Ryan K. Schebo at Modern Money Wealth Advisors

Ryan K. Schebo at Modern Money Wealth Advisors As a Financial Planner, I specialize in financial planning services for a fee. The availability of other products varies by carrier and state. EEO IS THE LAW.

Licensed to sell Life insurance in the following state(s):FL, IN, KY, MN, MS, OH, SC

"Prudential Advisors” is a brand name of The Prudential Insurance Company of America and its subsidiaries. Life insurance and annuities are issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. All are Prudential Financial companies and each is solely responsible for its own finan

cial condition and contractual obligations. Prudential is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status, or any other characteristic protected by law. The Prudential Insurance Company of America, Newark, NJ and its affiliates. Prudential is an Employer that participates in E-Verify.

If you've watched a parent or grandparent navigate this disease, you already know.It changes everything, and not just fo...
06/04/2026

If you've watched a parent or grandparent navigate this disease, you already know.

It changes everything, and not just for them.

Families are often so focused on the day-to-day of caregiving that the legal and financial side quietly falls behind.

▪️ Who has the authority to make decisions if something changes?
▪️ Is there a long-term care plan?
▪️ Does anyone know where the documents are?

A power of attorney, a healthcare directive, a conversation about what care actually looks like.

These are so much easier to put in place when everyone is healthy and clearheaded than after a diagnosis.

If you have aging parents, this month is as good a time as any to start that conversation. We're happy to be part of it. 💙

True or false: Americans in March 2026 are applying for fewer mortgages than they were during the Great Recession.True. ...
06/02/2026

True or false: Americans in March 2026 are applying for fewer mortgages than they were during the Great Recession.

True. And it's not even close.

96 OF THE 100 LOWEST NUMBER OF WEEKLY MORTGAGE APPLICATIONS SINCE 1999 HAVE HAPPENED IN THE LAST 3 YEARS! (according to the Mortgage Bankers Association's Mortgage Application Index)

Yet, unemployment today is a fraction of what it was during the financial crisis.

People aren't staying out of the market because they can't qualify. The market is gridlocked. Here's why. 👇

1️⃣ Millions of homeowners locked in at 3 percent during the pandemic. Selling means giving that up for another mortgage that may have a higher interest rate. So they're not moving.

2️⃣ If existing owners aren't selling, inventory can become thin, prices might stay elevated, and buyers wait for something to change.

3️⃣ Most are waiting for rates to drop. But when they do, demand may pick up, competition returns, and that window closes faster than expected.

Here's the truth about market timing: it almost never works the way people picture it.

The better question isn't "When is the right time to buy?" It's "Am I financially ready to move when the right opportunity comes?" 📋

According to a Fidelity article, for the ‘25-’26 school year, the average published all-in cost at a 4-year public schoo...
05/29/2026

According to a Fidelity article, for the ‘25-’26 school year, the average published all-in cost at a 4-year public school for out-of-state students is $45,780, and the average private school costs $60,920.

So, because today is 529 Day (it’s 5/29, get it? 😂), it’s a good time to revisit one of the most flexible tools for tackling those numbers.

What 529 plans actually do:

📚 Tax-free growth and tax-free withdrawals for qualified education expenses. State tax treatment will vary, and so will fees and expenses.

📚 Use them for college, trade school, K-12 tuition, and apprenticeships. A 529 can even repay up to $10,000 in student loans.

📚 Whether a 529 qualifies for a state tax deduction will depend on your state of residence, as state tax laws and treatment may vary from federal tax laws.

📚 Superfund up to $95,000 in a single year by using five years of gift tax exclusions at once. But remember if you make nonqualified distributions, earnings will be subject to income tax and a 10 percent federal penalty tax.

📚 Minimal impact on financial aid—parent-owned 529s are assessed at a maximum rate of 5.6 percent.

Grandparents, parents, aunts, or uncles can contribute.

And starting in 2026, the K-12 annual withdrawal limit doubles to $20,000.

The best time to start was years ago. The second-best time is now.

Most parents think the last tuition check means game over for college. The data says it's halftime.50 percent of parents...
05/28/2026

Most parents think the last tuition check means game over for college. The data says it's halftime.

50 percent of parents with adult children still provide regular financial support, spending $1,474 a month to do so. That's more than twice what they're putting toward their own retirement.

Here's what "just helping out a little" actually looks like:

✅ 75 percent of parents aged 45+ are financially supporting at least one adult child, even though over half of those children can meet their own basic needs, according to a 2025 AARP survey.

✅ 42 percent of supporting parents report financial stress. 9 percent have retired early because of it.

✅ 47 percent say they've sacrificed their own financial position for the sake of their kids.

✅ 18 percent say the support could continue indefinitely. They don't see an end in sight.

This isn't about being less generous. It's about being intentional.

Whether your kid just graduated, graduated five years ago, or is still in school, the question is the same: Is your support happening by design or by default?

That's worth a conversation.

Yes, Memorial Day marks the unofficial start of summer. But let's not forget what this day is really about.Today, we rem...
05/25/2026

Yes, Memorial Day marks the unofficial start of summer. But let's not forget what this day is really about.

Today, we remember those who gave everything. The men and women who served and never came home.

Some of us knew them. Some of us are here because of them.

However you spend today, take a moment to pause. Enjoy the long weekend, but hold space for what it actually means.

To the families carrying that loss: we honor them with you.

Cap and gown season is here. 🎓A BIG CONGRATULATIONS to every graduate walking across a stage this month! 🥳 🥳The late nig...
05/21/2026

Cap and gown season is here. 🎓

A BIG CONGRATULATIONS to every graduate walking across a stage this month! 🥳 🥳

The late nights, the stress, the uncertainty about what comes next have all led to this moment.

To the parents and grandparents in the audience pretending they're not emotional: we get it. ❤️

For the new grads, a few things to consider as you start this next chapter:

➡️ Start investing as early as possible, even if it's small. Time is the one advantage you won't get back.

➡️ If your employer offers a retirement plan with a company match, take it. It's free money.

➡️ Build an emergency fund before you worry about investing. Three months of expenses is a good first goal.

➡️ Understand your student loans: what you owe, the interest rates, and when payments start.

➡️ Your first budget doesn't have to be perfect. It just has to exist.

The financial habits you build now will help form the foundation for your future.

Congrats, Class of 2026. 👏

Who else has a pet that runs the household? 🙋May is National Pet Month, and whether it's a dog 🐕, a cat 🐈, or something ...
05/18/2026

Who else has a pet that runs the household? 🙋

May is National Pet Month, and whether it's a dog 🐕, a cat 🐈, or something with scales or feathers, pets have a way of taking over.

They love us unconditionally. They give us so much joy. They are a big part of the fabric of our families.

They also can cost more than we expected, require more preparation than we anticipated, and somehow we'd do it all over again in a heartbeat.

If you have one, or three, or had one in the past, then you know. ❤️

Share a pic of your fur baby(ies)! 🐶

🏛️ New Fed Reserve Chairman Senate Confirmation (What happened)✅ Final Vote: 54–45 in favor of Warsh becoming Fed Chair ...
05/16/2026

🏛️ New Fed Reserve Chairman Senate Confirmation (What happened)

✅ Final Vote: 54–45 in favor of Warsh becoming Fed Chair [apnews.com], [cbsnews.com]
📊 Party split: Almost entirely along party lines

All Republicans ✅
Only 1 Democrat (Sen. John Fetterman) crossed over ✅ [cbsnews.com]

⏱️ Timing: Confirmed May 13, 2026, just before Jerome Powell’s term ended
🧭 Also confirmed earlier to the Fed Board (51–45), which is required before chairmanship [thehill.com]

👉 Bottom line: One of the most narrow and politically divided Fed chair confirmations in modern history [cnbc.com]

🧠 Warsh’s Views & Approach to Leading the Fed
1. Independence (key message)

Repeatedly told Congress he will act as an “independent actor”
Said no agreement with Trump on rate cuts
Emphasized: “Monetary policy independence is essential” [cbsnews.com]

👉 Translation: He’s trying to reassure markets he won’t be politically controlled — even though pressure is high.

2. Interest Rates (mixed signals)

Historically an inflation hawk (leans toward higher rates) [thehill.com]
More recently open to cutting rates to support growth [cbsnews.com]
Has suggested rates could come down, but:

Current inflation is still elevated (~3.8%) [thehill.com]
That may delay cuts in the near term

👉 Translation:

Long‑term: Possibly pro‑lower rates
Short‑term: Likely cautious due to inflation

3. Inflation & Economic Philosophy

Strong focus on inflation control and credibility
Believes:

AI/productivity gains may reduce inflation over time
That could give the Fed room to ease policy later [morningstar.com]

👉 Translation: He sees structural deflation forces coming, not just short-term inflation threats.

4. “Regime Change” at the Fed
Warsh has openly called for a reset in how the Fed operates:

Reduce Fed’s balance sheet / market footprint
Cut back on forward guidance (less hand-holding of markets)
Refocus on core mission (inflation + employment) [lpl.com]

👉 Translation:
Expect a more market-driven, less intervention-heavy Fed

5. Leadership Reality Check

He is NOT all-powerful

Only 1 vote on the Federal Open Market Committee [cbsnews.com]

Must build consensus among 12 voting members

👉 Translation: Policy changes will likely be gradual, not abrupt

📊 Big Picture (What it means for markets)

💵 Political pressure → wants lower rates
📈 Inflation still elevated → limits immediate cuts
🧠 Warsh philosophy → mix of:

Hawkish discipline
Potential future easing

⚖️ Outcome → likely slow, cautious transition, not drastic moves right away

✅ Simple takeaway:
Warsh steps in with a divided Senate backing, a mandate for change, and heavy political pressure—but he’s signaling independence and a measured approach, especially with inflation still a problem.

💡 CLARITY Act Update (Just Passed Committee!)🏛️ What Happened✅ The Senate Banking Committee advanced the CLARITY Act📊 Vo...
05/15/2026

💡 CLARITY Act Update (Just Passed Committee!)

🏛️ What Happened
✅ The Senate Banking Committee advanced the CLARITY Act
📊 Vote: 15–9 (bipartisan — all Republicans + 2 Democrats)
➡️ Next step: Full Senate vote [cnbc.com], [cryptotimes.io]

🧾 What is the CLARITY Act?
💻 A major crypto regulation bill designed to finally create clear rules for digital assets in the U.S.
👉 Goal: End years of confusion around who regulates crypto and how

🔑 Key Highlights (What the Bill Does)
⚖️ 1. Defines Who Regulates Crypto

🏛️ SEC → oversees crypto that behaves like securities
📈 CFTC → oversees digital commodities (like Bitcoin) [forbes.com], [financemagnates.com]

👉 Big deal: Ends the long-running SEC vs. CFTC turf war

🪙 2. Creates Clear Crypto Classifications

🔹 Digital commodities (Bitcoin, Ethereum-style assets)
🔹 Securities (tokens tied to companies/raising capital)
🔹 Stablecoins (treated separately with joint oversight) [mudrex.com]

🏦 3. Regulates Exchanges & Brokers

Requires crypto platforms to:

✅ Register with regulators
🔍 Follow anti-money laundering rules
🛡️ Meet compliance standards [forbes.com]

🧠 4. Supports Innovation (with Guardrails)

Protects DeFi developers & software builders
Encourages U.S. crypto growth + investment [banking.senate.gov]

💵 5. New Stablecoin Rules

❌ No “interest-like” payouts just for holding coins
✅ Rewards allowed for actual usage (payments, activity) [forbes.com]

🔐 6. Consumer & Security Protections

🛑 Anti-fraud rules
🔍 Crackdown on illicit finance
📊 More transparency for investors [banking.senate.gov]

⚔️ Why It’s Controversial
✅ Supporters (crypto industry):

Finally gives certainty → attracts capital 💰
Keeps innovation in the U.S. 🇺🇸

❌ Opposition (banks, some Democrats):

Could increase fraud risks ⚠️
May hurt traditional banking 🏦
Concerns about ethics + oversight

📊 Bottom Line
💡 This is the biggest U.S. crypto regulation step EVER
📈 It brings clarity, structure, and legitimacy to digital assets
⚖️ But still faces a tough road through Congress

🔥 In simple terms:
The CLARITY Act is about turning crypto from a “wild west” 🤠 into a fully regulated financial system 🚦

05/15/2026

🌍🤝 Global Spotlight: Trump–Xi China Summit Recap 🇺🇸🇨🇳

Big week on the world stage as President Donald Trump and President Xi Jinping wrapped up a high‑profile two‑day summit in Beijing — focused on stabilizing relations, trade, and global security.

🔥 Key Takeaways:
• Both leaders emphasized strengthening the U.S.–China relationship, calling it one of the most important in the world
• Discussions covered trade, AI, Taiwan, and global tensions (including the Iran conflict & energy routes)
• Trump highlighted “fantastic” potential trade deals, including major Boeing purchases and expanded economic cooperation
• Xi issued a clear warning that mishandling Taiwan could lead to serious conflict ⚠️
• While the tone was positive, no major breakthroughs were officially confirmed — more about stabilizing than resolving differences [financialexpress.com], [nbcnews.com] [financialexpress.com] [nbcnews.com]

💼 Power Players in the Room (Top CEOs):
This summit wasn’t just political — it was a business powerhouse gathering, with 15+ major U.S. executives in attendance:

🚗 Elon Musk (Tesla)
📱 Tim Cook (Apple)
🧠 Jensen Huang (NVIDIA)
💰 Larry Fink (BlackRock)
🏦 David Solomon (Goldman Sachs)
🏛️ Jane Fraser (Citigroup)
✈️ Kelly Ortberg (Boeing)
🏭 H. Lawrence Culp Jr. (GE Aerospace)
📡 Cristiano Amon (Qualcomm)
💻 Sanjay Mehrotra (Micron)
…and others shaping the future of tech, finance, and global trade [newsweek.com], [forbes.com]

💡 CEOs joined discussions on expanding U.S. business access in China, investment opportunities, and major deal-making initiatives between the world’s two largest economies. [newsweek.com]

📊 Bottom Line:
A summit filled with symbolism, big names, and cautious optimism — signaling cooperation where possible, while major geopolitical tensions remain.

🌐📈

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