Deneault & Greyard

06/08/2026

How much is enough for your emergency fund?

Having an emergency fund may help alleviate the stress and worry associated with a financial crisis.

06/05/2026

When are you taking your Social Security benefits? Considering the timing can help maximize your benefit.

Taking your Social Security benefits at the right time may help maximize your benefit.

06/05/2026

Markets continued their upward climb in May, supported by strong technology performance, positive economic data, and ongoing diplomatic efforts in the Middle East. The Nasdaq gained 8.36%, the S&P 500 rose 5.15%, and Canada’s S&P/TSX Composite added 2.37%, while investors welcomed better-than-expected job growth and upbeat corporate earnings. With the Fed's next meeting scheduled for June, attention is turning to updated economic projections and what they may signal about the broader economy. From \$24 billion spent on Father's Day to the popularity of dining out and special outings, this month's by-the-numbers highlights how families celebrate the dads in their lives.

Stocks surged in April, notching their best month in five years as investors cheered upbeat economic news, efforts to lower tensions in the Middle East, and first-quarter results.

06/04/2026

If you're worth $500k+, one accident could cost you hundreds of thousands of dollars.

Umbrella insurance protects you beyond your normal insurance's liability limits.

Most auto and home policies have a liability limit of $300k-500k.

If you’re sued for more than that, you may be responsible for the difference.

It can be as simple as someone slipping on your driveway to derail your financial goals.

$1 million in coverage usually only costs around $25/month (though costs vary based on your situation).

We don't sell it, it’s worth asking your insurance agent about.

If you don't have an insurance agent, message us and we'd be happy to connect you with one.

06/03/2026

Learn about Medicare Advantage and the choices it offers you for health care coverage, prescription drugs, and more.

Overview of Medicare Advantage, what’s in them, special rules, and more.

06/01/2026

A home warranty may make sense, but you need to set proper expectations.

05/29/2026

"I left my job, what should I do with my old 401(k)?"

Generally, you have a few options:

1. Leave it where it is

Many employer plans allow former employees to keep their money in the plan. This can make sense if:

• Investment options are good

• Fees are reasonable

• Your plan has special features that are not available elsewhere

2. Roll it into your new employer’s plan

If your new company offers a 401(k), you may be able to consolidate everything into one place. Potential advantages:

• Easier to track

• Fewer accounts to manage

• Your new plan may have lower fees and/or better investment options

3. Roll it into an IRA

This may provide more investment options and potentially more flexibility. Things to consider:

• Investment choices

• Fees and expenses

• Creditor protection in your state

• Withdrawal rules

One thing I’d generally avoid when possible: cashing it out. The taxes and penalties can be significant.

We have a tool we use to help our clients compare retirement plan costs, investment options, and plan features. Before making a decision, make sure you really understand the pros and cons of your options.

05/29/2026

Congress passed SECURE 2.0, a new set of retirement rules to make saving and accessing funds for retirement easier. Check out the major provisions of the law.

A timeline covering a few of the major provisions of the SECURE Act 2.0.

05/27/2026

Information vs. instinct. Are your choices based on evidence of emotion? This piece helps answer those questions.

Information vs. instinct. Are your choices based on evidence of emotion?

05/25/2026

The roof protects your home against nature’s risks. Is your personal wealth protected against life's risks?

Building wealth requires protection from the forces of wealth destruction.