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Jen Boldt - Envision Wealth Jen Boldt is a registered representative of and offers securities and investment advisory services through MML Investors Services, LLC. Member SIPC.

Registered Representative of and offers securities and investment advisory services through MML Investors Services, LLC, Member SIPC. Supervisory Office: 7101 Wisconsin Ave, Suite 1200, Bethesda, MD 20814. (301) 907-9030. Licensed to sell insurance in AZ, CA, CO, IA, IL, KS, MI, MN, MO, NC, NE, SC, TN, TX, WA and WI. CA insurance license number 0k01126. Envision Wealth is not a subsidiary or affiliate of MML Investors Services, LLC, or its affiliated companies.

There's a reason so many women business owners half-joke that their real title is "everything."More women than ever are ...
10/14/2026

There's a reason so many women business owners half-joke that their real title is "everything."

More women than ever are starting and running businesses, and they're doing it at a faster clip than the market overall.

Census data show women now own more than 14 million businesses nationwide, a number that's grown 26 percent since 2012, compared with 19 percent growth for businesses as a whole.

A lot of that growth is happening online, where women-owned businesses tend to be more digitally integrated than those owned by men.

It also means millions of women are managing key decisions from scratch:

• How income gets paid (salary, distributions, or owner draws) and what that means at budget time

• Which retirement vehicle fits, and how much room there is to contribute

• How healthcare, disability, and other insurance get sourced without an employer default

• How the business gets valued, and what a sale or transition would actually look like

• How personal finances stay untangled from the business's finances

Wearing a tall stack of hats doesn’t make entrepreneurship harder than it's worth. Plenty of women running these businesses would say the trade-offs are part of the deal. But it does mean the hats keep stacking up, one on top of the other.

This month is a good time to tip our own hats to the women doing it all at once.

Cyber criminals pay extra attention to accounts tied to money.A 2026 FBI study found that over 12,400 of those victims l...
10/12/2026

Cyber criminals pay extra attention to accounts tied to money.

A 2026 FBI study found that over 12,400 of those victims lost more than $100,000 each, and the average reported loss across elder fraud victims that year was $38,500. Here are a few habits to fine-tune your digital security this month:

• Turn on multi-factor authentication everywhere it's offered. Yes, it’s annoying, but according to a 2026 CISA report, using it makes an account roughly 99 percent less likely to be broken into. It only takes a minute to set up.

• Give every account its own password. Reusing one password means one leaked login unlocks everything else. A password manager handles this without requiring you to remember dozens of them.

• When you go to the dentist, put a reminder on your calendar to also change your passwords. Changing passwords often makes your accounts just that much harder to reach.

• Pause before clicking. Phishing remains the most commonly reported cybercrime in the country, more than any other category the FBI tracks.

• Check statements regularly, and turn on account alerts. Catching something small and wrong early is a lot easier to unwind than catching something large and wrong months later.

• Consider freezing your credit if you're not actively applying for new credit or loans. This takes 15 minutes, one time.

None of this requires becoming a security expert. Pick the one or two that you've been putting off, and do it this week.

What’s one financial decision you’ve made that helped you feel more prepared for your future?For many of the people we w...
10/07/2026

What’s one financial decision you’ve made that helped you feel more prepared for your future?

For many of the people we work with, it’s not a single investment or product; it’s taking the time to create an overall strategy.

October is Financial Planning Month—which is all about how the pieces of your financial picture fit together to help pursue your financial goals.

It's about putting together a comprehensive approach that manages your investments and retirement, provides for your loved ones—all while staying flexible enough to adjust as things change.

If you’ve been meaning to update your strategy or to create one for the first time, it’s never too late to start.

What would you tell your 25-year-old self about money?Getting insight from people who’ve been in your shoes can be power...
09/28/2026

What would you tell your 25-year-old self about money?

Getting insight from people who’ve been in your shoes can be powerful when you are young.

Time is more powerful than timing.

At 25, it can feel like you have forever to start investing. But the biggest advantage you have isn't picking the perfect investment—it's giving your money more years to grow.

If we could go back, we'd say:

• Start investing before you think you're "ready."

• Build sound habits over chasing returns.

• Lifestyle inflation is sneaky; don't let every pay rise become a spending rise.

• An emergency fund isn't boring. It can help when you least expect it.

• You don't need to know everything to get started.

What would you add?

Drop your best insight in the comments. Someone who's 25 today may need to hear it.

Will your future income keep pace with the life you are preparing for?In October, the Social Security Cost-of-Living Adj...
09/21/2026

Will your future income keep pace with the life you are preparing for?

In October, the Social Security Cost-of-Living Adjustment (COLA) for 2027 will be announced.

The annual adjustment is designed to help benefits keep up with inflation, but the same principle can be applied more broadly.

Your retirement income may need to be adjusted as your life, expenses, and priorities change.

Healthcare, insurance, travel, home maintenance, and support for family members can all affect the income you may need to generate.

Ask yourself:

• Has your expected retirement spending changed?

• Are certain future expenses rising faster than you thought?

• Does your income strategy account for inflation?

• Are you strategizing for the lifestyle that you budgeted for years ago?

A thoughtful retirement income strategy should evolve as your life and expenses change.

More and more people are now using AI for financial questions.And with tools like ChatGPT adding bank account integratio...
09/14/2026

More and more people are now using AI for financial questions.

And with tools like ChatGPT adding bank account integrations, personalized financial guidance is starting to feel more accessible than ever.

So yes, AI can help organize information, model scenarios, and answer technical questions faster than most people could on their own.

BUT… financial insight isn’t just a math problem.

AI cannot talk to you about the pros and cons of making a portfolio adjustment when stock prices are falling. It might struggle to fully weigh your family dynamics, health concerns, risk tolerance, competing goals, or what will actually help you feel confident in your decisions.

That is where human guidance still matters.

Vanguard’s long-running Advisor’s Alpha research highlights behavioral coaching as one of the most valuable aspects of a relationship.

Not stock picking. Not market timing.

Helping people manage emotion when the stakes are high.

The future is not AI vs. financial professionals.

The future is for those who use better tools while still bringing judgment, context, and a real understanding of the person behind the strategy.

Which month historically gives the S&P 500 its biggest headache?If you said October, think again!Although October has a ...
09/07/2026

Which month historically gives the S&P 500 its biggest headache?

If you said October, think again!

Although October has a reputation for market events, September is actually the month that's experienced more downturns.

September finishes higher less than half the time (historically around 44 percent).

There are theories behind it.

Institutions often rebalance their portfolios at the end of the third quarter, adding to the volatility.
Traders return from a slower summer, which can shake up trading.

And the federal government's fiscal year ends September 30, so budget uncertainty also tends to land in September.

Did you already know this? Or is this new news?

The S&P 500 is an unmanaged index that is considered representative of the U.S. stock market. Index performance is not indicative of the past performance of a particular investment. Past performance does not guarantee future results. Individuals cannot invest directly in an index.

Some professionals assume their financial strategy is in better shape than it is. Not because they're careless. Because ...
08/14/2026

Some professionals assume their financial strategy is in better shape than it is. Not because they're careless. Because they're busy.

Today is National Financial Awareness Day. Four questions worth sitting with:

• If something happened to you tomorrow, would your family know what you have, where it is, and what to do?

• Are you on track to replace your income in retirement, or are you assuming you will be?

• Has your financial strategy changed as much as your life has in the last 12 months?

• If markets dropped tomorrow, do you have written goals or a general sense of what you'd do?

You don't have to answer all four today. But if one made you pause, that's the one worth paying attention to.

There is usually no single moment when the roles begin to shift with aging parents.A confusing medical bill.A missed pay...
08/03/2026

There is usually no single moment when the roles begin to shift with aging parents.

A confusing medical bill.
A missed payment.
A scam text that almost got clicked.

When and how do you step in without taking over?

The goal is not to take control.

The goal is to make sure helpful people, information, and safeguards are in place before decisions have to be made under pressure.

One potential conversation starter you could try…

“We are reviewing our own estate documents and realize we should understand where everything is.”

Sometimes, that is enough to open the door.

The families who tend to feel best about how this chapter goes are the ones who approached it as a proactive exercise rather than a response to a problem.

We are glad to be part of that process at whatever stage a family is ready to begin.

Travel fraud gets worse every summer, and we hear more stories from clients every year.A quick login from the lobby.A br...
07/28/2026

Travel fraud gets worse every summer, and we hear more stories from clients every year.

A quick login from the lobby.

A brokerage app checked from the airport lounge.

A bank balance pulled up at a cafe.

Public networks are where accounts can get exposed.

A few habits worth building before the next trip:

• Skip public WiFi for anything financial. Use cellular data or a personal hotspot.

• Turn on real-time transaction alerts for every card.

• Consider using credit, not debit.

• Watch for skimmers (devices attached to gas pumps and ATMs that copy card data).

A few minutes of preparation before the trip can help prevent months of cleanup after.

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