Forman Investment Services

08/26/2026

Advantages and disadvantages of Traditional IRA vs. Roth IRA 👇🏻

formanis.com

08/21/2026

Still waiting on a call back from your financial advisor? 👀

Communication matters more than most people realize. A good advisor should help you feel informed, supported, and confident — not left guessing.

08/14/2026

Exciting News! 🎉
We are proud to announce that Troy and Nick have earned the Certified Exit Planning Advisor (CEPA®) designation from the Exit Planning Institute®.

Business owners face unique challenges when growing and eventually transitioning their companies. This credential equips Troy and Nick with the Value Acceleration Methodology™.

What this means for local business owners:
• Maximize Enterprise Value: Build a more valuable, efficient company today.
• Tax Mitigation: Protect your hard-earned equity from heavy tax burdens.
• Seamless Transitions: Align your personal, financial, and business goals for your next chapter.

If you are a business owner looking to grow your company's value or plan for the future, let's connect!

www.formanis.com

08/13/2026

You're Invited!
Planning for retirement is about more than a number—it’s about creating a vision for the life you want.

Join us on Thursday, September 10 for a retirement readiness seminar designed to help pre-retirees think through the next chapter and identify practical steps to prepare.

Please RSVP by September 7 using the contact information below.

08/12/2026

$27 a day doesn't sound life-changing…
Until you realize it's $10,000 a year.

When you understand where your money is going, you can make more intentional choices and direct more toward the things that truly matter to you.

08/08/2026

Capital gains can have a bigger impact on your investment returns than many people realize — knowing the tax rules and planning ahead may help you keep more of your money.

jpmorgan.com

08/06/2026

Time is one of the biggest advantages young investors have.

Small, consistent investing over time can add up in a big way thanks to the power of compounding. The key isn't trying to time the market — it's giving your money more time in the market.

Know a young professional, recent graduate, or someone just starting their career? Share this with them.

08/03/2026

A 529 plan can help you save for future education expenses while giving your investments time to grow. Starting early — even with small contributions — can make a big difference over time. 🐾🎓

07/28/2026

Smart tax planning isn't just about what you earn — it's also about where you save. Tax-advantaged accounts can help you reduce taxes today while building for the future. 💡

✔️ 401(k)s & IRAs for retirement
✔️ HSAs & FSAs for healthcare costs
✔️ 529 plans for education savings
✔️ Potential tax-deferred or tax-free growth

The right mix of accounts can make your financial plan more efficient and help keep more of your money working toward your goals.

raymondjames.com

07/17/2026

When you sell an investment or asset for more than you paid, the profit is called a capital gain.

Understanding capital gains can help you make more informed investment and tax decisions for your long-term financial future.