Pagano & DiNicola Wealth Management & Strategic Tax Solutions

11/02/2026

owners and self-employed taxpayers: If you receive payments for goods or services through credit cards, payment apps, or online marketplaces, you may get a Form 1099-K. Learn more from the : IRS.gov/1099K

10/31/2026

🎃 Happy Halloween! 👻

Wishing everyone a fun, safe, and sweet Halloween filled with lots of treats and happy memories! Have a spooktacular day! 🧡🍬

10/30/2026

🍂⏰ Don't forget to fall back this weekend!

Daylight Saving Time ends Sunday, November 1st, giving us an extra hour of sleep! But did you know the time change can temporarily throw off your body's internal clock?

Adjusting to the time change doesn't always happen overnight. A few simple changes to your daily routine can help you get back on track and feel your best!

Check out this Forbes article for 5 tips to reset your circadian rhythm after the time change. It's a great reminder to take care of yourself while adjusting to the shorter days and longer nights.

👇 Give it a read!

5 Tips to Reset Your Circadian Rhythm After Daylight Saving Time – Forbes

Wishing everyone a restful weekend! 😊

Reset your circadian rhythm after Daylight Saving Time with 5 science-backed tips. Protect your energy, sleep, and executive focus from the fall time change.

10/29/2026

💳 Carrying a credit card balance is becoming more common among Gen Z, even as other generations are moving in the opposite direction.

A Deloitte and ConsumerSignals survey found that the share of adults ages 18 to 29 carrying a balance from month to month rose more than 19% between late 2023 and mid-2026. Over that same period, the share declined among every other adult generation.

And with average credit card interest rates around 21% in August, those balances can become expensive.

For younger adults juggling housing costs, student loans, and everyday expenses, there's another challenge: deciding how to balance paying off debt with saving for the future.

High-interest debt can make it harder to build emergency savings or contribute toward long-term goals. But factors such as interest rates, available savings, and workplace retirement benefits can all influence which financial priorities deserve attention.

The important takeaway? A credit card balance isn't just about what you owe today. It's also about how interest may affect what you have available tomorrow.



Source:

Deloitte finds the share of Gen Z borrowers carrying credit card balances rose nearly 20% from Q3 2023 to Q2 2026.

10/28/2026

🚒🚑🚔 Happy National First Responders Day! 🇺🇸

Today, we recognize and thank the brave men and women who are always ready to answer the call. ❤️

To our firefighters, police officers, EMTs, paramedics, and all first responders — thank you for your courage, your sacrifices, and your commitment to keeping our communities safe.

Your willingness to step up when others need help does not go unnoticed. We are grateful for all you do, not just today, but every single day. 🙏

Thank you for being there when it matters most! 🇺🇸

10/27/2026

Talking with your parents about their wishes as they get older isn’t always easy. ❤️

You may worry about making them uncomfortable, or they may not feel ready to discuss it. But understanding what matters to them can make a difference if your family ever faces difficult decisions.

💬 The conversation doesn’t have to cover everything at once. You might start with a couple of simple questions:
▪️“Have you thought about what you’d want if you ever needed help making decisions?”
▪️“Do you have important documents somewhere we could find them if needed?”

Over time, those conversations may cover medical preferences and documents like a will or power of attorney.

And if your parents aren’t ready to talk? That’s okay. Respecting their comfort and independence is part of the conversation, too.

This isn’t about taking over. It’s about listening, so their wishes are understood if they’re ever needed.



Source:

End-of-life planning can be difficult to discuss, but the right approach can make the conversation easier.

10/26/2026

10/23/2026

🎃 Filling the candy bowl is costing more this year.

Candy and chewing gum prices have climbed 8.1% over the past year, according to the Bureau of Labor Statistics. Chocolate prices are up, too, though estimates vary by source. 🍫

But higher prices aren’t necessarily keeping Americans out of the candy aisle.

The National Retail Federation expects Halloween spending to reach $13.5 billion this year, with 96% of Halloween shoppers expecting to buy sweets.

For many households, the holiday is one of those small traditions worth making room for, even when everyday expenses are taking a bigger bite out of their budgets.

Whether you’re picking up candy for trick-or-treaters or sneaking a few pieces for yourself, what’s the one Halloween candy you can’t resist? 🍬👻



Source:

Average prices for chewing gum and candy have soared 8.1% over the last year, according to the Bureau of Labor Statistics.

10/22/2026

🎃 The holidays will be here before we know it!

Between gifts, travel, food, and festivities, expenses can add up quickly. One simple way to reduce financial stress is to set a holiday budget now.

💰 Decide what you can comfortably spend
📝 Make a gift and travel list
🎁 Set aside a little money each week
💳 Keep an eye on credit card balances

Enjoy the season without letting January bring a financial fright! 👻

10/21/2026

Fall is all about fresh starts and getting organized! 🍂 Why not give your finances a little attention, too?

✔️ Revisit your financial goals
✔️ Review your retirement savings
✔️ Check your budget before the holidays
✔️ Start thinking about year-end tax planning

Small steps today can help you feel more confident about tomorrow. What's one financial goal you'd like to accomplish before the year ends?