Aaron Cahill, MBA, CRPC at Voya Financial Advisors

11/02/2026

Are You Leaving FREE Retirement Money on the Table?

Starting in 2027, the federal government is introducing a new retirement savings incentive called the Saver's Match, providing eligible individuals with up to $1,000 annually in federal matching contributions!

If you work in education and don't already have a supplemental 403(b), NOW is the time to consider opening one!

Many New York State educators and public employees participate in a pension system but may be missing an opportunity to build additional retirement savings.

Here's how the new program works:
✅ The federal government may match 50% of your eligible retirement contributions.
✅ Contributing $2,000 annually could result in an additional $1,000 toward retirement.
✅ Both traditional and Roth 403(b) contributions can qualify.
✅ Married couples could potentially receive up to $2,000 combined annually.

Why is this important?

Mandatory pension contributions generally do not qualify for the Saver's Match. However, voluntary contributions to a supplemental 403(b) may qualify.
That means eligible employees without a supplemental retirement savings account could be leaving valuable federal matching dollars on the table.

Don't wait until 2027 to start planning!

Whether you're just beginning your career or have been working in education for years, now is an excellent time to review your retirement benefits and explore your options.

Let's connect! I'd welcome the opportunity to help you understand your benefits, explore your eligibility, and establish a supplemental retirement savings strategy.

The Saver's Match begins with eligible 2027 contributions. Income limits, eligibility requirements, and other restrictions apply. The maximum match is not guaranteed.

10/29/2026

Proud to support the SUNY Oswego Women's and Men's Ice Hockey programs this season!

Always great to support student-athletes and be part of the SUNY Oswego community.

Whether on the ice or planning for retirement, success starts with having a game plan, anticipating what's ahead, and being willing to take the shot. The decisions you make today can help put you in a better position for tomorrow.

At Voya Financial Advisors, we believe in planning for where you're going, not just where you are.

Wishing both Lakers hockey programs a successful season on and off the ice!

📸

10/15/2026

The S&P 500 has reached 28 new all-time highs in 2026, but history tells an even more interesting story.

Between 2001 and 2006, the S&P 500 didn't reach a single new all-time high. After briefly setting records in 2007, investors waited until 2013 to see another.

Fast forward to more recent years:

📊 2021: 70 all-time highs
📊 2024: 57 all-time highs
📊 2025: 39 all-time highs
📊 2026: 28 all-time highs (through October 6)

So, what can investors learn from this?

Markets are constantly changing. Periods of growth are often followed by volatility, uncertainty, or stretches of little progress.

While it's tempting to react to market headlines, attempting to predict the next market move can be difficult.

The key isn't trying to time the market. It's making sure your financial plan is built to navigate it.

Whether markets are reaching new highs or experiencing downturns, maintaining a disciplined investment strategy aligned with your goals, time horizon, and risk tolerance remains important.

Successful financial planning isn't about predicting tomorrow. It's about preparing for it.

10/15/2026

Social Security Announces 3.6% Cost-of-Living Increase for 2027!

The Social Security Administration officially announced that benefits will increase by 3.6% in 2027, compared to the 2.8% adjustment in 2026.

What does this mean for retirees?

For the average Social Security retirement beneficiary, this translates to approximately:

$75 more per month
$900 more per year

The increase will take effect with January 2027 benefit payments and impact nearly 72 million Social Security beneficiaries.

But here's something important to consider…

While an increase in benefits is welcome news, it doesn't necessarily mean retirees will have more money in their pockets.

Rising healthcare expenses, Medicare premiums, inflation, and taxes can all influence how much of that increase retirees actually keep.

Retirement planning is about more than just how much income you receive. It's about how far that income will go.

10/09/2026

SUNY Oswego Employees, Are You Ready for Retirement?

Retirement planning comes with important decisions, and it's never too early to start preparing!

Join us for an informative workshop focused on retirement income planning, Social Security, pensions, managing risks, and strategies to help you prepare for the retirement you envision.

Marano Room 205
Wednesday, October 21st
12:00 PM – 2:00 PM

Bring your questions! We'll have an open Q&A throughout the workshop, providing opportunities to discuss the topics that matter most to you. Lunch will be provided. We ask you to let us know in advance if you bring a guest to ensure we have enough food for everyone.

Click the link below to complete your reservation

We look forward to seeing you!

timetap.com

10/09/2026

My Q3 2026 Quarterly Market Letter is officially here!

The third quarter of 2026 brought continued market volatility, rising interest rates, higher energy prices, and ongoing geopolitical uncertainty. Despite these challenges, strong corporate earnings and a resilient economy helped push markets to new highs.

In this edition, we break down the key market trends from the quarter, provide perspective on what drove performance, and share what we're watching as we head into the final quarter of the year.

We're grateful for the continued trust of our clients and community.

You can read my full Quarterly Market Letter below:

As always, if you'd like to discuss how current market conditions may affect your personal financial plan, retirement strategy, or investment portfolio, don't hesitate to reach out.

cahill-financial.com

09/24/2026

Looking forward to spending time with Corning Community College employees this October!

Join Human Resources and other benefit partners for your Open Enrollment on October 22nd. I'll be presenting and available to answer questions about the SUNY retirement benefits and planning.

I'll then be back on campus October 29th from 9:00 AM–4:00 PM for individual meetings and open office hours.

Whether you're just getting started, reviewing your current plan, or looking for guidance on your next steps, we're here to help.

Interested in meeting one-on-one? Reach out directly to schedule a time for October 29th or reserve your meeting today by clicking the link below.

timetap.com

09/22/2026

Liverpool CSD Employees — Are You Maximizing Your Employer Contribution?

As a Liverpool Central School District employee, you may be eligible for an employer contribution based on your base salary:

Teachers Unit
Up to 1.5% of base salary

Teaching Assistants, Teacher Aides & Office Staff (OPLAS)
Up to 1% of base salary

Understanding how the employer contribution works can be an important part of making the most of your retirement benefits.

Have questions or need help getting started?

09/16/2026

For many SUNY employees, retirement isn't just about choosing a date — it's about understanding how all the pieces fit together.

With SUNY Oswego recently announcing a Voluntary Separation Incentive Program, some employees may be facing important financial decisions sooner than expected.

Before making that decision, it's important to understand the bigger picture:

• Pension & retirement income
• Social Security
• 403(b), 457(b) & other retirement accounts
• Healthcare costs
• Taxes
• Long-term income needs
• How an incentive fits into your overall retirement plan

These are significant decisions, and you shouldn't have to navigate them alone.

I work with SUNY employees throughout their careers to help them better understand their benefits, evaluate their options, and build a plan designed to provide confidence around retirement.

If you're considering retirement — now or in the next few years — I'm happy to be a resource.

09/03/2026

Investor Bill Gurley once joked that the reason Silicon Valley has created so much wealth is because it's the city furthest from Washington, D.C.

There's some humor in that, but also an important reminder for investors as we approach the midterm elections.

Since 1974, midterm election years have experienced an average maximum intra-year S&P 500 decline of approximately 18%, compared with 14% during presidential election years and 12% during other years.

That's not a prediction for 2026. It's perspective.

Zoom out even further: from 2009 through August 2026, the S&P 500 compounded at approximately 15% annually—across five presidential terms, both political parties, a pandemic, inflation, geopolitical conflicts and countless unsettling headlines.

Politics matter. But over the long run, businesses, earnings, innovation and economic growth matter too.

As November approaches, the goal shouldn't be to predict the next headline or market move. It should be to make sure your financial plan is prepared for whatever comes next.

Stay informed. Stay diversified. Stay focused on the plan.