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At Macrocarpa Wealth Management, we are committed to sharing current information that is both relevant and important to our clients. If you would like to discuss any of the below topics in further detail, please contact the office: (701)407-6003

Tuesday, April 28, 2026

Whether wealth is accumulated through a business, career, or liquidity event—or built gradually over decades—a meaningful legacy does not happen by accident. Here’s what we know based on decades of market history and family-wealth...

Thursday, April 23, 2026

Retirement is more than a finish line—it’s a strategic window. You have more time, more clarity, and (often) more perspective than you did in the accumulation years. That matters, because for many families, the most valuable thing you...

Thursday, April 16, 2026

If you’re seeking to expand your understanding of money management concepts, techniques, and strategies, there’s no better time than during National Financial Literacy Month, which takes place each year in April. Financial Literacy Month...

Tuesday, April 14, 2026

For many families, passing down the values that shaped their financial success is just as important as transferring the wealth itself. Yet parents and grandparents often find it challenging to clearly communicate principles around...

Tuesday, April 7, 2026

Teaching kids about money can feel intimidating—especially when you’re still navigating your own financial decisions. But here’s what we know: the foundation for lifelong financial confidence isn’t built in one big “money talk.”...

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Sunday, April 5, 2026

Reflect on Easter’s meaning, simple ways to connect with loved ones, and a short Q&A to make the holiday more intentional and family-centered...

Thursday, April 2, 2026

All three major indices declined in March, with the Dow Jones Industrial Average leading the sell‑off, down 5.2%. The S&P 500 fell 5.0%, while the tech‑heavy Nasdaq Composite fared slightly better, declining 4.7%. Small‑cap stocks also...

Wednesday, April 1, 2026

As retirement approaches, most people focus on the financial transition ahead—shifting from saving to spending, creating reliable income, and planning for longevity. That’s necessary. But there’s a second transition happening at the same...

Friday, March 27, 2026

As Women’s History Month comes to an end, it offers a meaningful moment to reflect on the extraordinary progress women have made—and the work that still lies ahead in the pursuit of financial equity and empowerment...

Tuesday, March 24, 2026

Retirement isn’t the end of planning; it’s the start of a new chapter called the distribution phase. This stage focuses on preserving savings, creating reliable income, and preparing for surprises. With the right habits, you can enjoy...

Thursday, March 19, 2026

Whether you’re just starting out on your wealth-building journey or closing in on retirement, here are some tips that can help you remain on track toward your goals at every stage of life...

Tuesday, March 17, 2026

Happy St. Patrick's Day! Every March 17th, people across the world don green clothing, raise a glass, enjoy parades, and celebrate the lively spirit of St. Patrick’s Day. But beyond the shamrocks and festivities lies a rich history wove...

Thursday, March 12, 2026

Retirement marks a new chapter, one that often requires a shift in both strategy and mindset. After decades of saving, moving into the distribution phase can feel overwhelming. The good news? With the right habits, you can approach this...

Tuesday, March 10, 2026

In a recent survey, 78% of retirees say they’re confident they will have enough money to live comfortably throughout retirement. But what does retirement confidence really mean? Retirement confidence reflects an individual’s belief that...

Friday, March 6, 2026

The S&P 500 fell 0.76% in February, trimming its YTD gain to 0.68%. The index ended the month 1.43% below its most recent record high of 6,978 set on January 27. The Dow Jones Industrial Average rose 0.31% for the month, extending its...

Wednesday, March 4, 2026

Earning more throughout your career doesn’t guarantee wealth. Without strong habits, spending often rises alongside income, leaving little progress toward long-term goals. True financial growth comes from consistent, intentional choices...

Tuesday, February 24, 2026

Building wealth is an incredible achievement but preserving it for future generations requires intentional habits. Without structure and foresight, decades of effort can erode quickly due to market risks, taxes, or family conflict...

Thursday, February 19, 2026

Whether you plan to complete your tax returns yourself or hand things over to a professional, few people relish the prep work that comes with filing their annual income tax returns. However, there are ways to take much of the pain out of...

Wednesday, February 18, 2026

Retirement isn’t the finish line for planning—it’s the start of a new phase called the distribution stage. This stage focuses on preserving savings, creating reliable income, and preparing for the unexpected...

Thursday, February 12, 2026

Retirement is an exciting milestone, but it often comes with big changes, both in your finances and your mindset. After years of building wealth, shifting from saving to spending can feel unfamiliar. The good news? With a few practical...

Tuesday, February 10, 2026

Stubbornly high inflation can create significant pressure on retirees’ budgets. To help trim costs, consider the following savings tips across five key spending categories: Groceries, Gas, Housing, Utilities, Travel & Entertainment...

Friday, February 6, 2026

Despite volatile swings during the second half of the month, the S&P 500 gained nearly 1.5% in January, closing at 6,939. That’s just 0.57% below its most recent all-time high set on January 27 at 6,978. The Dow Jones Industrial Average...

Wednesday, February 4, 2026

Many people believe that higher income automatically leads to wealth, but without strong habits, spending often grows just as fast. Building wealth is less about big wins and more about consistent choices that compound over time...

Tuesday, January 27, 2026

Building wealth is a significant achievement but preserving it for future generations often requires a different mindset. Wealth that takes decades to accumulate can erode quickly without foresight, discipline, and structure...

Wednesday, January 21, 2026

Retiring does not signal the end of retirement planning. It’s the beginning of a new phase of planning, known as the distribution phase. This stage requires discipline, awareness, and new habits that focus on preserving savings, creating...

Thursday, January 15, 2026

It’s tempting to set ambitious goals at the start of a new year. However, behavioral scientists warn that whether goals are related to health, finances, learning, relationships, or overall well-being, starting small can be a more...

Tuesday, January 13, 2026

According to a recent survey, two-thirds of Americans are experiencing moderate to high financial stress, and half aren’t financially prepared for the unexpected.1 Concerns stemming from insufficient savings, rising healthcare costs...

Monday, January 12, 2026

After decades of building wealth, shifting from accumulation to distribution can be challenging and is often accompanied by questions and uncertainty. You’re not just changing your financial strategy. You’re changing a mindset...

Wednesday, January 7, 2026

Many people assume that once their income starts to rise, wealth will naturally follow. But the reality is that higher earnings don’t guarantee financial growth. Without effective habits in place, it’s easy for spending to expand right...

Tuesday, January 6, 2026

The S&P 500 ended the year at 6,845.50, 1.25% below its 39th all-time high of the year set on 12/24/25, its first Christmas Eve record since 2013. While gaining just 0.06% in December, the index has surged 38.65% from its April 8...

Thursday, January 1, 2026

Happy New Year! Wishing you a season filled with joy, good health, and meaningful progress. The New Year ushers in fresh opportunities and renewed excitement for what lies ahead. Your trust means more than words can express, and I extend...

Wednesday, December 31, 2025

Cetera Investment Management is pleased to release its annual Market Outlook for 2026 titled, "Economic Resilience Meets Elevated Expectations." As we enter 2026, the U.S. economy faces a mix of structural shifts and fiscal changes—from...

Wednesday, December 24, 2025

As the holiday season approaches, it’s easy to get caught up in the hustle—shopping for gifts, planning parties, and checking off endless to-do lists. But when we pause and reflect, the most meaningful part of Christmas isn’t found under...

Monday, December 22, 2025

Year-end planning is a powerful opportunity to make strategic decisions that protect your wealth, reduce your tax burden, and strengthen your legacy. Whether you're focused on investment growth, charitable giving, or estate planning...

Thursday, December 18, 2025

Starting January 1, 2026, new rules for charitable giving will kick in under the One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025. These changes affect both itemizers and those who take the standard deduction...

Wednesday, December 17, 2025

As the year comes to a close, it’s a great time to reflect on your financial progress and make strategic updates to your retirement plan. These six key areas can help you finish the year strong and step into the next with confidence...

Friday, December 12, 2025

About six months before historically high gift, estate, and generation-skipping exemption levels were scheduled to expire, legislation changed course. The One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025, made these...

Wednesday, December 10, 2025

As the year ends, it’s a great time to check in on your retirement strategy, especially if you’re approaching your final working years. This transition is more than just a financial shift; it’s a lifestyle change...

Wednesday, December 3, 2025

Your peak earning years are a powerful time to build financial momentum—but it takes more than income. Strategic planning and informed decisions are key. As the year ends, consider these five areas to strengthen your financial foundation...

Monday, November 24, 2025

As the year winds down, it’s the perfect time to take strategic action to preserve your wealth, optimize your tax exposure, and build a lasting legacy. Whether you're focused on growing investments, giving with intention, or preparing...

Friday, November 21, 2025

Did you know that nearly 7 in 10 U.S. households are now living paycheck to paycheck? That’s up from 60% just a year ago—the highest level Debt.com has reported in eight years.1 Rising prices and a cooling job market are big factors...

Wednesday, November 19, 2025

As the year winds down, it’s the perfect time to take stock of your retirement strategy and make adjustments that can set you up for long-term success. Whether you're nearing retirement or already enjoying it, these year-end planning...

Friday, November 14, 2025

2025 is coming to a close, and as we head into the final stretch, it’s the perfect time to make sure your year-end planning is on track. From “super catch-up” contributions for those nearing retirement to new updates under the OBBBA...

Wednesday, November 12, 2025

As the year winds down, it’s the perfect time to revisit your retirement strategy—especially if you’re nearing retirement. This transition from saving to spending is one of the most important financial shifts you’ll make...

Wednesday, November 5, 2025

As your peak earning years unfold, now is the time to turn income into lasting financial momentum. The end of the year offers a strategic opportunity to review your finances and take action. Here are five key areas to focus on...

Tuesday, October 28, 2025

Year-end planning can help you to make deliberate, strategic moves that preserve your wealth, optimize your tax exposure, and create a lasting legacy. Whether you are preserving wealth for the future, growing your investments, or giving...

Wednesday, October 22, 2025

As the year comes to a close, it’s an ideal time to assess your financial situation and make adjustments for a strong transition into the next phase, especially as you approach retirement. This article will guide you through key year-end...

Monday, October 20, 2025

Good news for seniors: introduced under the One Big Beautiful Bill Act (OBBBA), beginning with the 2025 tax year, anyone age 65 or older can take a new Senior Bonus Deduction of up to $6,000 per person (or $12,000 for couples if both...

Thursday, October 16, 2025

There are some big changes coming for 529 plans. Families who use 529 education savings plans to set aside money for school will soon see new benefits. The One Big Beautiful Bill Act (OBBBA), signed into law in July 2025, expands how...

Wednesday, October 15, 2025

As the year wraps up, it’s a powerful time to check in on your retirement strategy, especially if you’re approaching your final working years or actual retirement date. This transition can be one of the most significant shifts in your...

Tuesday, October 7, 2025

Your peak earning years bring with them a powerful opportunity: the chance to build real financial momentum. But that momentum doesn’t come from income alone. It also comes from planning, strategic guidance, and informed decision making...

Tuesday, September 23, 2025

Managing wealth for high-net-worth households involves more than just focusing on investments and returns. As your estate grows, the complexity of managing it increases, requiring a broader set of strategies...

Friday, September 19, 2025

Just like blood pressure and heart rate are markers of physical health, your there are metrics that can be measured as key markers of financial health. Keeping an eye on them can help you spot problems early and stay on track with your...

Tuesday, September 16, 2025

Retirement should be a time of stability, enjoyment, and freedom—but rising costs can potentially put a strain on even the most carefully planned budget. With thoughtful planning and tailored strategies, you can reduce inflation risk and...

Saturday, September 13, 2025

Everyday essentials like food, clothing, utilities, and housing have become more expensive, leaving many retirees looking for simple ways to make their dollars go further. Below are four considerations for seniors seeking to improve...

Wednesday, September 10, 2025

Even the most well-planned retirement can be disrupted by unforeseen expenses. Many retirees underestimate how unpredictable certain costs can be—and how easily they can derail an otherwise sound financial strategy...

Wednesday, September 3, 2025

While it may not be as exciting as investment planning or retirement strategies, insurance is a powerful and often underappreciated tool in financial planning. It functions both as a safeguard and a strategic pillar for protecting your...

Monday, August 25, 2025

In the realm of high-net-worth wealth management, traditional investment strategies alone may not suffice. As your estate grows, so does the complexity of managing it. This is where insurance and risk management come into play...

Friday, August 22, 2025

One thing we know for sure about the markets is that no one can predict with certainty how they will perform a day, a week, or a month from now. That’s why preparation—not prognostication—is a more reliable approach to weathering the...

Monday, August 18, 2025

Retirement should be a time of stability, enjoyment, and freedom—but rising costs can potentially put a strain on even the most carefully planned budget. With thoughtful planning and tailored strategies, you can reduce inflation risk and...

Wednesday, August 13, 2025

Since 2019, property taxes have increased nearly 30% nationwide and U.S. homeowners are feeling the pinch. In one survey, 66% say their bill was higher than they had budgeted and 74% worry about paying even more in the near future...

Monday, August 11, 2025

Even the most well-planned retirement can be disrupted by unforeseen expenses. Many retirees underestimate how unpredictable certain costs can be—and how easily they can derail an otherwise sound financial strategy...

Wednesday, August 6, 2025

Insurance is a powerful and often underappreciated tool in financial planning. It functions both as a safeguard and a strategic pillar for protecting your income, assets, and legacy goals. With a better understanding of what insurance...

Monday, July 28, 2025

While traditional wealth management tends to focus on investments and returns, planning for high-net-worth households must address a broader set of variables. From liability exposure to tax considerations and generational wealth transfer...

Monday, July 21, 2025

Retirement should be a time of stability, enjoyment, and freedom—but rising costs can potentially put a strain on even the most carefully planned budget. With thoughtful planning and tailored strategies, you can reduce inflation risk and...

Friday, July 18, 2025

Getting caught without an umbrella in a sudden downpour is an inconvenience. Getting soaked financially because you didn’t have adequate insurance liability coverage is much harder to recover from. It also happens more often than most...

Monday, July 14, 2025

Even the most well-planned retirement can be disrupted by unforeseen expenses. Many retirees underestimate how unpredictable certain costs can be—and how easily they can derail an otherwise sound financial strategy...

Wednesday, July 9, 2025

While retirement is a significant milestone, it’s important to remember that it doesn’t mark the end of your journey, but the beginning of the next phase of your life, which may last several decades. That makes spending a key consideration.

Monday, July 7, 2025

While it may not be as exciting or as prominent as investment planning or retirement strategies, insurance is a powerful and often an underappreciated tool in financial planning. Insurance can function both as a safeguard and a strategic...

Monday, June 30, 2025

Building wealth can seem like an arduous task requiring considerable time and money, assuming you even know where to start. In reality, building wealth is no different than tackling any other project you encounter at work or at home...

Monday, June 23, 2025

Today’s financial landscape is filled with opportunities, but many people still believe that building wealth through investing requires a rigid, one-size-fits-all approach. In reality, investing is a deeply personal process that should...

Monday, June 16, 2025

Retirement should be a time to enjoy the fruits of years of hard work and preparation, but when it comes to Social Security, many people have more questions than answers. From figuring out the best time to claim...

Wednesday, June 11, 2025

While a recent retirement industry report finds most retirees are living the lifestyle they envisioned, more than half of those surveyed say they are choosing to spend less due to worries they will run out of money...

Monday, June 9, 2025

Realizing you have less saved for retirement than you think you’ll need can be concerning. Despite potential setbacks like supporting children through college or managing unexpected expenses, it's never too late to take action...

Wednesday, June 4, 2025

Building wealth in today's economy may feel like an uphill battle. Housing, utilities, and daily expenses keep climbing, making it challenging to cover essential costs and still have money left over...

Monday, June 2, 2025

Matthew Stucke, Managing Director of Macrocarpa Private Wealth earned a Platinum Circle of Excellence Award at Cetera Financial Group’s annual awards conference, Circle of Excellence. Since 2022, Matthew has been affiliated with Cetera...

Tuesday, May 27, 2025

Today’s financial landscape is rich with opportunities, but many still believe in following a ‘cookie-cutter’ approach to investing and building wealth. In truth, investing should be a personalized process, shaped by your goals, values...

Friday, May 23, 2025

Building wealth to support your family’s desired lifestyle can take years of hard work. It requires a long-term focus and a vigilant approach to managing obstacles and challenges, including some that may not even be on your radar...

Monday, May 19, 2025

When it comes to Social Security, many people have more questions than answers. By separating facts from fiction, you can make more informed decisions about your retirement planning...

Wednesday, May 14, 2025

Investors have become increasingly concerned about a potential slowdown or recession in the months ahead. While no one can predict with accuracy when specific market or economic events may occur, we know that eventually a downturn will...

Monday, May 12, 2025

Realizing you have less saved for retirement than you need or hoped for can trigger concern about the future. The good news is, there’s always time to take strategic steps forward...

Wednesday, May 7, 2025

Building wealth in today’s economy may feel challenging due to rising costs amid inflation. However, with intentional planning and consistent effort, you could still make meaningful progress toward your financial goals...

Monday, April 28, 2025

Today’s financial landscape offers a wealth of opportunities, but the misconception persists that wealth-building requires a rigid, one-size-fits-all approach to investing. In reality, investing should be a personalized process that...

Monday, April 21, 2025

Retirement should be a time to enjoy the fruits of years of hard work and preparation, but when it comes to Social Security, many people have more questions than answers. When trying to discern when to claim, how benefits are calculated...

Friday, April 18, 2025

April 2025 marks the 22nd anniversary of Financial Literacy Month, a time dedicated to promoting financial education and empowerment for people of all ages. Whether you’re a longtime investor or a college student managing a budget for...

Wednesday, April 16, 2025

When Warren Buffett said, “Be fearful when others are greedy and be greedy when others are fearful,” he wasn’t just talking about investing. He championed contrarian thinking and urged people to capitalize when groupthink can result in...

Monday, April 14, 2025

Realizing you have less saved for retirement than you need or hoped for can trigger concern about the future. You want your golden years to play out a certain way—whether that’s traveling, spending more time with family, pursuing hobbies...

Wednesday, April 9, 2025

Consumer confidence plummeted in March to its lowest level since January 2021, amidst growing concerns that the U.S. may slip into a recession. While economists are mixed on the potential for a recession in the months ahead...

Monday, April 7, 2025

In today’s discourse about how to build wealth, a common refrain often emerges: It’s not possible nowadays. With rising housing costs and inflation affecting everything from utility bills to daily essentials, setting aside extra savings...

Monday, March 24, 2025

As you grow and manage your assets, you might start looking for ways to maximize returns while minimizing the taxes you owe. Tax-efficient investment strategies may help you keep more of your money and stay on track for the future you’ve...

Friday, March 21, 2025

On December 27, 2024, the Employee Benefits Security Administration, under the U.S. Department of Labor, launched its new Retirement Savings Lost and Found Database, a tool designed to help U.S. workers and their beneficiaries locate...

Tuesday, March 18, 2025

Managing income during retirement is often less straightforward than it was during working years. Instead of accumulating wealth, you’re now spending that hard-earned nest egg. By implementing effective tax strategies...

Wednesday, March 12, 2025

Managing cash flow in retirement is critical for ensuring your essential and nonessential expenses are met throughout your lifetime. Yet, events outside of your control, such as a change in health status, sudden market downturn, increase...

Monday, March 10, 2025

As retirement approaches, it's time to think about shifting your focus from accumulation to spending. A well-planned, tax-efficient retirement withdrawal strategy can help you make the most of your assets and set the stage for a...

Wednesday, March 5, 2025

Even small decisions can have a big impact on your financial situation. By understanding your cash flow and taking a tax-smart approach, you can help make your money work harder toward your long-term goals...

Monday, February 24, 2025

As you grow and manage your wealth, consider these five tax-efficient investment strategies that could help optimize returns and minimize your tax burden: Strategic account selection, tax-efficient asset utilization, capital gains...

Thursday, February 20, 2025

Like it or not, it’s officially tax season – the time of year when millions of taxpayers are gathering documents and crunching numbers in anticipation of the annual filing deadline. Whether you’re preparing your own returns or working...

Tuesday, February 18, 2025

During your golden years, you’ll likely find that managing your income looks different than it once did. By implementing effective tax strategies, you can potentially reduce your tax burden and make your hard-earned savings last longer...

Tuesday, February 11, 2025

If you are required to take minimum distributions from a qualified retirement plan this year, you’ll want to brush up on two rule changes that can help you manage taxes on your income in retirement...

Monday, February 10, 2025

As you transition into retirement, your financial focus will likely shift from building your savings to managing your spending. A tax-efficient withdrawal strategy can help you maximize your assets and enjoy a fulfilling retirement...

Monday, February 3, 2025

Financial stability often hinges on consistent, strategic decisions. By understanding your cash flow and approaching it with a tax-intelligent mindset, you can help maximize your money’s potential and move closer to long-term goals...

Monday, January 27, 2025

As you build and manage your wealth, you may find yourself seeking ways to optimize your investment returns while minimizing your tax burden. By understanding how to build a tax-efficient investment strategy, you can make an effort to...

Wednesday, January 22, 2025

During your golden years, you may find that managing your income isn’t as straightforward as it once was. One of the keys to enjoying this new phase of life is implementing effective tax strategies for retirement...

Thursday, January 16, 2025

January marks the beginning of the traditional “tax season” as taxpayers begin to gather financial documents, statements, and receipts in preparation for filing their annual returns, usually in April...

Tuesday, January 14, 2025

Thanks to a “super catch-up” option under the Secure 2.0 Act, effective January 1, 2025, workers ages 60 to 63 have a chance to contribute an additional $3,750 to their employer-sponsored retirement accounts, for a total catch-up...

Monday, January 13, 2025

As you near retirement, it’s time to start thinking about the next chapter of your financial journey. After years of saving and investing, shifting from accumulation to spending can feel uncomfortable...

Wednesday, January 8, 2025

When it comes to managing your finances, even small decisions can make a big difference. By understanding your cash flow and approaching it with a strategic, tax-intelligent mindset, you can make your money work harder for you and move...

Monday, December 30, 2024

As we approach the new year, taking the time to ensure your beneficiary designations are up to date is one of the simplest yet most impactful steps you can take to protect your loved ones. With AdviceWorks, you can review and update your...

Friday, December 27, 2024

If you've noticed your morning brew getting pricier lately, you're not imagining things. Coffee prices have surged to their highest levels since 1977. Why the eye-popping prices? While supply chain disruptions and weather issues in major...

Thursday, December 26, 2024

Once again, the year has flown by! In these final weeks of the year, our thoughts often turn to the comforts of home and family — of sharing good cheer with neighbors, friends, and loved ones...

Monday, December 23, 2024

Are you interested in a lasting impact on causes you care about while also unlocking potential tax benefits? Charitable trusts might be the solution. These powerful financial vehicles offer a unique means to align your philanthropic and...

Friday, December 20, 2024

As year-end approaches, there’s still time to ensure you’re on track to pursue your important financial goals now and in the new year. But you’ll need to act soon since most of the strategies discussed here have a deadline of December 31...

Thursday, December 19, 2024

In this commentary the Cetera Investment Management Team discusses the Fed’s hawkish rate cut that pushed both bond and equity markets lower. Their 2025 outlook predictions could be coming to fruition early as the Fed is less of a friend...

Monday, December 16, 2024

As you enter retirement, you may find yourself with more time on your hands and a desire to make a meaningful impact. However, your changing financial situation might affect your ability to give monetarily at the same level you once did...

Wednesday, December 11, 2024

Matthew Stucke, AIF, AAMS, Managing Director of Macrocarpa Private Wealth earned Elite Circle at Cetera Financial Group’s annual awards conference. Since 2022, Matthew Stucke has been affiliated with Cetera, an at-scale wealth hub that...

Tuesday, December 10, 2024

While people often view year-end planning from a tax perspective, there’s a lot more to it than tax considerations. It also offers a great opportunity to assess your overall financial health and identify strategies that can help you...

Thursday, December 5, 2024

The period around the winter holidays is widely considered the most wonderful time of the year – and the economy tends to agree! The festive mood brings bustling airports and packed stores as consumers embrace the holiday spirit...

Monday, November 25, 2024

Imagine creating a lasting legacy that supports the causes you care about while also unlocking potential benefits for you and your loved ones. Charitable trusts offer a unique opportunity to do both...

Thursday, November 21, 2024

In addition to supporting the work of the organizations and causes you care about, charitable giving can be advantageous from a tax perspective. To ensure that you and the organizations you support reap the full benefits of your...

Monday, November 18, 2024

As you enter retirement, you may find yourself with more free time and a desire to make a meaningful impact. While your new financial situation might affect your ability to give monetarily, retirement opens up new possibilities for...

Tuesday, November 12, 2024

For a growing number of parents and grandparents, 529 plans have become a centerpiece of their gifting strategies. In addition to furthering their family’s education planning goals, these popular education savings plans offer important...

Tuesday, October 22, 2024

Balancing philanthropic goals with financial planning can be a complex yet rewarding endeavor. One strategy that has gained popularity among those looking to make a lasting impact, while potentially reaping tax benefits, is...

Monday, October 21, 2024

On Sunday, October 13th, SpaceX achieved a groundbreaking milestone as its Starship rocket was successfully caught mid-air by a giant pair of mechanical arms upon its return to land...

Wednesday, October 16, 2024

Investor doubts may seem especially prevalent during presidential election years when campaigns spotlight the country’s challenges. Yet even with election year rhetoric amplifying the negative, it’s important to focus on your vision for...

Monday, October 14, 2024

After dedicating years of your life to your career, you might be wondering what to do in retirement. At the same time, your financial situation has likely changed now that you’re retired. Considering these changes...

Thursday, October 10, 2024

Donor-advised funds (DAFs) have become increasingly popular among individuals and families seeking to fulfill their charitable giving and tax planning goals due to their flexibility and ease of implementation...

Tuesday, October 8, 2024

Presidential elections can be divisive and unsettling. At times, the fate of the world seems to hang in the balance. But when it comes to investing, do elections really matter all that much?...

Monday, September 23, 2024

Most people view retirement as a new stage of life, which, for most people, is only partly true. Your retirement years might actually look like three distinct stages, instead of one. These stages are largely dependent on your health and...

Friday, September 20, 2024

Inflation and interest rates continue to influence savings rates among U.S. adults. According to a recent survey, 63% say inflation is causing them to save less for unexpected expenses and 45% say the same of interest rates...

Wednesday, September 18, 2024

As year-end approaches, so does the deadline for taking required minimum distributions (RMDs) from your tax-deferred retirement accounts to comply with federal tax laws. You generally must start taking these withdrawals from your...

Monday, September 16, 2024

The latest themed commentary from Cetera Investment Management cuts through the fog of partisanship to focus on what matters as investors navigate the 2024 presidential election. The team provides analysis of key economic policy items...

Friday, September 13, 2024

You know the importance of saving for retirement. But what is the best way to do it? Is it just a matter of hoarding money in a separate savings account? Or should you rely on a workplace or state pension plan?...

Friday, September 6, 2024

Most people have at least heard of two prevalent types of retirement plans: the 401(k) and the IRA. Deciding which is appropriate for you, however, is another story. Having a basic understanding of these two types of retirement accounts...