Ammerly Advisors

09/01/2026

08/31/2026

How do you handle your estate if you have a blended family? Here are a few things you should consider...

This article will help your clients with blended families think and prepare their estate strategy.

08/28/2026

If your kids started a summer job, why not look into a Custodial Roth account? Talk to your kids about how they can get started with tax-advantaged savings. Whether they put money in the account or you get it started for them with a gift, it’s a good way to start a great habit. For more information or to set up a meeting, drop us a note today!

We can explain the pros and cons of Custodial Roth IRA, and introduce you to some of the unique features of custodial accounts, including when kids can take control of the asset. Also, remember, with a Roth IRA, to qualify for the tax-free and penalty-free withdrawal of earnings, a Roth must meet a 5-year holding requirement and occur after age 59½. Tax-free and penalty-free withdrawals can also be taken under certain other circumstances, and the original Roth IRA owner is not required to take minimum annual withdrawals.

08/25/2026

The cost of higher education continues to rise, making it more important than ever to have a plan in place. Whether you’re saving for a child or grandchild, this month’s newsletter explores several college savings strategies...

The cost of higher education continues to rise, making it more important than ever to have a plan in place. Whether you’re saving for a child or grandchild, this month’s newsletter explores several college savings strategies...

08/24/2026

Not all inflation numbers measure the same thing. From CPI to PCE, each index tracks different spending patterns—and none of them may reflect yours.

Different inflation indexes may tell different stories. Here's what that could mean for you.

08/21/2026

Turning 65 soon or helping a loved one navigate Medicare?
Join us Tuesday, September 15th for Medicare 101: Understanding Your Coverage Options, an educational seminar designed to help you better understand Medicare, enrollment deadlines, coverage choices, and ways to potentially reduce costs.

We'll go over:
-What Medicare covers and what it doesn’t
-Your Medicare eligibility timeline
-Costs for 2026 (premiums, deductibles, copays)
-The difference between Original Medicare, Medicare Advantage, and Medigap
-How Part D prescription coverage works
-Ways to lower your Medicare costs
-How to avoid penalties and enrollment mistakes and more!

Cetera is under separate ownership from any other named entity. Brian Maust & Robin Leone are not affiliated or registered with Cetera Investment Services. Any information provided by Brian Maust & Robin Leone are in no way related to Cetera Investment Services or its registered representatives.

Click here to reserve your seat by September 8th!
https://ammerly.ceterainvestors.com/events/medicare-101-understanding-your-coverage-options

08/21/2026

Thank you, Bridges For Brain Injury, Inc, for featuring Ammerly Advisors! We're proud to support programs that connect people with nature and foster a deeper appreciation for wildlife conservation. Congratulations on another successful summer of education and engagement across New York! 🐢🦅🌎

The Wildlife Rockstars Summer Series keeps on rolling, and today we'd like to recognize Ammerly Advisors for making that possible!

Thanks to their support, the Wildlife Rockstars were able to bring programs to camps and libraries from Ontario to Orleans County, and everywhere in between.
Sponsors like Ammerly Advisors make it possible for us to share wildlife education and conservation with communities all across New York. Please join us in thanking them for helping the Wildlife Rockstars shine this summer!

To learn more about Ammerly Advisors: https://ammerly.ceterainvestors.com/

08/14/2026

For decades, the focus was on accumulating. Saving, building, preparing. Retirement flips that dynamic.

Suddenly, the goal is to draw on what you’ve built, coordinate multiple income sources, and balance today’s spending with what’s ahead. Life expectancy data suggests many retirees may spend 20 or more years in this next chapter.

That’s not a footnote. It’s the whole story.

The early years of retirement are worth being intentional about. The routines you establish, the way you approach your time and your finances, tend to set the tone for what follows.

That’s something worth talking about.

Source
OECD Life Expectancy at Age 65, 2026

08/13/2026

One of the biggest changes in retirement isn’t financial. It’s social. Work provides structure, sure. But it also provides community. Colleagues, shared goals, and a reason to be somewhere at a specific time.

When that falls away, many retirees find themselves rebuilding their social lives from the ground up. Community groups, volunteer organizations, and new social circles often fill the gaps, but it takes time.

Research shows that more than one-quarter of adults age 65 and older volunteer each year. That’s not a coincidence. For many people, contributing to something larger is part of what makes retirement feel meaningful. If you’re navigating this transition, you’re not alone.

Source
AARP, May 28, 2025