Recent Posts

Stonegate Financial Group Shares 3 Tips for Holiday Budgeting

Wanting to save up some extra money at the end of the year in order to buy some gifts, take a vacation, pay off some of your debt or for any other reason? The professional financial advisors at Stonegate Financial Group, including the firm’s CEO, Jameson Van Houten, are sharing these tips for budgeting success this fall. For more information and tips, contact us today!

read more

How to Control Your Spending: Tips from Stonegate Financial Group’s Jameson Van Houten

Stonegate Financial Group Jameson Van Houten knows that controlling spending can oftentimes be hard for young adults. They oftentimes have just started a career where they not have more income than they have ever had previously. However, they oftentimes also have more responsibilities and expenses than ever before, living on their own and paying for bills, rent and responsibility.


With so many expenses, Stonegate Financial Group Jameson Van Houten knows that it might seem like there is no extra income at the end of the month to devote to saving for the future. However, this is simply not true. The best rule of thumb to follow is always to spend less than your paycheck is, of course. Credit cards can sometimes make this a tricky feat to accomplish, so it’s best to keep track of everything spent and always pay off the entire credit card payment when it comes in at the end of your pay period.


It’s a good idea to set up a budget for yourself each month and account for everything that will be spent in the payperiod. It’s also important to stay educated on the best ways to save money and get the most value for each and every dollar you spend. Some of the biggest places that people spend money are at the gas station, grocery store and on rent/house-related bills. Try to find a gas station with lower prices than others, use manufacturer and store coupons and try to conserve both water and energy in order to reduce costs at the end of the month.

read more

IRA Accounts and You: The Pros and Cons and What You Need to Know

Looking to invest in an IRA account? Here’s what you’re going to need to know before investing in this popular retirement savings options.
read more

Stonegate Financial Group Jameson Van Houten Discusses Transferring 401k Accounts

After leaving one job for another opportunity elsewhere, many people are confused or are not fully informed about all of the options available to them regarding their 401(k) account with their previous employer. For more information, Stonegate Financial Group Jameson Van Houten shares some of the options that people have available to them.

Jameson Van Houten of Stonegate Financial Group reveals how to transfer a 401K account.

401K Transfers are discussed by Stonegate Financial Group and Jameson Van Houten

read more

Stonegate Financial Group Jameson Van Houten Shares Some Ways to Assess the Worth of a Business

Stonegate Financial Group Jameson Van Houten shares some of the reasons why businesses should really assess how much they are worth, and just three of the ways that this leading financial advisor does so. While this is not a cut-and-dry process and there are many different factors to consider, here are just a few of the ways that financial advisors determine the value of a business.

read more

Stonegate Financial Group Jameson Van Houten Reveals Why Saving for Retirement Now is so Urgent

Stonegate Financial Group Jameson Van Houten always encourages people to start saving for retirement as soon as possible. While this might seem as something that is unnecessary for young people to do so early in their careers, it truly is something that everyone should be doing as soon as possible. The sooner that young adults start saving for retirement, the longer that that money has the chance to grow and build into something that they can use and live off of later in life.


One of the best ways to start putting a lot of money away for retirement is to boost your contributions in your company’s 401k plan, or to increase the amount of money that you are setting aside for retirement. If you cannot afford to give up more money that you currently are putting away for retirement, putting in some money from bonuses and even birthday money will go a long way towards creating a better state of life in the future.


Another tip that Stonegate Financial Group Jameson Van Houten gives to young adults on a regular basis is to diversify their portfolios and ways of saving for retirement early on. Those who have just started their careers have a lot more flexibility in the types of things they invest in, so this is really the best time to diversify and explore all the options that are available to you. It can oftentimes be confusing and scary to put your hard-earned money into something, so enlisting the help of a professional financial advisor can really help in navigating the waters of investment. For more information about Stonegate Financial Group and the services that they offer, contact them today by visiting

read more

Stonegate Financial Group Jameson Van Houten Discusses When A Backdoor Roth IRA Is Not Your Best Option

Stonegate Financial Group Jameson Van Houten knows that people who earn high incomes cannot directly pay into Roth IRAs, though they offer many benefits over other IRAs. Instead, people who earn more must contribute to the less advantageous traditional IRAs. However, recent changes made by Congress allow people to transfer their traditional IRAs into Roth IRAs, and this can be a great investment for many people. That being said, Stonegate Financial Group Jameson Van Houten knows that it is not the best choice for everyone, and there are several factors that may make a Backdoor Roth IRA the wrong choice for you. The following are the factors are factors that could make you ineligible for a Backdoor Roth IRA, or hinder the benefits of one.

  • Age Restrictions: If you cannot still add to a traditional IRA because of your age, you cannot transfer to a Roth IRA.
  • If you have an existing IRA: IF you have been paying into a traditional IRA already, any interest you have been receiving on that money will be taxed when you transfer it to Roth IRA, so depending on how much you have already invested, you may have to pay far more in taxes.
  • Early Withdrawals: You must wait until you are 59 ½ or until you have had the Roth IRA for 5 years before you can withdraw money from it. If you do not see yourself having this time before you need to make withdrawals, you may want to reconsider it or risk penalty fees of 10%.
  • Tax Changes: If you expect to be in a lower tax bracket in the follow years and can pay directly into the Roth IRA or if you plan on moving somewhere with drastically different tax laws, including low or no state income tax, a Roth IRA may not be the best choice for you.
read more

Things to Keep in Mind when Saving for Retirement from Stonegate Financial Group James Van Houten

Stonegate Financial Group James Van Houten knows the dire need for retirement savings, but many people have difficulty saving or think that they will not be able to do it. However, there are things that can be easily done to put money toward retirement saving and get yon on track for that time in your life.

First, it is very important to start saving early. The younger people are, the less they see the necessity for retirement savings, and don’t realize that they should be putting money away until later when they have less time to save. Even if you are nowhere near retirement, putting money towards it can only help you. Get started as soon as you can and when you start to reach retirement age, not only will you have less worries, you will probably also have a lot more money put away.

The easiest way to do this is to put money away every month. Treat it like a bill that you have to pay and put away the same amount every month and do not spend money on leisurely activities or new items until you have put that amount of money away. Treating savings like a necessity instead of an option will make you put that money away and ensure that you have it later on.

If you follow these tips from Stonegate Financial Group James Van Houten, you will be able to save money and get on the right track for retirement, no matter how old you are or what stage or life you are in.

read more

Stonegate Financial Group Jameson Van Houten Provides Advice for Recent Estate Beneficiaries

Stonegate Financial Group Jameson Van Houten knows that often, coming into a large inheritance from a loved one or relative comes at an emotionally trying and difficult time. It is important, therefore to make sure that an decisions that are mare are well-thought out and considered for a great length of time. There is nothing worse than making a hasty and emotionally driven decision and then regretting it later on.

One of the first things that recent beneficiaries must consider is how the inheritance money fits in with their personal business plans. While a greater lump sum of money is a blessing, oftentimes, things like investments, insurance, estate planning and additional taxes all need to be taken into consideration first and foremost.

Stonegate Financial Group Jameson Van Houten understands that inherited assets can sometimes carry lots of sentimental value, but how to liquidate the asset should be considered if it is extremely beneficial to your overall financial plans. Depending on the type of asset that it is and depending on how complex the asset is (like businesses, etc.), taxes and other liquidity issues should be considered with an experienced financial planner. More importantly, there are penalties that can be incurred for mishandling inherited retirement accounts, so it is always advisable to enlist the help of a trusted and certified professional in these matters.

read more