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We are a financial services company dedicated to educating Americans about their choices in achieving financial success.

11/03/2026

Midterm Elections and Your Wallet: What’s at Stake?
Midterm elections can affect your paycheck, job opportunities, and household budget by shaping tax and spending policies, but their lasting impact depends on what becomes law—not just which party wins.

Midterm elections can feel far removed from everyday life, but they can influence your paycheck, job prospects, and household budget.

Americans are not choosing a president in these elections; they are choosing who helps make decisions in Congress. Those decisions shape taxes, public spending, and business rules. What matters most is what becomes law afterward, not simply which party wins.

Think about the money left after paying your bills.

Changes to income taxes or tax credits can affect how much you have available to spend or save.
Read more here: https://arandagency.mylivingbenefits.com/blog/midterm-elections-and-your-wallet-what-s-at-stake

10/27/2026

Candy, Costumes and Cash
How Americans spend on Halloween

Halloween isn’t just about spooky decorations and a bowl of candy by the door.

It’s also a major shopping season, with Americans budgeting billions for costumes, treats, and turning their homes into haunted houses.
According to the National Retail Federation’s annual consumer survey, U.S. Halloween spending is expected to reach $13.5 billion in 2026, up from $13.1 billion in 2025.

About 74% of consumers plan to celebrate, with participants expecting to spend an average of $115.14 each. That’s only slightly above last year’s $114.45, so individual budgets are barely moving even as the overall total grows.

Where does all that money go? Read more here: https://arandagency.mylivingbenefits.com/blog/candy-costumes-and-cash

10/25/2026

Nashville photo dump!!

Great times with great people.

10/24/2026

Ever wondered how much money you need to retire?

Instead of thinking of retirement as some large pile of money you need to save, think of it more as a guaranteed income you want to solve for.

Let's make retirement simpler.

10/24/2026

When one woman learns how to manage her money, plan for her future, and make confident financial decisions, that knowledge can reach her children, her family, and the women around her.

When women share knowledge, we all have a chance to grow. 💜

10/20/2026

What is changing about Housing in the US.

The New American Housemates: Family

The American dream used to come with a front door and a little distance from your relatives.

Now, for a growing number of buyers, the dream is a shared mortgage—and a family group chat about who forgot to take out the recycling.
The share of Americans living in multigenerational households has more than doubled over the past few decades, according to Pew Research. Multigenerational home purchases reached an all-time high in 2024. And the trend is no longer only about adult children moving back in with parents, or grandparents moving into a spare room. Increasingly, it’s siblings choosing to buy together. Read more here: https://arandagency.mylivingbenefits.com/blog/what-is-changing-about-housing-in-the-us.

10/18/2026

A policy can stay the same for years while life changes completely around it.

Set aside a few minutes to check your beneficiaries, coverage amount, policy term, and contact information. If the details still reflect an older version of your life, it may be time for a proper review.

You do not have to make a decision today. Start by asking one simple question: Does my current coverage still match my life now?

10/16/2026

As women, we have so much to contribute through our experiences, ideas, and the challenges we've overcome.

We don't need to have everything figured out before stepping into leadership. But we do need to keep learning, speak up, and trust what we bring to the table.

Keep building your knowledge, strengthening your voice, and creating opportunities for yourself and other women.

You belong in the conversation. 💙

10/13/2026

Social media has become much less social - why?

Why Social Media quietly became less social.

The current theory of “Posting Zero” is that society may be moving toward a point where ordinary people simply stop feeling that posting online is worth the effort.

Not because they have nothing to say, but because the social, emotional, and practical rewards of posting have collapsed. In this view, the internet does not become quieter all at once; rather, it becomes less human in a very specific way. The casual diary-like posts, the vacation photos, the hot takes, the funny little updates, the “here’s what I had for lunch” fragments of daily life that once gave social media its texture, begin to disappear. What remains are brands, influencers, automated accounts, engagement farms, and bots. Read more here: https://arandagency.mylivingbenefits.com/blog/social-media-has-become-much-less-social-how

10/11/2026

What can your coverage do?

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Carlsbad, CA
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