Private Client Group, AM

10/14/2026

Read the latest issue of Retire Wise here:

October marks Cybersecurity Awareness Month, and for retirees and near-retirees, that awareness matters more than most people realize. Scammers increasingly…

10/14/2026

A new job usually gets evaluated by salary first. That number matters, but it is rarely the whole picture.
Stock options or equity grants, a different retirement plan structure, a vesting schedule, new insurance elections, and an old 401k that needs a decision all show up alongside the offer letter, often without much time to think them through.
Does the new retirement plan match or improve on what you have now? What happens to unvested equity if you leave your current role? Where should that old 401k actually go?
A career change is a good moment to look at the whole financial picture, not just the number at the top of the offer.
https://www.privateclientgroupam.com/building-wealth

10/12/2026

Inflation is back in the spotlight as the Fed prepares for its next meeting. This week's CPI and PPI reports are expected to tell two different stories: higher headline inflation driven by rising energy prices, but potentially softer core inflation beneath the surface.
Join CIO Gene Goldman on this week's episode of as he breaks down what the latest inflation data could mean for Fed policy, interest rates, and the path forward for markets.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

10/12/2026

Inflation rarely shows up as a single dramatic event. It shows up quietly, a little at a time, until the numbers in your plan no longer match the life you are living.
A retirement income figure that looked comfortable five years ago may not stretch the same way today. A savings goal set without accounting for rising costs can end up short, even if you hit the original number.
Has your plan been adjusted for how prices have moved, or is it still based on an older set of assumptions? Are your investments positioned to keep pace over time, not just to avoid losses?
Building some room for rising costs into a plan tends to matter more than reacting to any single year of inflation.
https://www.fidelity.com/learning-center/personal-finance/retirement/inflation-retirement-income

10/09/2026

Most business owners can tell you last year's revenue without hesitation. Fewer can tell you what the business itself is actually worth.
That number matters for more than a future sale. It affects estate planning, insurance coverage, partnership agreements, and how much of your net worth is genuinely liquid versus tied up in something that takes time to convert to cash.
When did you last get a real sense of your business value? Does your personal financial plan assume a number that may no longer be accurate?
Understanding your business value is not about planning an exit. It is about knowing the full shape of your financial picture, whether or not a sale is anywhere on the horizon.
https://www.privateclientgroupam.com/business-owners

10/07/2026

Open enrollment tends to arrive at a busy time of year, and most people click through it as fast as they can.
That is understandable, but a few of those choices carry weight well beyond next January. Health plan selection, HSA or FSA contributions, and any life or disability insurance elections through work all connect to the rest of your financial plan, not just your paycheck.
Has your health coverage need changed this year?
Are you contributing enough to an HSA if one is available to you?
Does your workplace life insurance still match what your family would actually need?
None of these decisions need to be complicated. They just deserve a few extra minutes instead of a rushed click.
https://www.privateclientgroupam.com/client-services

10/05/2026

Yields have surged to multi-decade highs, raising questions about inflation, interest rates, and what's next for investors. Join CIO Gene Goldman on this week's episode of as he unpacks what's driving the move in bond yields, why higher rates aren't all bad news, and the key catalysts that could bring relief in the weeks ahead.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

10/05/2026

A Roth conversion is one of the few moves that has to happen inside the calendar year, even though deciding whether it makes sense can take a while.

The idea is simple. Move money from a pre-tax retirement account into a Roth account, pay tax on it now, and let future growth come out tax-free later. Whether that trade makes sense depends on your current tax bracket, your expected bracket in retirement, and how much you can pay in tax without disrupting cash flow.

A partial conversion, done over several years, is often more useful than trying to do it all at once.

Is this the year your income makes a conversion more attractive? Would spreading it out serve you better than doing it in one step?

For guidance specific to your tax situation, speak with a qualified tax professional before the calendar turns.

https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras

10/01/2026

This Quarterly Recap summarizes market performance, major events and news from Q3 2026. Read more here:

Markets carried their momentum into the third quarter, with the S&P 500 finishing near record highs. However, the Dow Jones Industrial Average ended 5.1% below…

09/29/2026

In Cetera's latest commentary, they explore how higher rates, geopolitical uncertainty, and shifting market expectations are shaping today’s investment landscape. Discover what’s driving the recent volatility and how investors can navigate an increasingly temperamental market environment.

In our latest commentary, we explore how higher rates, geopolitical uncertainty, and shifting market expectations are shaping today’s investment landscape.…