Hector Elizondo, Jr., CFP - Financial Advisor

10/14/2026

🌴 More Americans are deciding that enjoying life now matters just as much as making financial progress for later.

A recent SoFi survey found that 72% of Americans would be willing to make slower progress toward their financial goals so they can spend more time with family, travel more, and prioritize meaningful experiences.

That doesn’t necessarily mean abandoning long-term goals. In fact, 59% of respondents said enjoying life is how they define financial progress, compared with 27% who pointed to owning a home.

The challenge is finding a balance between what matters now and what matters later. ✈️ That can mean making room for a vacation, concert, or family event while still keeping an eye on retirement savings and debt.

But charge that trip to a credit card and carry a balance, and interest can turn a two-week memory into a much longer bill.

What does financial progress look like to you: reaching the next milestone, enjoying more of life now, or some mix of both?


Source:

SoFi found 72% of Americans are willing to make slower progress on financial goals to prioritize family, travel and meaningful experiences.

10/12/2026

Check out LPL Financial Research's Weekly Commentary on the market: "Credit Is Still Flowing, and Businesses Are Borrowing".https://static.fmgsuite.com/media/documents/2d8a7dfe-7fec-4523-bf2c-025094a083be.pdf

10/08/2026

Stocks finished the third quarter mixed. The S&P 500 gained 2.03%, and the Nasdaq Composite rose 2.47%, while the Dow Jones Industrial Average slipped 2.70%. Halloween is next on the calendar, with U.S. consumers expected to spend \$13.5 billion USD this year and 6.26 million Canadian children in their trick-or-treating years.

Stocks were mixed in the third quarter as economic, geopolitical, and corporate earnings news pushed the broad market higher while weighing on the Dow Industrials.

10/08/2026

For many Gen Xers, retirement is starting to feel less like a distant milestone and more like a looming financial reality.

The oldest members of the generation will turn 62 next year, the earliest age to claim Social Security. At the same time, many are approaching retirement with limited savings and fewer pensions than previous generations had.

The median Gen X retirement savings balance is about $107,000, while members of the generation estimate they’ll need roughly $700,000 for retirement. Social Security may also become an increasingly important source of income, with 41% of workers over 55 saying they expect it to be their primary source in retirement.

That gap is prompting some Gen Xers to rethink when they’ll stop working, how much they may need to save, and what retirement could realistically look like.

If retirement is getting closer, this may be a good time to review your savings, expected Social Security benefits, and other sources of retirement income.


Source:

Millions of Generation X Americans expect to depend on Social Security as their main — or only — source of retirement income.

10/06/2026

Check out LPL's monthly client letter.https://static.fmgsuite.com/media/documents/bf53ae4b-81d3-4bd4-b487-b42d66cff90f.pdf

10/06/2026

🌕 Somewhere on the Moon, there's a crater that wasn't there two years ago, and it's the biggest one scientists have ever caught forming in real time.

A NASA researcher spotted it during what started as a routine check of lunar images. After comparing old and new photos, he realized he'd found the largest newly formed crater ever recorded anywhere in the solar system. It's now officially named McGetchin, after a pioneering lunar scientist, and it was carved out sometime between April and May of 2024, when a comet or asteroid roughly the size of a five-story building slammed into the surface.

The crater stretches about 728 feet across, roughly the length of two football fields, and drops 141 feet deep, enough to stack three school buses. 🔭 Scientists estimate that an impact this size only happens on the Moon about once a century.

There's more to it than just the hole itself. Researchers also found a patch of ground about four miles wide around the crater that stays noticeably cooler at night than the surrounding terrain, evidence of just how much a single impact can reshape the nearby surface.

It's a good reminder that even something as familiar as the Moon still has surprises waiting to be noticed; sometimes it just takes someone looking closely enough to catch them.


Source:

Scientists have discovered a crater on the moon that's bigger than the Roman Colosseum, the result of a powerful impact two years ago.

10/01/2026

🎂 Japan just crossed a milestone: for the first time, more than 100,000 people there are age 100 or older.

According to the country's Health and Welfare Ministry, Japan now counts 107,677 centenarians, up nearly 8,000 from the year before. Almost 88 percent are women. The country's oldest resident, Kyoto's Fuyo Kishimoto, recently turned 114.

🎌 Officials point to progress in medical care, along with healthier lifestyles and diet, as part of what's driving the trend. And Japan isn't alone; life expectancies have been rising in many countries over the past several decades.

It's a good reminder of how many more years many of us may be around for, and why that's worth factoring into conversations about the road ahead, from healthcare to how a longer stretch of years gets supported financially.

That's exactly the kind of long-term thinking we like to talk through together.


Source:

The number of people aged 100 or older in Japan has surpassed a record 100,000 this year. The latest figures from Japan's government underscore the country’s rapid aging and population decrease.

10/01/2026

🎀 We’re proud to wear pink this October. 💗

Breast Cancer Awareness Month is a time to honor those who have faced breast cancer, support those currently fighting, and recognize the people who are working to make a difference.

This month, we’re especially proud to recognize our teammate, Amy Elizondo, who has turned her support into action by raising money and participating in walks dedicated to the mission of ending breast cancer.

At Legado Financial Group, we believe a legacy is about more than what we leave behind. It’s about the impact we make along the way, the people we support, and the example we set for those around us. Amy is a wonderful example of putting that belief into action. 💕

Her involvement reminds us that every step, every contribution, and every conversation can make a difference.

This October, let’s also remember to take care of ourselves and the people we love. Stay current with the screenings recommended for you and encourage your loved ones to do the same.

Together, we can continue building a legacy of care, strength, hope, and positive impact for our families, our communities, and generations to come. 🎀💗

09/29/2026

Check out LPL Financial Research's Weekly Commentary on the market: "Stock Market’s Wall of Worry Gets Taller?" https://static.fmgsuite.com/media/documents/85bcbd1c-c839-4e91-a380-2fb602af3e60.pdf

09/29/2026

Dolly Parton’s legacy reaches far beyond music.

Over the years, she gave millions to causes ranging from disaster relief and medical research to education and children’s literacy. Her Imagination Library alone has distributed more than 330 million books to children across five countries.

After devastating Tennessee wildfires in 2016, her My People Fund provided displaced families with $1,000 a month for six months, no strings attached. She also donated $1 million toward COVID-19 vaccine research and supported schools, scholarships, pediatric care, and communities close to home.

What tied so much of that work together was remarkably simple: trust people, see a need, and respond.

Her example is a meaningful reminder that generosity doesn’t have to follow one formula. It starts with deciding what matters to you and finding a way to make an impact.


Source:

Dolly Parton's death is shining a new light on the country music icon's philanthropy. The Library of Congress has called Parton a “titan of children’s literacy” for the millions of free books provided monthly through her Imagination Library.