NOVEMBER 2025
IRS announces 2026 income tax updatesVIA CBS News
Inflation adjustments are reshaping where income falls in the tax brackets. Could the latest IRS changes lighten your load or push you higher?
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New rule changes 401(k) tax deferral rulesVia CNN
The Secure 2.0 law is rewriting the rules on 401(k) catch-up contributions for older workers. Who stands to gain and who might lose out?
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Things to consider before rolling 401(k) to annuityVIA Bankrate
A 401(k) rollover into an annuity can promise security, but it also limits flexibility and growth. How do you know if it’s worth the trade-off?
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How preparedness bolsters a strong economyVia NerdWallet
Every financially prepared household adds a layer of strength to the broader economy. Here’s how household resilience keeps that foundation firm.
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OCTOBER 2025
Why inflation is called retirees’ greatest enemyVIA CNBC
Bill Bengen has updated his famous 4% rule with new guidance for today’s retirees. Find out what he says you could do to help stretch your income further.
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Steps to take to achieve debt freedomVia Investopedia
Surveys show 84% of people rank being debt-free as one of their most important life goals. But in a culture built on borrowing, is that dream slipping further out of reach?
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Six changes coming to Social Security in 2026VIA Kiplinger
Big changes are coming to Social Security in the year ahead, impacting everything from the size of your benefit check to your full retirement age. Here's what you need to know.
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4 reasons to stay optimistic about today’s economyVia Investopedia
Even with inflation and job market churn, economists see signs of resilience ahead. These four reasons explain why the outlook might not be as worrisome as it seems.
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SEPTEMBER 2025
They Don’t Understand Life Insurance And Overestimate Its CostVIA Life Happens
A majority of people without life insurance say they need it, but myths about cost and complexity can tend to stop them from buying. Even those with some coverage often don’t have enough. So what is it that is really holding them back?
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Cash Balance Pension Plans: The Smart Way To Turbocharge RetirementVia Kiplinger
The IRS allows balances up to $3.5 million under cash balance plans, making them a top option for late savers or high earners. Even better, employer contributions often do the heavy lifting. How might this plan work with your setup?
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Here's Your Potential Tax Cut In 2026 From The One Big Beautiful Bill ActVIA CBS News
Taxpayers may see significant changes in 2026, including expanded deductions and substantial benefits for high earners. But individual outcomes depend on income, deductions, and family size. See how the law might shift your bottom line.
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Five Major Policies To Know From The One Big Beautiful Bill ActVia Fox Business
The One Big Beautiful Bill Act packs in adjustments for tips, overtime, retirement, and more—but some changes are permanent while others will expire in just a few years. Which of these five updates are actually worth your attention?
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Prior Authorization Coming To Traditional Medicare In 2026Via Kiplinger
The Centers for Medicare and Medicaid Services (CMS) are going to start to implement prior authorization requirements for certain traditional fee-for-service Medicare services in six different states starting next year.
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AUGUST 2025
What are life insurance retirement plans?VIA Bankrate
Permanent life insurance can do more than pay a death benefit. Some policies let you build a tax-advantaged cash reserve to tap into later in life. How does that work, and what are the tradeoffs?
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Three financial documents to secure before age 18Via Clark
Turning 18 comes with legal responsibility and some paperwork that most people don’t think about until it’s too late. Learn which documents protect your choices in a medical emergency or legal bind.
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Are investors helping or hurting housing prices?VIA Bankrate
Investor activity is rising just as traditional buyers are backing out—a trend that’s reshaping the market in real time. Are these investors hurting buyers or keeping the housing market afloat?
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Five trust mistakes that drain family savingsVia Due
Trusts are powerful tools for protecting your legacy, but only if they’re built—and maintained—the right way. Here are five common mistakes that can quietly erode everything you set out to protect.
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JULY 2025
Can you buy life insurance for anyone?VIA Bankrate
You can’t just take out a life insurance policy on anyone, but certain relationships may give you that option. Who counts, and what kind of financial connection is enough to make it possible?
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One millionaire’s toughest money conversation everVia CNBC
Even after writing books on personal finance, Ramit Sethi says one money talk with his wife left him feeling nervous, confused, and hurt. What made it so hard, and how did they come out stronger?
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Social Security filings are hitting new highsCBS News
More Americans are filing for Social Security earlier than planned, worried the program won’t be around much longer. Is that fear justified, or could those early claiming decisions come at a steep cost?
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Five things top executives wish they knew earlierVia CNBC
A fulfilling career rarely follows a straight line, and the people who thrive know how to navigate the twists with clarity and intention. These are the lessons they wish they'd followed from day one.
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JUNE 2025
Consider whole life insurance after Fed updatesVIA Bankrate
Now is a good time to diversify your retirement portfolio with a whole life insurance policy.
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Current inflation data shows the whole pictureVia CNN
President Donald Trump promised to lower costs on his first day in office. Here’s how it’s going so far.
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New trend poses risk to Americans’ financial securityVIA Kiplinger
Buy Now, Pay Later used to be a way to snag a new pair of sneakers or cover concert tickets.
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You Can Build Wealth Even With Student Loan Debt — Experts Reveal HowVIA Kiplinger
Building wealth in your 20s isn’t about choosing between paying debt and saving. It’s about managing both.
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MAY 2025
How To Get Life Insurance With A Pre-Existing ConditionVIA Bankrate
Having a pre-existing condition doesn’t mean life insurance is out of reach or automatically expensive.
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Should You Convert Your Tax-Deferred Retirement Savings To A Roth?Via CNN
Paying taxes upfront through a Roth conversion isn’t the right strategy for everyone. Does it makes sense for you?
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Tax-deductible home improvements for retirement in 2025VIA Kiplinger
Renovating for retirement brings a mix of health needs, financial planning, and tax strategy into one big decision.
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What To Do With Your Tax Refund: 6 Ways To Bring GrowthVIA Kiplinger
Use your tax refund to boost short-term or long-term financial goals by putting it in one of these six places.
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APRIL 2025
Designing a life insurance policy for your familyVIA Investopedia
Term or permanent coverage, child or parent riders, trusts or lump sums—there is a lot to weigh when designing a policy. How do you know what’s right for your family?
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Ways to lower Social Security taxes in 2025Via Kiplinger
Even with rising income limits and changing tax laws, many retirees still pay more taxes than expected on Social Security benefits. Here are practical strategies that work.
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Cost of living facts and statistics 2025VIA Bankrate
Cost-of-living shifts in 2025 are reshaping where and how Americans spend. Learn which states are most affordable—and which are getting harder to manage.
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401(k) mistakes that hurt your retirement savingsVIA Investopedia
Many employer-run retirement accounts aren’t getting the oversight they need, and workers are footing the bill. What simple steps can you take to determine if your savings are at risk?
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MARCH 2025
High-Yield Savings Accounts Are Still Beating InflationVIA Bankrate
Inflation reduces the purchasing power of every dollar, meaning the money you have today won’t go as far in the future. Learn how putting your savings in a competitive-yield account can help you stay ahead of rising costs.
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529 Plan Limits Every College Saver Should KnowVIA Bankrate
Parents, grandparents, and even friends can contribute to a child’s 529 plan. Here’s how “superfunding” lets you front-load contributions and avoid gift tax while securing future tuition costs.
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Confused About All The Tax Changes In The Past Decade? Just WaitVIA CNN
Major tax provisions, including the standard deduction increase and child tax credit expansion, could revert to pre-2017 rules if no action is taken. What does that mean for your tax planning and refunds next year?
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5 Ways The Second Trump Term Could Affect Your FinancesVia Kiplinger
The new administration is looking to extend tax cuts, adjust student loan rules, and roll back certain financial regulations. Here’s what’s on the table and how it could shape your financial future.
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FEBRUARY 2025
Roth contributions now offered in most 401(k) plansVIA CNBC
More and more employers are offering Roth 401(k) options, providing a valuable opportunity for retirement savers to diversify their tax strategies. Could you be missing out on the benefits of a Roth 401(k) in your retirement plan?
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IRS raises 2025 retirement plan contribution limitVIA Fox Business
The 2025 retirement plan contribution limits are rising, which will give workers more opportunities to give a boost to their savings. Here is exactly what what all of these updates will mean for 401(k), IRA, and catch-up contributions.
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How to ensure you secure your family’s financial futureVIA Entrepreneur
Building a legacy isn’t just about accumulating wealth—it’s about protecting and passing it on to all of your future generations. How could a trust help you guarantee that your family will reap all of the benefits of your hard work?
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Experts predict mortgage rate changes for 2025CBS News
Economic trends, inflation, and Fed policies are all responsible for shaping the housing market. Here is what the experts are saying about mortgage rates and how you can successfully prepare yourself for your next big move.
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JANAURY 2025
Americans feel optimistic about their 2025 financesVIA Bankrate
More Americans are feeling optimistic about their finances in 2025 as inflation fears subside and the economy shows signs of stability. But could this newfound optimism be misplaced, or are we truly turning a corner?
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Five key changes to 401(k)s in 2025VIA Investopedia
From higher contribution limits to quicker eligibility for part-time workers, 401(k) plans are going to be seeing significant changes in 2025. Here's how you can make the most of these updates.
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Six ways Federal Reserve impacts on your financesVIA Bankrate
Understanding how the Fed's actions affect borrowing costs, savings rates, your job security can empower you to make informed financial choices. Here are six key ways the Fed impacts your money and how to navigate.
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Five reasons entrepreneurs will thrive in 2025VIA Entrepreneur
From a business-friendly political environment to rising consumer confidence, the landscape for entrepreneurs has never looked better. What opportunities could these changes unlock for you?
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NOVEMBER 2024
How financial goals impact business and personal successVIA Entrepreneur
Juggling your priorities in business and personal finances can feel like a tightrope walk, but setting clear financial goals can bring much-needed balance.
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Social Security Tax Limit Jumps 4.4% For The Coming 2025 YearVIA Kiplinger
Social Security adjustments for 2025 include a new wage cap and COLA increase. Learn what these updates mean for your taxes and benefits going forward.
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Real Estate Fees Settlement Created A New Competitive BallgameVIA CNBC
The real estate market just got a shake-up! A recent settlement in a class-action lawsuit against the National Association of Realtors has changed the rules on agent commissions.
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The IRS Will Soon Set Its New 2025 Tax Brackets. Here's What To Expect.VIA CBS News
Planning ahead for your taxes can save you money down the road. But are you aware of the projected changes to tax brackets and standard deductions for 2025?
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OCTOBER 2024
Key facts about unrealized gains taxVIA Kiplinger
President Biden's FY25 budget proposal includes a significant shift in taxing unrealized gains, focusing on the ultra-wealthy. Here’s what this could mean for the future of wealth.
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Comparing gift, estate, and capital gains taxesVIA Kiplinger
Capital gains tax rates might be lower than the gift and estate tax rates, but how you handle your estate and whether you use a trust can make a big difference in taxes owed.
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Seven ways to scale a billion-dollar startupVIA Entrepreneur
Scaling a startup to a billion-dollar valuation is the dream of many entrepreneurs. Here are seven key insights to guide your journey to becoming the next unicorn.
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How to avoid the inherited IRA tax bombVIA CNBC
Inheriting an IRA can be a financial windfall, but it could also trigger a "tax bomb." Are you aware of the potential tax implications and how to avoid them?
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SEPTEMBER 2024
Four financial tasks to finish 2024 strongVIA Kiplinger
Reassessing your finances throughout the year is crucial for optimizing outcomes, but making tweaks in the second half of 2024 is particularly vital.
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Four strategies for financial stability when life changesVIA Kiplinger
Transitions can be hard, stressful and costly. With a little preparation and the right team on your side, you can handle all the curve balls life throws.
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Mortgage rates plunge to lowest in more than a yearVIA CNN
U.S. mortgage rates plummeted after weaker-than-expected employment data raised odds of the Federal Reserve cutting interest rates next month.
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IRS sets final rules for inherited IRAsVIA CNBC
As the IRS finalizes rules on inherited IRAs, understanding the implications of your withdrawal strategy is going to be crucial.
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401(k) rollover advice rule is at riskVIA CNBC
A new Labor Department rule aimed at protecting retirement savers faces legal challenges. Could this jeopardize your retirement savings and leave you vulnerable to conflicted advice?
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Avoiding capital gains tax as a homeownerVIA Kiplinger
The capital gains tax could catch many homeowners by surprise as they find their profits upon selling exceeding their $500,000 exemption. Here’s how strategic planning can keep you under the exemption threshold.
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AUGUST 2024
A new threat to the US economyVIA CNN
As inflation eases, a new concern is rising—unemployment, signaling potential economic shifts. What could this mean for the Federal Reserve’s next moves?
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How to estimate your lifespan for retirementVIA CNBC
Retirement planning isn't just about how much you save. It's also about how long you'll need those savings to last. Here’s why experts say understanding your life expectancy.
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Why it's time to invest in Roth accountsVIA CNBC
Are you still clinging to the traditional "defer, defer, defer" tax strategy? Here’s why a certified public accountant is now advocating for paying taxes at today's historically low rates.
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Smart tax planning tips for entrepreneursVIA Entrepreneur
Entrepreneurs often overlook estate planning, risking significant hidden costs and liabilities. How can smart planning today protect your legacy and reduce estate taxes tomorrow?
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The inflation upside that Americans are ignoringVIA Yahoo! Finance
While Americans lament the rising costs of everyday goods, they may be overlooking a crucial factor: their own increasing wages. (They tend to attribute raises strictly to on-the-job performance or career progression.
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2025 Medicare Parts B and D premium costsVIA Kiplinger
Will your monthly Medicare premiums increase next year? It depends. You’ll want to check if your past income might subject you to IRMAA.
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JULY 2025
Harvard professor identifies a hidden retirement planning gapVIA CNBC
While finances dominate retirement planning discussions, a Harvard clinical professor highlights a critical but often overlooked element: social relationships. Forging strong connections could be the key to a happier, longer life.
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Roth 401(k) Changes: What You Should Know For 2024VIA Kiplinger
Significant changes to Roth 401(k) rules from the SECURE 2.0 Act include eliminating required minimum distributions, which allows your retirement funds to grow tax-free for longer. Will this change how you plan for retirement?
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Six Custom Tax Planning Tips For High-Income Individuals And FamiliesVIA Kiplinger
Effective tax planning requires more than just knowledge of current laws.
Explore how tailored strategies and early planning can lead to significant tax savings for high-income earners and their families. |
Expectations for 2024’s second-half housing marketVIA CNBC
Despite a slight softening in some metropolitan areas, overall U.S. home prices are expected to hit new highs this summer.
What does this mean for buyers hoping for a cooldown? |
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Does An Assumable Mortgage Make Sense In Today's Rate Environment?VIA CBS News
Assumable mortgages offer a unique advantage by potentially allowing homebuyers to inherit a seller's lower interest Rate. This option could significantly reduce one's financial burden in a high-rate environment
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JUNE 2024 |
Key signs you’re financially healthier than you thinkVIA Yahoo! Finance
Financial stability may be closer than it appears, especially if you’re not living paycheck to paycheck or carrying credit card debt. Here are signs that you’re financially healthier than you might think.
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Americans worry about the economy and inflationVIA Yahoo! Finance
As inflation concerns persist, US consumers’ confidence in the economy continues to wane, says a consumer sentiment survey. Here’s how rising inflation expectations are shaping perceptions.
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Seven key IRA withdrawal dates for taxpayersVIA Bankrate
IRA rules can be complex, but knowing the right withdrawal times can save you from costly penalties.
Here are the critical dates and strategies. |
Working past retirement age on the riseVIA CNN
Rising costs and insufficient retirement savings are pushing more Americans to extend their working years beyond the traditional retirement age. Here’s how economic pressures and evolving job markets affect older workers.
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MAY 2024
Understanding revocable trusts in estate planningVIA Kiplinger
Thinking about estate planning? Here’s why revocable trusts are favored for their flexibility and tax benefits and how they compare to irrevocable trusts.
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How much Americans spend daily in retirementVIA Entrepreneur
The average retiree spends over $52,000 per year, but the median income is only $47,620! What does this mean for how comfortable you’ll be in retirement?
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The pros and cons of 401(k) loansVIA Bankrate
A 401(k) loan might feel like “free money,” but it could cost you big in the long run. Discover the hidden drawbacks and why exhausting other options first is crucial.
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Three must-know rules for Roth IRA ownersVIA Motley Fool
Navigating the complexities of Roth IRAs can be crucial for your financial future. Here are some income restrictions, the five-year rule, and tax-free withdrawal conditions.
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Should you worry about Social Security?VIA Kiplinger
Decades of economic shifts have quietly eroded the foundation of Social Security. Will future retirees have to rely more on savings, work longer, or accept drastically reduced benefits?
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APRIL 2024
Use trusts for estate planning to avoid probateVIA Kiplinger
Want to avoid frustrating beneficiaries with lengthy probate delays? Learn how trusts can streamline the inheritance process.
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The types of income the IRS doesn’t taxVIA Kiplinger
It may feel like the IRS taxes most of your hard-earned money, but some types of income are nontaxable. What are they?
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Differences between 403(b) and 401(k) accountsVIA Bankrate
If you’re looking at retirement accounts, you may come across the 403(b) and the 401(k) plans. Here’s how both plans work.
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Tax implications when splitting assets in divorceVIA Kiplinger
Splitting 401(k) assets in a divorce can lead to unintended tax consequences. However, there are ways to avoid financial penalties.
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Home prices outpace income growth after fourteen monthsVIA Yahoo! Finance
Home prices are rising faster than incomes, and inventory is tight. It’s a good time to be a seller, but there are challenges for first-time buyers.
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Choosing between Medigap and Medicare AdvantageVIA US News
Discover the critical differences between Medigap (Medicare Supplement) and Medicare Advantage to determine which plan is right for you.
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MARCH 2024
Required retirement savings to live in US statesVIA CNBC
Retiring comfortably in the U.S. requires a hefty savings account, with the cost fluctuating vastly across states.
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Key IRS tax changes for this tax seasonVIA Kiplinger
Tax deductions, tax credit amounts, and some tax laws have changed since you filed your last federal income tax return. They may affect your tax bill.
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Housing market predictions for 2024 - 2028VIA US News
As mortgage rates slowly fall, more buyers and sellers will enter the market, but housing prices should stabilize.
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Why estate planning is essential for everyoneVIA CNBC
Advanced planning can protect your legacy and make an emotional time significantly easier for some of your loved ones.
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Is supplemental insurance necessary with Medicare?VIA NerdWaller
Medicare Supplement Insurance, or Medigap, is an optional add-on that can fill “gaps” in Medicare Part A and Part B. Do you need it?
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Mastering money for personal wealth in five stepsVIA Entrepreneur
Embarking on the journey to personal wealth involves distinct phases, each with its unique goals. From covering basic expenses to securing one’s future, giving back, and planning for heirs, these are the five stages of personal wealth.
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FEBRUARY 2024
Five 2024 policy shifts that can affect retirement savingsVIA CNBC
A piece of legislation known as Secure 2.0 passed Congress in 2022 and brought with it a raft of changes to the rules surrounding Americans’ retirement savings.
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Five best financial moves to make in 2024VIA Kiplinger
Unlike many resolutions that require constant vigilance, such as dieting or exercising, you only have to take a few steps to improve your financial health and security in 2024 and the future.
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Expectations for buying a house in 2024VIA NerdWallet
The market remains tough for buyers, but there’s still no time like the present to start shopping. The long-term benefit of buying often outweighs the pain of toughing out the search.
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Your number-one financial resolution for 2024VIA CNN
From reevaluating your spending habits to understanding the true value of money in your life, learn how to make your finances work towards your personal happiness and security.
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What to know about 2024 tax filing seasonVIA CNBC
The IRS will start accepting and processing 2023 tax returns for individual filers on January 29. Most taxpayers must file federal returns and pay balances by April 15 to avoid penalties and interest.
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What do lower interest rates mean for retirees?VIA US News
Lower interest rates pose a dual-edged sword for fixed-income investors, experts say. With the Federal Reserve likely to cut interest rates, here’s how retirees may approach their investment portfolios.
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Jason A. Frederico
CFP®, ChFC®, CLU®, RICP®, CLTC® |
Park Avenue Securities Form CRS
Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 5280 CARROLL CANYON ROAD, SUITE 300, SAN DIEGO CA, 92121, 619-684-6400 . Securities products and advisory services offered through PAS, member FINRA, SIPC. By providing this content Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. WestPac Wealth Partners, LLC is not an affiliate or subsidiary of PAS or Guardian. Insurance products offered through WestPac Wealth Partners and Insurance Services, LLC, a DBA of WestPac Wealth Partners, LLC. CA Insurance License #0G14394. 7031678.1 Exp 09/26
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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