Greenbush Financial Group - Albany (NY)

5 /5 Stephanie Langer: Found Michael Rugers YouTube and blog post regarding inherited IRAs. He gave a more clear and understanding explanation of the 10-year Rule and Designated Eligible Beneficiaries. His posts are more current than any others I found. Michael also responded to my inquiry within 24 hours; which surprised me since I was expecting a later response since I sent my message so close to April 15, assuming he would be busy assisting his paying clients in preparation of tax day and with questions regarding the current bouncing of the stock markets.

5 /5 J S: Recently requested a brief phone consultation with financial planner Michael Ruger. Michael was both personable and professional. He was knowledgeable about my particular inquiry. Provided guidance without attempting to sell his services. Much appreciated.

5 /5 Jennifer Hines: I was looking for more information around a minor child receiving social security retirement benefits after a parent starts drawing their benefits. The social security website doesnt have a lot of good information. I saw a video on YouTube that Michael did explaining this topic. I had some additional questions and emailed him. He emailed me back quickly and was very helpful. I greatly appreciate the fact that he responded and shared additional information with me. I recommend Michael Ruger! Very helpful!

5 /5 Penny: Ive had two enlightening consultations with Michael Ruger. Hes very knowledgeable and great at adapting his insights to your specific circumstance and questions. Hes also friendly and easy to talk to. Im happy to have found him.

5 /5 Steven Higgins: Michael Ruger, and later with a follow up question Brad Harkness, were immeasurably generous and helpful with their time and advice. I had a question about joint beneficiaries of an inherited IRA that I could not find an answer to anywhere. I had contacted both law firms and accounting firms locally and across the country that advertised on the internet that they were experts in estate taxation and was told that they did not do what I was asking about or they did not return my calls or emails. Eventually, I found Mr. Rugers videos and in them he got very close to what I was inquiring about but not completely. So I called Greenbush Financial Group and was able to speak in person with Mr. Ruger. He was very personable and helpful and seemed to take an actual interest in helping me. The next day I called the financial company that had the IRA with and was told something that sounded odd. I again called Greenbush Financial and asked to speak with Mr. Ruger, but he was out of the office and a very nice gentleman (Brad Harkness) said maybe he could help me. So, I told him the situation, and he too thought that what I was told seemed strange and he said that he would research the matter and get back with me the next day. He called me back the next day and told me the conclusion he had come to. Both of these gentlemen were very helpful, friendly, insightful and knowledgeable. They obviously have a wonderful company culture at Greenbush Financial.