TROY FRY - PFA

10/08/2026

Stocks finished the third quarter mixed. The S&P 500 gained 2.03%, and the Nasdaq Composite rose 2.47%, while the Dow Jones Industrial Average slipped 2.70%. Halloween is next on the calendar, with U.S. consumers expected to spend \$13.5 billion USD this year and 6.26 million Canadian children in their trick-or-treating years.

Quarterly Market Insights | October 2026 U.S. and Canadian Markets Stocks were mixed in the third quarter as economic, geopolitical, and corporate earnings news pushed the broad market higher while weighing on the Dow Industrials. The Standard & Poor’s 500 Index gained 2.03 percent, while the Nasd...

10/06/2026

10/06/2026

According to a 2025 report from Capitalize, an estimated 31.9 million retirement accounts have been left behind by job changes over the years.

Combined, they hold about $2.1 trillion. The average balance is nearly $67,000. 🗂️

One of them could have your name on it.

The federal government built a tool for this. The Retirement Savings Lost and Found Database, created under a 2022 law and run by the U.S. Department of Labor, searches for old workplace plans tied to your Social Security number.

Here's how it works:

1️⃣ Verify your identity through Login.gov

2️⃣ Search for old workplace plans tied to you

3️⃣ Check the results and contact the plan

Old accounts get buried under new jobs, new addresses, and providers that merge or rename.

If you've changed jobs more than once, run the search at lostandfound.dol.gov and see what turns up. 💬

10/05/2026

🌴 More Americans are deciding that enjoying life now matters just as much as making financial progress for later.

A recent SoFi survey found that 72% of Americans would be willing to make slower progress toward their financial goals so they can spend more time with family, travel more, and prioritize meaningful experiences.

That doesn’t necessarily mean abandoning long-term goals. In fact, 59% of respondents said enjoying life is how they define financial progress, compared with 27% who pointed to owning a home.

The challenge is finding a balance between what matters now and what matters later. ✈️ That can mean making room for a vacation, concert, or family event while still keeping an eye on retirement savings and debt.

But charge that trip to a credit card and carry a balance, and interest can turn a two-week memory into a much longer bill.

What does financial progress look like to you: reaching the next milestone, enjoying more of life now, or some mix of both?


Source:

SoFi found 72% of Americans are willing to make slower progress on financial goals to prioritize family, travel and meaningful experiences.

09/27/2026

🤸 A volatile market can unsettle even the most seasoned investor. However, a flexible investment strategy can allow you to take advantage of potential opportunities, provided they are suited to your risk tolerance, time horizon, and personal goals. Connecting with your financial professional can help, regardless of what the markets are doing this week or next.

Our eBook includes more practical information on market fluctuations. Get your free copy: [Insert URL]

09/25/2026

🌊 In a nutshell, markets go up and down. That’s simply their nature. So, what to do when they’re down? Consider following Warren Buffett’s guidance, "I would tell [investors], don’t watch the market closely."

Our free eBook, "Don’t Panic,” explores how to react to market fluctuations. Get your copy here: [Insert URL]

09/23/2026

🗓️ Short-term market fluctuations can stir all sorts of emotions. Whenever possible, step back and take the long view. Are you investing for 10, 20, or 30 years? Try to block out the short-term noise and focus on your overall strategy.

Discover more about market fluctuations with this guide. Get your free eBook now: [Insert URL]

09/21/2026

🌪️ Volatility can play rough with your emotions. The temptation to jump ship during a downturn is strong, but even Wall Street professionals struggle to time the market. Markets can maintain a steady trajectory for a period of time, but more often than not, it’s like a dance: two steps forward, one step back, or one step forward and two back. When things are bumpy, resist the temptation to react emotionally and remember that turbulence is part of the ride.

Learn more about market fluctuations in our free eBook, "Don’t Panic." Download your copy here: [Insert URL]

09/17/2026

Some financial decisions get a second chance. A handful don't.

▪️ When you actually retire. In EBRI's 2026 Retirement Confidence Survey, 46 percent of retirees left the workforce earlier than they expected.

▪️ Stepping into a parent's finances. A 2026 Care.com report found sandwich-generation caregiving duties typically begin around age 34.

▪️ Receiving an inheritance. Ohio State research found nearly one in five people who inherited $100,000 or more had spent or lost the entire amount within two years.

▪️ Selling a business. For a typical owner, roughly 80 percent of their net worth is tied up in the business itself, per the Exit Planning Institute.

▪️ Writing (or updating) a will. Only 24 percent of Americans currently have a will, down from 33 percent in 2022, according to Caring.com.

None of these moments announce themselves on schedule. The families who handle them well are usually the ones who started talking years before circumstances forced their hand.

09/16/2026

When was the last time you reviewed your ?