The LifeCircle

09/01/2026

Quick check-in as the school year gets going.

Now that the school year is back in full swing, let’s make sure everything is still on track.

Whether it’s:

➡️Retirement planning
➡️Insurance coverage
➡️Long-term goals

Even if nothing has changed, a quick review can help confirm you're in a strong position moving forward.

If there’s anything you’ve been meaning to revisit, or any questions that have come up, I’m always here to help.

Don’t hesitate to reach out.

09/01/2026

Living longer doesn’t automatically mean living better.

Healthy Aging Month is a reminder that how we age is shaped by more than just time. Staying active, mentally sharp, and socially connected all play a role—and so does the ability to support those lifestyles over time.

Small, consistent habits—both physical and financial—can influence what those years look like.



Sources
World Health Organization, Ageing and Health, October 2025
American Medical Association, What Doctors Wish Patients Knew About Healthy Aging, September 2025
Stanford Medicine, Five Healthy Habits for Successfully Aging, January 2026
EBRI/Greenwald, 2025 Retirement Confidence Survey, April 2025

09/01/2026

September is College Savings Month, and it's a good time to think about what you want your child's future to look like. Every family's situation is different. If you have questions about what college savings options might make sense for your household, reach out. That's exactly what we're here for.

08/24/2026

Trending Higher

08/20/2026

A record number of U.S. adults under 35 are living with their parents, according to a recent Realtor.com study.

In 2025, 25.2 million adults under 35 lived at home, a higher share than during the COVID-19 pandemic.

Many are working, but wages are not always keeping up with the cost of living. Among adults ages 25 to 34 who live at home, roughly 7 in 10 have jobs.

Housing affordability is a major factor. Higher home prices, elevated mortgage rates, rent, student loan payments, car payments, and everyday expenses can make living independently harder to sustain.

For some families, moving back home may be a way to reduce expenses, rebuild savings, or create more breathing room before taking the next step.

The broader takeaway is that financial independence does not always follow a straight timeline. Cost-of-living pressures are reshaping what adulthood, housing, and household decisions look like for many families.


Source:

One woman in her mid-30s said her $60,000 annual income wasn't enough to cover all her bills after a breakup, leading her to move back home.

08/19/2026

Check out LPL Financial Research's Weekly Commentary on the market: "Shifting Leadership in Global Growth".https://static.fmgsuite.com/media/documents/0eb52475-457a-47fd-bf0d-64077cdb9fde.pdf

08/18/2026

As the school year begins and paychecks resume, it’s a great time to revisit your financial plan.
New school year = a fresh financial reset

This is often when I encourage clients to:

➡️Review 403(b) contribution levels
➡️Reassess savings goals for the year
➡️Make small increases that can add up over time

Even modest adjustments, especially early, can make a meaningful difference down the road.

If you'd like to revisit your plan or talk through any changes, I’m always here as a resource.

Let’s connect if a quick review would be helpful.

08/14/2026

Check out LPL Financial Research's Weekly Commentary on the market: "Municipal Bond Outlook: Why Carry Is the Strategy". https://static.fmgsuite.com/media/documents/07ba72b6-30a3-47ed-807c-ab3702eca839.pdf

08/13/2026

Creating a will is crucial, but remember: life changes. When it does, so should your estate strategy. Regularly updating your will keeps it aligned with your current circumstances and wishes. Here are 7 reasons to revisit your will:

1️⃣ Family Changes: Marriage, divorce, births, or losses can impact your strategy.
2️⃣ Relocation: Different places, different laws.
3️⃣ Financial Shifts: Reflect on your current assets.
4️⃣ Executor/Trustee: Ensure they’re still the right choice.
5️⃣ Law Changes: Stay compliant and minimize taxes.
6️⃣ Beneficiary Updates: Reflect evolving relationships.
7️⃣ Time: Review every 3-5 years.

08/11/2026

Back-to-school season is bringing higher costs for many families.

A new analysis found that a typical basket of school items, including notebooks, lunch boxes, and index cards, is up nearly 8% compared with last year.

School lunches are also more expensive, with the cost of a typical packed lunch up 11%.

The analysis estimates families may spend roughly $4,000 per student on school supplies and lunches this year, including about $175 on school items and $3,800 on packed lunches.

Some items have seen especially sharp increases. Lunch boxes are up 27%, one-subject notebooks are up 23%, and index cards are up 22%.

Higher tariffs, imported school supplies, food prices, and energy costs are all contributing to the increase.

For families, back-to-school shopping is a reminder that seasonal expenses can add up quickly, especially when everyday costs are already stretching household budgets.


Source:

U.S. households will spend roughly $4,000 per student on school supplies and lunches this year, a new analysis found.