Elizabeth Hoffman - Financial Consultant at NPA Financial

11/06/2026

I recently had the opportunity to take a private flight over Lake George, a place I've visited countless times and have always appreciated. But seeing it from above was a completely different experience.

From the ground, we're often focused on what's directly in front of us. From the air, I could see the full picture. The winding shoreline, the surrounding mountains, and the incredible beauty that had become familiar through repetition suddenly felt brand new again.

It made me think about how often this happens in life.

We get so accustomed to our surroundings, our accomplishments, our relationships, and even our opportunities that we stop noticing just how remarkable they are. Not because they've become less meaningful, but because they've become familiar.

Sometimes what we need isn't a change in circumstances. We simply need a change in perspective.

When we step back and view things from a different angle, we're often reminded of how much there is to appreciate and how far we've come.

Many people focus on what's directly in front of them: this month's market movement, the latest headline, a quarterly statement, or a short-term financial goal.

But when we step back and look from a higher perspective, the view often tells a different story.

✅You see how far you've come.

✅You see the progress that may not be obvious day to day.

✅You see how the decisions you've made over the years connect to the bigger picture.

And sometimes, you realize that while there may still be a distance to go, you've already accomplished more than you give yourself credit for.

Just as a change in altitude transformed my view of Lake George, a change in perspective can transform how we view our financial journey.

The day-to-day noise can be distracting. The long-term view is where clarity lives.

✈️ Sometimes the most valuable thing an advisor can provide isn't a new strategy. It's helping you climb high enough to see the bigger picture.

What's something in your life or finances that looked completely different once you took a step back?

11/02/2026

Roth IRAs and Indexed Universal Life (IUL) insurance are designed for different purposes to support retirement strategies. Each tool has unique features related to taxes, access, and protection that may play a role in your broader plan. If you’re considering your retirement options, I’m happy to discuss the differences with you.

10/29/2026

🎃 Halloween has a way of sneaking up on us.

One minute it's summer, the next we're carving pumpkins, handing out candy, and realizing there's only a couple of months left in the year.

For many of us, Halloween is more than a holiday. It's a reminder that we're entering the fourth quarter and the clock is ticking on the goals we set back in January.

Now is a great time to ask yourself:

✅ Am I on track with my savings goals?
✅ Have I maximized retirement contributions?
✅ Have I reviewed my investment strategy this year?
✅ Am I taking advantage of any tax planning opportunities before year-end?
✅ What financial moves do I still want to make before December 31?

The good news? There's still time.

Just like the final minutes of a close game, the last few months of the year can have an outsized impact on your overall results. Small adjustments today can make a meaningful difference by year-end and help position you for success in the year ahead.

As the costumes come out and the holiday season approaches, don't let your financial goals become the scariest thing you're facing this Halloween.

🎃 Take a few minutes to review your progress, celebrate what's gone well, and create a plan to finish the year strong.

📞 Not sure where you stand or what opportunities remain before year-end? Let's connect for a conversation. Together, we can review your progress, identify potential planning opportunities, and make sure you're on track to achieve your financial goals before the clock strikes midnight on 2026.

09/17/2026

The Fed’s latest rate hike is more than market noise — it’s a shift that affects every financial decision you make. Articles like this one from CNBC help explain the ‘what,’ but a financial professional helps you navigate the 'now what.’ If you’re unsure how this new rate environment impacts your goals, it’s the perfect time to reach out.

The Fed's quarter-point rate hike will impact a range of consumer borrowing and savings costs, including mortgages, credit cards, car loans and deposit rates.

09/01/2026

Reflecting on a great day of golf and raising money for children’s charity. The Vermont Agency 26th Annual All Charity Classic was a wonderful way to play my very first round of golf — and I had the best teacher on my team, my dad. The tournament raised $52,480 for various charities and continued our mission of “dramatically impacting the lives of others.”

Somewhere between the lost balls, crooked swings, and my dad’s very patient coaching (I’m convinced golf is the ultimate test of a father’s endurance), I was reminded that you’re never too old to learn from your parents. Their guidance doesn’t stop when we grow up, it just shifts into new chapters.

It’s the same in financial planning. The lessons we inherit - patience, discipline, long‑term thinking - shape how we build and protect our futures. Whether it’s learning to keep your eye on the ball or your eye on your financial goals, the wisdom passed down through generations is often what keeps us steady.

Here’s to family, to learning at every age, and to building financial legacies that honor the people who taught us the most.

08/21/2026

Here are a few life insurance basics everyone should know:
Term: coverage for a set period of time
Permanent: long-term protection with the ability to accumulate cash value
The right policy depends on your goals, budget, and long-term needs.

Knowledge is the first step to peace of mind.

08/07/2026

Considering getting life insurance and wondering what to expect of your first meeting with me? Let’s make it simple!
1. We talk about your goals
2. We review your current coverage (if any)
3. We identify options that fit your needs

Ready to begin? Let's connect!

08/03/2026

Volatility isn’t always a warning sign — sometimes it’s a feature of a healthy bull market.

Invesco’s latest market commentary highlights something many investors forget: long-term secular bull markets rarely move in a straight line. Periods of doubt, pullbacks, and recalibration are not only normal — they often extend the cycle.

What’s driving this dynamic?

🔹 AI is still in the early innings.
The market is digesting massive expectations around AI investment, timelines, and productivity gains. Short-term skepticism doesn’t negate long-term opportunity.

🔹 Valuations remain grounded.
Despite headlines, the S&P 500’s PEG ratio sits well below its 20-year average, and investor positioning is far from extreme.

🔹 Macro challenges aren’t derailing momentum.
Energy prices, geopolitical tensions, and shifting rate expectations matter, but consumer resilience and anchored inflation expectations continue to support the broader backdrop.

The takeaway:
This isn’t a structural breakdown — it’s a market recalibrating around innovation, uncertainty, and long-term growth potential. Volatility can feel uncomfortable, but it often accompanies periods of meaningful technological transformation.

If you’re navigating this environment, remember:
Volatility doesn’t always signal weakness. Sometimes, it’s part of the path forward.

Markets may face AI skepticism, inflation worries, and geopolitical risks, but the bull market still looks intact amid resilient growth.

07/24/2026

A life insurance policy is more than paperwork. It’s a promise to protect. I’m here to help you make that promise to your future self and your loved ones. Let’s talk!

07/10/2026

Every day I get to help families protect their financial future and build financial stability. That’s something to raise a cup of coffee to!