Royal Wealth Management

10/22/2026

We can help prepare, enroll today!
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10/22/2026

Trust & Will's 2026 Estate Planning Report found that 56 percent of adults don't have core documents in place, including:

📝 A will: who gets what, and who is in charge of making it happen

🏥 A healthcare directive (or living will): what you want if you cannot speak for yourself

✍️ Two powers of attorney, one for medical decisions and one for financial decisions, each naming a specific person

📄 A letter of instruction: the practical map to where accounts live, who your professionals are, and what your kids or pets need

The friction is that estate work forces a family to sit with mortality, name specific people for specific roles, and make decisions that feel too permanent to rush.

Without something in writing, though, families are left improvising during one of the most difficult moments of their lives.

Most say they fully intend to get to it, but too many put it off until it's too late.

Don't put it off. Talk to a financial professional who can help.

10/20/2026

Retirement today looks very different than it did a generation ago. With rising inflation, changing tax laws, and the decline of traditional pensions, planning for the future has become more complex and personal.

Retirement Planning Today® is a comprehensive course designed to help you take control of your financial future. You’ll leave with practical tools, valuable knowledge, and greater clarity about your next steps.

Enroll today!
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10/19/2026

Social Security recipients will receive a 3.6% cost-of-living adjustment (COLA) in 2027, translating to approximately $75 more per month on average.

The increase comes as inflation continues to affect everyday expenses. September's Consumer Price Index showed prices rising 3.7% over the past year.

But will the adjustment be enough? A September AARP survey found that roughly three-quarters of adults age 50 and older didn't believe a 3.5% COLA would keep pace with rising prices.

The actual increase will vary by recipient, and expenses such as health care, housing, and groceries may affect how far that additional income goes.

The Social Security Administration projects a 3.6% cost-of-living adjustment for older adults and people with disabilities starting in 2027.

10/19/2026

What happens to your cash flow when you stop earning a paycheck?

The 2026 EBRI Retirement Confidence Survey caught something interesting about that shift.

📊 Among workers, 33 percent say they turn to a financial professional for guidance.

📊 Among retirees, that number climbs to nearly 40 percent.

National Retirement Security Week (October 19–25 this year) is a reminder to check whether your strategy is evolving with your lifestyle priorities.

If retirement is within a few years, the practical step is not rebuilding the strategy today.

It's identifying the two or three moving pieces that are no longer theoretical, the day you stop working, and consider working with a financial professional who can help guide you.

10/16/2026

Fidelity's 2025 wealth transfer study found that roughly 67 percent of parents age 55 and older have never told their adult children what they will inherit, or whether they will inherit anything at all.

About 33 percent would prefer the kids are kept in the dark about the amount.

Their reasons should feel familiar:
✔️ Worry that a specific number will dampen a child's drive
✔️ Discomfort talking about money at all

The same study found:
Most adult children say they are ready to handle whatever they inherit and would rather shape things while their parents are still around to explain the "why" behind decisions.

Families who have inheritance strategies share some similar habits:
💬 Kids know who the financial professionals are and how to reach them
💬 Everyone knows where the estate documents are
💬 They try to manage any surprises well ahead of time

So, do you tell your children or not?

There's no single right answer here.

Sharing exact numbers isn't necessary, but most families find that a broad discussion can help with priorities and expectations.

10/15/2026

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10/14/2026

A mother in California picked up the phone and heard her daughter's voice, panicked, saying she'd been kidnapped and needed money immediately.

What she'd heard wasn't her daughter. It was an AI-generated clone of her voice.

In a 2025 study, scientists found that when people heard a cloned voice, they correctly identified the voice as AI-generated only about 60 percent of the time.

The FBI attributed more than $890 million in 2025 losses to AI-enabled fraud, and voice cloning is one of the main drivers behind that number.

It is not only older adults being targeted. Younger family members get these calls too, often framed as a sibling or friend in trouble. Older adults just tend to lose the most per incident.

Two ways to protect your family.

🔐 Agree on a private code word or question with the people a scammer is most likely to impersonate (kids, parents, spouse)

📞 If a call like this comes in and you have not set up a code word yet, hang up, then call the real person back

When in doubt, slow down and verify.

10/13/2026

A surprise $90 deposit is landing for some Medicare enrollees this week. For roughly 40 million others, nothing is coming.

The payments are going to people in traditional Medicare Part B, which covers doctor visits, outpatient care, and preventive screenings. Medicare Advantage enrollees, people who pay income-related premiums, and those who already receive premium assistance are not eligible. Most deposits arrive through the Social Security Administration, while some beneficiaries will get a paper check later in October labeled “Medicare Improvement Fund Payment.”

📌 The standard Part B premium is $202.90 in 2026 and is expected to reach $209.50 in 2027.

That context matters. Some analysts note the $90 helps but won’t fully offset rising premiums, and healthcare costs remain a top financial concern across age groups.

For now, the payment is a welcome bit of relief. The bigger question is how coverage costs keep pace over time.

Millions of seniors are getting $90 direct deposits from Social Security this week, prompting questions about the source of the money.

10/13/2026

WHO SHOULD ATTEND?
This course is designed for today’s adults approaching retirement who want to make informed financial decisions about their retirement. Whether you’re building your nest egg or fine-tuning your withdrawal strategy, you’ll benefit from the course—no financial background needed.

https://fen.courses/ZJF0X1?utm_source=Advisor&utm_medium=Link&utm_campaign=FMT-22704?utm_content=Shared