Clear Strategy

10/15/2026

Do you have the best Medicare coverage for the coming year? Call today today to review your options! 800.960.4560

10/09/2026

October has arrived, marking the beginning of U.S. Financial Planning Month. Throughout this month, we will be sharing valuable insights and practical tips to help you make informed decisions. Our goal is to assist you in taking control of your financial goals. Let's make October a time to pause and reflect on your financial path and your goals.

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.

Quarterly Market Insights | October 2026 U.S. and Canadian Markets 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. The Standard & Poor’s 500 Index gained 2.03 percent, while the Nasd...

10/05/2026

It's almost time! The Annual Election Period(AEP) is the time to review and update your Medicare Advantage Plan or Prescription Drug Plan.

Call our office today and talk with an expert! 800.960.4560

09/30/2026

Let's discuss your investment goals and risk tolerance. Are you satisfied with your current investment portfolio? What investment opportunities or challenges are you facing? Let's explore strategies to make your investments work harder for you.

09/22/2026

Make the most of this season with the right tools to help you optimize your financial strategy. Explore unique opportunities with annuities and see how they can streamline your retirement planning. Reach out for more information and personalized guidance!

09/16/2026

Want to test your life insurance knowledge? Take our quiz and find out where you rank.

How much do you know about one of the most important tools you have to help protect your and your family’s financial future?

09/03/2026

We will resume normal business hours on Tuesday, September 8th.

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.

08/20/2026

Some younger consumers are spending on luxury items even as major milestones feel harder to reach.

An article from The Economic Times explores whether Gen Z spending on items like expensive smartphones, sneakers, and travel may reflect a broader version of the “Lipstick Effect.”

The Lipstick Effect describes a pattern where consumers buy smaller luxuries during periods of financial uncertainty, especially when larger purchases feel out of reach.

In this case, the larger purchase is often homeownership.

As housing costs rise, some younger adults may feel that saving for property is increasingly unrealistic. Instead, they may choose purchases that offer more immediate enjoyment, identity, or a sense of progress.

That does not mean every purchase is financially harmful. But it does show how affordability pressures can shape behavior, priorities, and trade-offs.

The broader takeaway: spending decisions often reflect more than impulse. They can also reflect economic realities, delayed milestones, and the ways people look for meaning when traditional markers of success feel further away.

Source: https://m.economictimes.com/magazines/panache/rs-15000-sneakers-fancy-holidays-expensive-iphones-financial-advisor-shares-why-gen-z-is-spending-big-on-luxury-items/amp_articleshow/132898030.cms