122 views

6:24

Understanding Self-Employment Tax: A Guide for the Newly Self-Employed

Michael Ruger - Greenbush Financial Group

Shared 7 months ago

2.6K views

6:50

Behind Closed Doors: How the Fed Makes Interest Rate Decisions - Voting and Non Voting Members

Michael Ruger - Greenbush Financial Group

Shared 7 months ago

231 views

5:23

Should You Withhold Taxes from Your Social Security Benefit?

Michael Ruger - Greenbush Financial Group

Shared 7 months ago

3.1K views

7:38

Trust Roles Explained Easily: Grantor, Trustee, and Beneficiary

Michael Ruger - Greenbush Financial Group

Shared 7 months ago

885 views

5:42

Do You Pay More Taxes When You Get Married? Watch This Before You File

Michael Ruger - Greenbush Financial Group

Shared 8 months ago

880 views

8:46

401(k) Catch- Up: Maximizing Your Retirement Savings

Michael Ruger - Greenbush Financial Group

Shared 8 months ago

576 views

8:05

Should You Put Your House in a Trust or Gift It? Pros, Cons, and the Smarter Move

Michael Ruger - Greenbush Financial Group

Shared 8 months ago

1.1K views

8:28

Should Your Investment Strategy Change When You Retire?

Michael Ruger - Greenbush Financial Group

Shared 8 months ago

393 views

7:43

How Do Executive Non-Qualified Deferred Compensation Plans Work?

Michael Ruger - Greenbush Financial Group

Shared 8 months ago

1.7K views

4:39

The New $6,000 Senior Tax Deduction Explained

Michael Ruger - Greenbush Financial Group

Shared 9 months ago

172K views

6:51

Big Beautiful Tax Bill Overhauls Student Loan Repayment Options: End of the SAVE Program

Michael Ruger - Greenbush Financial Group

Shared 9 months ago

234 views

6:11

Child Tax Credit Increased Under the Big Beautiful Tax Bill

Michael Ruger - Greenbush Financial Group

Shared 9 months ago

3.4K views

3:53

The HSA 6-Month Rule: What Happens When You Enroll in Medicare at Age 65

Michael Ruger - Greenbush Financial Group

Shared 9 months ago

970 views

4:29

The Hidden Cost of Ending Solar Credits

Michael Ruger - Greenbush Financial Group

Shared 9 months ago

454 views

4:16

Very Few Changes Were Made to HSA Account As A Result of The Big Beautiful Tax Bill

Michael Ruger - Greenbush Financial Group

Shared 9 months ago

715 views