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Unveiling the Benefits of Health Savings Accounts (HSAs) Health Savings Accounts (HSAs) have been gaining popularity as a smart and tax-efficient way to save for medical expenses. In this blog post, we will dive deep into the world of HSAs as discu…
The Art of Organizing Financial Records: A Comprehensive Guide In this digital age, keeping track of our financial documents and records is crucial for maintaining financial health and being prepared for any potential audits or financial decisions.…
The Rising Dilemma of Out of Control Tipping The culture of tipping has undeniably evolved over the years, but has it spiraled out of control? In today's episode of the podcast, we delve into the phenomenon of TIPFLATION - the term coined to descri…
Accountant, Author, Farmer and Podcast Host
Ralph V. Estep, Jr. is a highly accomplished professional with a diverse background in finance, accounting, technology, and entrepreneurship. As the principal at Saggio Management Group, Inc., he has demonstrated exceptional leadership and expertise in various roles throughout his career.
Ralph's educational journey began at St. Mark's High School in Newark, Delaware before attending the University of Nebraska where he was an esteemed member of the Cornhusker Marching Band and had the privilege of performing at the Florida Citrus Bowl in Orlando.
Continuing his pursuit of knowledge and excellence, Ralph earned a Bachelor of Science Degree in Accounting from the University of Delaware. He further expanded his academic achievements by obtaining a Master's in Business Administration from Wilmington University.
Throughout his professional journey, Ralph has been recognized for his outstanding accomplishments and commitment to excellence. He is a member of prestigious organizations such as the Golden Key National Honor Society and Beta Gamma Sigma International Business Honor Society.
With an extensive range of professional designations including Licensed Public Accountant (LPA), Accredited Business Accountant (ABA), Accredited Tax Advisor (ATA), Accredited Tax Preparer (ATP), and Internal Revenue Service Registered Tax Preparer (RTRP), Ralph possesses comprehensive expertise in tax preparation and financial management.
Beyond his impressive qualifications, Ralph has actively engaged with various community programs as bo… Read More
