Tom Giunta, Financial Planner

10/19/2026

October is the perfect time to check in on the goals you set earlier this year and make sure your finances are still moving in the direction you want them to.

Take a few minutes for a fall financial reset: review recent spending, revisit your monthly cash flow, plan for upcoming holiday expenses, and check your progress toward your financial goals.

If something has shifted since January? That’s okay. A financial plan should evolve as your life does.

There’s still plenty of year left to reset, refocus, and finish strong. ✨

10/17/2026

Florida continues to attract retirees from across the country, not only for the climate, but also for financial considerations.

Factors like tax structure, estate planning laws, property considerations, and cost-of-living differences can influence retirement planning decisions.

For many families relocating or retiring in Florida, coordinating these elements can help support a smoother transition into the next stage of life.

🔗 Visit us at: www.cove.financial
📩 Send us a DM to schedule a consultation today!

10/14/2026

Short-term market movements often dominate headlines, but long-term outcomes are typically shaped by discipline, diversification, and time in the market.

A clear investment process can help keep decisions grounded when markets move.

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

10/12/2026

Understanding key mortgage terms, like fixed vs. adjustable rates, points, and amortization, can help bring clarity to the borrowing process and support more confident decisions.

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.

10/07/2026

Emergency funds are designed for unexpected events, not ongoing support.

Frequent use may indicate underlying cash flow imbalances or planning gaps.

🔗 Visit us at: www.cove.financial
📩 Send us a DM to schedule a consultation today!

10/06/2026

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

10/05/2026

🎁 The holidays are expensive enough without the January financial hangover.

Between gifts, travel, parties, hosting, and all those “just one more thing” purchases, holiday spending can add up quickly.

A little planning now can make a big difference later. Make a list of what you expect to spend, set a realistic budget for each category, and give yourself room for the unexpected. The goal isn’t to take the fun out of the holidays, it’s to enjoy them without wondering where all your money went. ✨

Plan now. Celebrate later. Thank yourself in January.

10/03/2026

Are you a Spontaneous Squash who can always find a reason to treat yourself? Or a Planner Pumpkin who knows what they’re buying weeks in advance? Maybe you’re a Budget Witch who loves a good deal, or a Savings Scarecrow who gets more excited watching their savings grow.

The truth? Most of us are probably a little bit of each.

One of the smartest spending habits you can build is simply knowing your tendencies. Understanding when you’re likely to splurge, save, plan, or hunt for a deal can help you make more intentional decisions with your money.

Swipe through to find your type, then tell us which one you are. 🎃👇