Fulcrum Wealth Advisors

12/28/2025

A new Realtor.com analysis indicates that home prices may decline in 22 of the 100 largest U.S. cities in 2026, with most of the projected decreases concentrated in the South and West. Seven of the eight largest cities in Florida are expected to see price drops, with the Cape Coral–Fort Myers area forecast to fall 10.2%, the steepest decline in the country.

The North Port–Sarasota–Bradenton region is projected to follow with an 8.9% decline. These metros saw significant demand during the pandemic boom, and rising inventory and more balanced conditions are now contributing to softer price expectations.

While 22 cities are slated for declines, prices in the remaining large metropolitan areas are still expected to rise, albeit modestly, with a median increase of approximately 4%. The report also notes a potential uptick in existing-home sales, which are projected to reach 4.13 million in 2026.

A new report from Realtor.com projects that the housing market will shift in a more buyer-friendly direction in 2026.

12/19/2025

🚀 Big News for Your 2026 Retirement Plans! 🚀

The IRS announced new contribution limits for 2026 in November, and there's a lot to look forward to! Here's a quick breakdown:

🔹 401(k), 403(b), 457 Plans & TSP: Contribution limit increased to $24,500 (up from $23,500 in 2025). If you're 50 or older, you can contribute up to $32,500 annually!

🔹 IRA Contributions: Limit increased to $7,500. Catch-up contributions for those 50 and older are now $1,100.

🔹 Roth IRA & Saver’s Credit: Income phase-out ranges have increased, making it easier to qualify and maximize your savings.

🔹 SIMPLE Accounts: Contribution limit up to $17,000, with higher limits for certain accounts.

🔹 Medicare Part B: Monthly premiums will rise to $202.90, impacting how much of your Social Security COLA you'll see.

Stay up-to-date with details about your retirement savings! For full details, check out Notice 2025-67 on the IRS website.

With most retirement accounts, once you reach age 73, you must begin taking required minimum distributions. Roth accounts are the exception. Withdrawal penalties may apply if you take the money before age 59½. Roth IRA distributions must meet a 5-year holding requirement and occur after the account holder reaches age 59½.



Sources:
IRS.gov, November 13, 2025
CNBC, November 17, 2025

11/17/2025

You make 35,000 decisions every day. One of the most important? How you’re improving your personal financial health.

Most people delay financial decisions—not because they don’t care, but because they don’t know where to start.

Start here ⬇️
Meet with one of our financial professionals for a free Personal Financial Health Check-In to see where you stand and how you can move forward with clarity and confidence.

✅ Simple questions
✅ No prep, no pressure
✅ A more straightforward path to the future you want

Take the Personal Financial Health Check-In

Visit your closest branch for a Personal Financial Health Check-In.

09/02/2025

There’s something for everyone in the One Big Beautiful Bill Act of 2025.

In fact, the Tax Foundation calculated that in dollars and cents, each taxpayer will pay $4,000 less in federal taxes starting in 2026.

That news brightens my day, and it looks like it may continue to buoy investors' spirits in the second half of the year.

09/02/2025

Updated your estate strategy for a second marriage? You may not be caring for dependents from your previous one.

Second marriages are a trigger event to revisit any existing estate strategies.

07/29/2025

𝗛𝗶𝘀𝘁𝗼𝗿𝘆 𝗥𝗲𝗽𝗲𝗮𝘁𝘀 𝗜𝘁𝘀𝗲𝗹𝗳—A𝗿𝗲 𝗬𝗼𝘂 𝗥𝗲𝗮𝗱𝘆?
📉 Four recessions in 20 years, each triggered by the Fed trying to control inflation. Could we be on the same path today?

Economic warning signs are flashing, with inflation still elevated and borrowing costs rising. Savvy investors don’t wait for a downturn to prepare—they adjust their strategies now.

✅ Is your portfolio built for resilience?
✅ Are you positioned for market volatility?
✅ Do you have income-generating assets that thrive in uncertain times?

We break down what history tells us and how investors can prepare for what’s next.

📩 Read the full analysis → https://www.fulcrumwa.com/post/outlook-2025-lessons-from-the-1960s-1970s-for-today-s-investors

How does today’s economic landscape compare to the inflation-driven 1960s-70s? Explore key investment lessons, monetary policy shifts, and strategies to navigate market volatility in 2025.

07/21/2025

𝗧𝗵𝗲 𝗙𝗲𝗱’𝘀 𝗗𝗶𝗹𝗲𝗺𝗺𝗮—A𝗻𝗱 𝗪𝗵𝗮𝘁 𝗜𝘁 𝗠𝗲𝗮𝗻𝘀 𝗳𝗼𝗿 𝗬𝗼𝘂𝗿 𝗠𝗼𝗻𝗲𝘆
The Federal Reserve is the most powerful force in financial markets—but right now, it’s facing a no-win situation:

🔹 Keep rates high? Risk slowing the economy too much.
🔹 Cut rates too soon? Inflation could surge again.

If history is any guide, uncertainty will continue—and so will volatility.
📊 What does this mean for your portfolio? It’s time to:

✅ Diversify beyond traditional assets
✅ Focus on income-generating investments
✅ Position for both high and low-rate scenarios

Smart investors are planning before the next move happens. Are you?

📩 Read the full breakdown → https://www.fulcrumwa.com/post/outlook-2025-lessons-from-the-1960s-1970s-for-today-s-investors

How does today’s economic landscape compare to the inflation-driven 1960s-70s? Explore key investment lessons, monetary policy shifts, and strategies to navigate market volatility in 2025.

05/02/2025

Boeing workforce, adapt your RSU and 401k strategies to the latest market dynamics. Essential tips in our blog. , , , , , ,
https://www.fulcrumwa.com/post/navigating-turbulent-skies-the-impact-of-media-headlines-and-faa-scrutiny-on-boeing-s-stock-and-emp?utm_source=facebook-page&utm_medium=blog&utm_campaign=boeing01-24