Royal Wealth and Retirement - Financial Advisor: Darren Royal

05/20/2026

Happy Wednesday Everyone!

Did you know? 📊

Claiming Social Security at 70 versus 62 can mean a difference of 75%+ in your monthly benefit for the rest of your life!

For a married couple, the claiming decision can be worth $100,000 or more in lifetime income depending on health, other income sources, and who claims when.

It's one of the most important financial decisions people make and many make it without ever running the numbers.

Curious when the right time is for you? Call or stop by our office — we'd love to run the numbers based on your specific plan and goals.

04/30/2026

Happy Derby Weekend Everyone!

We are analyzing the field and checking the fundamentals. We’ve got a bullish outlook on Emerging Market!🐎🌹

Who are you rooting for?

03/30/2026

Earlier this year, we added a new financial advisor and my son, Noah Royal, to our practice! We will continue the family tradition of providing thoughtful, relationship-based financial guidance to the Bardstown community.

03/27/2026

Upcoming data releases will offer the first measurable economic signals following the recent geopolitical shock. Raymond James Chief Economist Eugenio J. Alemán explains their significance in the latest Weekly Economics:

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03/27/2026

Happy Friday Everyone!

Your hard work is finally paying off in a bigger way!

Under the new One Big Beautiful Bill, the federal government has introduced the "No Tax on Overtime" deduction for 2026. If you’re an hourly worker who stays late or picks up extra shifts, this is a massive win for your paycheck.

The "Half" is Tax-Free: You can now deduct the extra "half" of your time-and-a-half pay from your taxable income. Single filers can deduct up to $12,500, and married couples can deduct up to $25,000. You get this benefit even if you take the Standard Deduction. Whether you're saving for a house, a new car, or your family's future, these new rules ensure more of your extra effort stays in your bank account.

Don't let your hard-earned overtime go to waste. Contact us at Royal Wealth and Retirement to see how this and other new 2026 tax laws can help you grow your wealth!

03/26/2026

Equities remain volatile through the back-and-forth of US-Iran headlines and oil prices. The S&P 500 has drifted marginally lower, currently near its 200-day moving average and 5.5% off highs.

Read more in the Weekly Market Guide.

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03/20/2026

Economic and market conditions driven by the oil price shock and tariff policy changes complicate the Federal Reserve's path ahead. Chief Economist Eugenio Alemán explains the current dynamics in the latest Weekly Economics:

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03/19/2026

U.S. equities continue to digest the recent spike in oil prices and the potential effects on the global economy. Markets have posted negative returns for three consecutive weeks.

Read more in the Weekly Market Guide.

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03/12/2026

The US-Iran conflict, and corresponding spike in oil prices, has put pressure on equities over the past week. The S&P is down -3%, Nasdaq Composite -5.5%, and Russell 2000 -5.5% from their recent highs.

Read more in the Weekly Market Guide.

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03/06/2026

With mixed labor market signals early in the year, it's important to view the full picture of economic data. Raymond James Chief Economist Eugenio Alemán examines recent employment numbers in the latest Weekly Economics.

raymondjames.com