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U.S. Service Members should consider taking advantage of programs that are available. #MilitaryFamilies

🚨Are major changes ahead for your estate strategy?🚨 With National Estate Planning Awareness Week just around the corner, it's the perfect time to examine your legacy strategy more closely, especially since some changes may be on the horizon. The Tax Cuts and Jobs Act (TCJA) of 2017 increased estate tax exemptions, but unless Congress acts, these changes expire at the end of 2025, according to a 2024 report from the Tax Foundation. ➡️ Here's what you need to know: 👉 2024 Exemption: $13.61M for individuals, $27.22M for couples. 👉 Post-2025: The exemption amount will revert to 2017 levels (adjusted for inflation). Why Act Now? With potential changes on the horizon, taking a proactive approach may put you in a better position to manage your estate in 2026 and beyond. 💡 Everyone should consider creating an estate strategy. A financial professional can monitor the landscape of estate law and keep you updated on the status of potential changes! #nationalestateplanningweek #estatestrategy #financialguidance

Are you someone who owns an S&P 500 index fund? Perhaps it is part of your company-sponsored retirement plan. Keep this in mind: The S&P 500 has changed since 2023, with large-cap technology stocks playing a larger role in index performance. In fact, technology and financial stocks make up roughly 40% of the S&P 500, up from less than 15% in 2023, according to a July 2024 report in the Wall Street Journal. Tech stocks alone represent about 30% of the index! 🚀 🔍 Other Insights for the WSJ report: ➡️ Increased Sensitivity: The index is now more sensitive to interest rates due to its tech and financial stock concentration. ➡️ Global Correlation: There's a higher correlation with other global indexes, which some investors may be overlooking. ➡️ Implications for Diversification: The S&P 500 offers some diversification, but it may be more limited at this point. Remember, diversification is an approach to help manage, but not eliminate, investment risk if security prices decline. ➡️ Past Performance: The S&P 500 Composite Index is an unmanaged index that is considered representative of the overall U.S. stock market. Index performance is not indicative of the past performance of a particular investment. Past performance does not guarantee future results. Individuals cannot invest directly in an index. If the S&P 500 is part of your investment strategy, you may want to take a closer look at the index. Connect with us if you need help. #MagnificentSeven #financialprofessional

Protecting you or your company from a civil claim may require an #insurance coverage you have never heard of.

Where there's a will there's a way. Don't leave your estate unattended—update your documents.

Stocks advanced last week despite mixed inflation data, lurching oil prices, and lingering anxiety about the Middle East. The Standard & Poor’s 500 Index gained 1.11 percent, while the Nasdaq Composite rose 1.13 percent. The Dow Jones...

🚨 Medicare Open Enrollment is here! 🚨 Key Dates: 🗓️ Start: October 15, 2024 🗓️ End: December 7, 2024 This annual window is your opportunity to: 🔍 Review Your Coverage: Ensure your current plan still meets your needs. 📊 Compare Plans: Explore new options that might offer better benefits or lower costs. 🔄 Make Changes for 2025: Adjust your plan to better suit your health and financial situation. 💡 Did You Know? 👉 Medicare Advantage Plans: These often include extra benefits like vision, dental, and wellness programs that Original Medicare doesn't cover. 👉 Prescription Drug Plans: Even if you don't take many medications now, enrolling in a Part D plan can protect you from high costs in the future. 👉 Medigap Policies: These supplemental plans can help cover out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles. #FinancialFriday #MedicareEnrollment #Retirement #HealthCoverage #SeniorCare

Discover the YOLO Economy and why Millennials are prioritizing experiences over material things in this thought-provoking article. #YOLO #Millennials #WealthTransfer

Have you used a junk-drawer approach to manage your investments? #InvestmentStrategy

🚨 Are You Doing These to Protect Your Identity? In today's digital age, identity theft is a major threat. Take a moment to check if you're taking these steps to help safeguard your personal and financial info: ✅ Freeze your credit: Prevent unauthorized access to your credit report by freezing your credit ✅ Don’t let your mail sit uncollected for too long. Don’t give thieves time to steal sensitive documents from your mailbox. ✅ Consider shredding documents with personal information. A household shredder can be used on documents with personally identifiable information. ✅ Opt out of prescreened credit offers: Manage the risk of fraud. ✅ Use unique passwords: Don’t use the same password for your accounts. ✅ Bypass the PIN at the gas pump. Use your zip code instead of your PIN, if possible. ✅ Safe disposal of digital devices. Properly disposing of old digital devices is a key–but often overlooked–part of identity theft. ✅ Consider identity theft protection services for added security. If you suspect identity theft, watch for signs like unexpected bills or loan denials. The next step to consider is placing fraud alerts or security freezes on your credit reports. Protecting your identity is crucial for financial health. Stay vigilant and implement these measures. If you have concerns, reach out. We're here to help provide you with information that can help improve your personal finances. 💼💡 #IdentityTheft #PersonalFinance #WealthPreservation #CyberSecurity