Bob Sikorski

09/03/2026

National 401(k) Day arrives every year on the first Friday after Labor Day, serving as a crucial reminder to prioritize retirement savings. With many Americans unprepared for their golden years, this day prompts us to assess our financial health and take proactive steps. Take advantage of employer-sponsored plans, understand your investment options, and consult a financial advisor to build a robust retirement strategy.

Respond below with a yes or no. Do you have a 401(k)?

08/25/2026

U.S. credit card debt is approaching a record high.

Americans’ credit card balances reached $1.26 trillion in the second quarter, rising by $21 billion, according to new data from the Federal Reserve Bank of New York.

That puts credit card debt just below the all-time high of $1.28 trillion set late last year.

Strong consumer spending is one factor behind higher balances. Rising prices for essentials like groceries and gas may also be contributing.

Delinquencies remain a concern. The share of credit card balances more than 90 days delinquent rose from 7.6% to 12.8% from mid-2022 through early 2026.

Total U.S. household debt now stands at $18.8 trillion. Auto loan debt also reached a new high of $1.71 trillion.

For households, rising debt is a reminder that everyday expenses, interest rates, minimum payments, and emergency costs can all affect financial flexibility.

08/17/2026

08/11/2026

Did you know that August 14th is National Financial Awareness Day? On this day we focus on Personal Budget Reviews and Debt Reduction Goals. When is the last time you reviewed your goals? Take the time to make an appointment with us at Upstream and we can help with both!

07/28/2026

When it comes to small business retirement options, the choices can feel overwhelming. This post highlights that a SEP-IRA, SIMPLE IRA, and 401(k) are structured differently, and that the right fit depends on business size, number of employees, and overall goals.

07/22/2026

Your life isn't like anyone else's. And your retirement planning shouldn't be a cookie cutter strategy either. Talk to me for a personalized plan that fits your lifestyle. We all have a unique plan and needs!

07/04/2026

What does financial independence mean to you?

07/02/2026

When you hear "financial freedom," what does that mean to you?

06/29/2026

The oak tree and the retirement account had the same advice: Start growing early. Neither one gets taller because you stare at it.

06/25/2026

What's the smartest purchase you've ever made?