Creating & Preserving Wealth for Generations
Services & Specialties
Retirement
Planning
Estate
Planning
Financial
Planning
Investment
Management
Tax
Planning
Meet the Team
Teresa Robinson, CFP®
Financial Advisor
Teresa joined Sage Rutty & Co. in April of 2013. Teresa received an undergraduate degree from Mercyhurst College where she graduated Summa Cum Laude. She went on to earn a Master’s Degree from Nazareth College in Art Therapy.
She completed her Certified Financial Planner® certification, the standard of excellence in financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure tomorrow.
Teresa is licensed in New York State in Life, Accident, and Health Insurance and she holds Series 7, 63 & 65 licenses with the Financial Industry Regulatory Authority (FINRA).
Katie started her career at Sage Rutty and recently returned to continue in a client support role. She has been in the financial industry for over 20 years and looks forward to assisting you.
When not at work, Katie enjoys spending time with her dogs and family. She volunteers with Operation Freedom Ride and is captain of her Neighborhood Watch, working closely with the local police department. She likes to cook, garden and reading.
Our insurance representative will help you find a plan that best suits your needs. Whether it's a Medicare Advantage Plan or a Medicare Supplement Plan, our specialist has the information that you need to make the right decisions. We will analyze the costs and benefits, using your specific individual information and recommend the plans that provide you with the greatest coverage and value.
Financial Planning Department
One of the many benefits of working with a Sage Rutty Advisor is the access you receive to our Financial Planning Department.
Working in tandem with our advisors, the Financial Planning Department, led by Aaron Young, CFP®, CRPC®, CHSA®, AIF® and Vince Carson, CPA, provides decades of experience in the Financial Planning realm.
2023 IRA Contributions
2023 contribution limit is $6,500.
If you are older than 55, you can contribute an additional $1,000 under the catch-up provision. You can still make 2022 IRA contributions through your tax filing deadline, April 18th, 2023.
Click below to contact us about making your IRA contribution.
Do You Have A Power of Attorney?
Do You Have A Power of Attorney?
Why do we ask for a copy of your POA as part of your record?
We cannot stress the importance of having a POA on file.
In the event of a sudden illness or incapacitation, we would need to have this document on file in order to work with whoever would be acting on your behalf. Not having this on record could hinder our ability to help in a time of need.
When is the last time you updated your POA? Did you name a Successor POA?
Periodic Review of Your Beneficiaries is an Essential Piece of Financial and Estate Planning.
What has changed since you first enrolled in your employer's retirement plan, purchased your life insurance plan, rolled over your 401(k), opened your IRA, established a Transfer on Death (TOD) account? Has anything changed due to death or divorce? Is a child with special needs named as a beneficiary?
Did you name your Estate as a beneficiary? Did you name a contingent beneficiary?
If your beneficiaries do not align with your Financial or Estate Plan, your wishes may not be carried out.
5 Ways to Identify an IRS Scam
The IRS will never do the following:
1. Call and demand immediate payment of a tax bill.
2. Demand you pay taxes without giving taxpayers the chance to question or appeal the amount they owe.
3. Require use of a specific method of payment like a prepaid debit card.
4. Ask for a credit card number over the phone.
5. Threaten to call the police to have someone arrested if a bill is not paid immediately.
Things You Can Do to Fight Medicare Fraud
• Review your Medicare claims for accuracy.
• Remember that Medicare does not call or visit your home to sell you anything.
• Be suspicious of anyone who asks for your Medicare number in exchange for free medical services or supplies.
• Ask questions about your bill, Medicare statements, and Explanation of Benefits.
• Report errors and any suspicious activity.
• You can access your Medicare account 24 hours a day at
Never share your your Social Security, Medicare or credit card numbers over the internet, on the phone or to anyone who visits your home uninvited.
