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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7:13

How Long Will $1 Million Last in Retirement?

Michael Ruger - Greenbush Financial Group

Shared 2 days ago

102 views

3:41

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

Michael Ruger - Greenbush Financial Group

Shared 1 week ago

145 views

8:14

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

Michael Ruger - Greenbush Financial Group

Shared 2 weeks ago

142 views

7:26

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

Michael Ruger - Greenbush Financial Group

Shared 3 weeks ago

143 views

6:35

Will Social Security Be There When You Retire?

Michael Ruger - Greenbush Financial Group

Shared 1 month ago

157 views

6:10

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

Michael Ruger - Greenbush Financial Group

Shared 1 month ago

381 views

6:20

Surviving Spouse Financial Checklist: 5 Important Action Items

Michael Ruger - Greenbush Financial Group

Shared 1 month ago

123 views

6:42

How to Protect Yourself from Stock Market Crashes in Retirement

Michael Ruger - Greenbush Financial Group

Shared 1 month ago

142 views

6:20

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

Michael Ruger - Greenbush Financial Group

Shared 1 month ago

1.1K views

6:26

What REALLY Happens When You Die Without a Will?

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

235 views

5:52

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

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

154 views

2:50

Sell in May and Go Away is DEAD

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

88 views

6:24

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

Michael Ruger - Greenbush Financial Group

Shared 2 months ago

353 views

6:50

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

Michael Ruger - Greenbush Financial Group

Shared 3 months ago

147 views

5:23

Should You Withhold Taxes from Your Social Security Benefit?

Michael Ruger - Greenbush Financial Group

Shared 3 months ago

751 views

7:38

Trust Roles Explained Easily: Grantor, Trustee, and Beneficiary

Michael Ruger - Greenbush Financial Group

Shared 3 months ago

318 views

5:42

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

Michael Ruger - Greenbush Financial Group

Shared 3 months ago

244 views

8:46

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

Michael Ruger - Greenbush Financial Group

Shared 3 months ago

392 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 3 months ago

705 views

8:28

Should Your Investment Strategy Change When You Retire?

Michael Ruger - Greenbush Financial Group

Shared 4 months ago

272 views

7:43

How Do Executive Non-Qualified Deferred Compensation Plans Work?

Michael Ruger - Greenbush Financial Group

Shared 4 months ago

985 views

4:39

The New $6,000 Senior Tax Deduction Explained

Michael Ruger - Greenbush Financial Group

Shared 4 months ago

80K views

6:51

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

Michael Ruger - Greenbush Financial Group

Shared 4 months ago

213 views

6:11

Child Tax Credit Increased Under the Big Beautiful Tax Bill

Michael Ruger - Greenbush Financial Group

Shared 4 months ago

2.2K views

3:53

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

Michael Ruger - Greenbush Financial Group

Shared 4 months ago

597 views

4:29

Residential Solar Tax Credit Eliminated in the Big Beautiful Tax Bill: What It Means for Homeowners

Michael Ruger - Greenbush Financial Group

Shared 4 months ago

412 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 5 months ago

659 views

3:29

PTET Survives Big Beautiful Tax Bill: Why This Pass-Through Entity Tax Loophole Still Matters

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

236 views

3:01

EV Tax Credit Eliminated By The Big Beautiful Tax Bill: What You Need to Know Before Time Runs Out

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

215 views

6:27

New Auto Loan Interest Deduction Under the Big Beautiful Tax Bill: What You Need to Know

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

4.2K views

6:42

Tax-Free Tips and Overtime: What the Big Beautiful Tax Bill Means for Workers

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

343 views

2:37

Estate Tax Exemption Raised to $15M Under Big Beautiful Bill

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

468 views

6:32

The New $40,000 SALT Cap: What It Means for Taxpayers After the Big Beautiful Tax Bill

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

1.1K views

12:20

Optimizing the Order of Withdrawals In Retirement

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

472 views

10:36

Social Security: Complete Guide of Benefits | Retirement, Spousal, Survivor, & Child Benefits

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

279 views

11:26

Still Working at 65? Avoid These Medicare and Social Security Mistakes

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

859 views

5:44

Exceptions to the 10% Early Withdrawal Penalty for IRA Distributions

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

510 views

7:07

Should You Gift Stock Now or Wait For Heirs to Inherit? A Case for Both

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

377 views

8:37

How To Minimize Taxes on Social Security (2025 Planning Guide)

Michael Ruger - Greenbush Financial Group

Shared 5 months ago

313 views

6:21

5 Sources of Non Taxable Income in Retirement You Might Be Overlooking

Michael Ruger - Greenbush Financial Group

Shared 6 months ago

443 views

8:05

The Rules for Moving to Avoid Paying Capital Gains Taxes

Michael Ruger - Greenbush Financial Group

Shared 6 months ago

475 views

5:24

Tax Benefits of Investment Losses: Claiming the $3,000 Deduction

Michael Ruger - Greenbush Financial Group

Shared 6 months ago

371 views

9:02

401(k) Catch-Up Contribution FAQ: Your Top Questions Answered (2025 Rules)

Michael Ruger - Greenbush Financial Group

Shared 6 months ago

743 views

7:37

How to Avoid the New York Estate Tax Cliff

Michael Ruger - Greenbush Financial Group

Shared 6 months ago

609 views

5:35

How Transfer on Death Accounts (TOD) Help You Avoid Probate

Michael Ruger - Greenbush Financial Group

Shared 6 months ago

1.5K views

10:21

Roth Conversions - How To Create Tax-Free Generational Wealth

Michael Ruger - Greenbush Financial Group

Shared 7 months ago

324 views

8:05

Tuition Gift Tax Hack Every Parent Should Know

Michael Ruger - Greenbush Financial Group

Shared 7 months ago

412 views

17:33

Don’t Miss The NUA Election for Company Stock in Your 401(k)

Michael Ruger - Greenbush Financial Group

Shared 7 months ago

1K views

8:24

The Hidden Tax Traps in Retirement Most People Miss

Michael Ruger - Greenbush Financial Group

Shared 8 months ago

329 views

9:44

Trump Has The Stock Market and Fed Cornered

Michael Ruger - Greenbush Financial Group

Shared 8 months ago

237 views

5:36

How To Protect A Roth IRA from the Medicaid Spenddown Process

Michael Ruger - Greenbush Financial Group

Shared 8 months ago

548 views

6:40

How To Avoid Social Security Income Penalty

Michael Ruger - Greenbush Financial Group

Shared 8 months ago

873 views

10:20

Can You Break an Irrevocable Trust?

Michael Ruger - Greenbush Financial Group

Shared 8 months ago

515 views

7:47

Mandatory 401K Roth Catch-up Contributions Confirmed By IRS January 2025

Michael Ruger - Greenbush Financial Group

Shared 8 months ago

5K views

8:54

Inherited IRA $20,000 State Tax Exemption for New York Beneficiaries Under Age 59 ½

Michael Ruger - Greenbush Financial Group

Shared 8 months ago

495 views

6:16

2025 Trump Tariffs: How the stock market historically reacts to tariffs

Michael Ruger - Greenbush Financial Group

Shared 10 months ago

396 views

12:33

Simple IRA Max Contributions 2025+: New limits, 60 - 63 Catch-up, 10% Additional, and Roth Deferrals

Michael Ruger - Greenbush Financial Group

Shared 10 months ago

1.5K views

13:50

Donor Advised Funds: How to Give More & Pay Less in Taxes

Michael Ruger - Greenbush Financial Group

Shared 11 months ago

359 views

6:41

Rules for Using A 529 Account To Repay Student Loans

Michael Ruger - Greenbush Financial Group

Shared 11 months ago

409 views

8:37

UTMA Accounts: Tax Filing and Kiddie Tax Rules

Michael Ruger - Greenbush Financial Group

Shared 11 months ago

1.3K views