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John Bottega - Financial Advisor at LPL Financial

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John Bottega - Financial Advisor at LPL Financial

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04/22/2026

At its core, investing involves supporting an entity today with the goal of receiving a greater return in the future.

✅ While this concept may seem straightforward, it also involves striking a balance between risk and reward.

⚖️ When you work with a financial professional, you bring their training into the matter. We can help you understand where to direct your money and work within your goals, risk tolerance, and time horizon. 🎯💡

04/15/2026

Budgeting is a tool for keeping your spending in check while helping your expenses align with your income.

✅ Yet not everyone sticks to a household budget.

🤔 Why is this? Perhaps it’s a gap in financial education during our school years, which can contribute to less-than-ideal money habits later in life. 📚💡

04/11/2026

Pets are a tremendous part of the hearts and lives of so many. Many people will tell you that adopting a pet is one of the most joyful and satisfying things they have ever done. Whether you have pets in your life or are considering adopting one (perhaps you have several!), we want to wish you and your companions a happy National Pet Day!

04/08/2026

🌟 April is Financial Literacy Month 🌟💡

Let's recognize the value of understanding our finances and making informed financial decisions. 💪💡

Whether you're a financial guru or just beginning your money management journey, this month offers the ideal opportunity to boost your financial knowledge. 📚💡

From budgeting and saving to investing, there's a wealth of knowledge to explore! 💡✨

Together, we can create a community that excels at managing money! 🎉💡

04/02/2026

What a $5 Frappuccino can teach your teen about building wealth 👇

April is National Financial Literacy Month, and here's a number worth sharing at the dinner table.

If your teen opens a Roth IRA at 18 with $1,000 from a part-time job and adds $1,000 a year, that single account could be worth nearly $500,000 by age 65. Tax-free.

Think they can't save $1,000 a year? Skipping the daily Frappuccino more than covers it. ☕

But the best financial education isn't about the math. It's about real decisions with real consequences.

A few things that actually work:

✅ Hand them cash instead of a credit card for shopping. Let them keep what they don't spend.

✅ Give them a clothing budget for the year. If they blow it by October, that's the lesson.

✅ Have the college money talk before they fall in love with a school. As one counselor put it, "Have the conversation before they buy the hoodie."

✅ With the Roth IRA, you can show them that there are certain rules with certain accounts. For example, to qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a 5-year holding requirement and occur after age 59½. Also, tax-free and penalty-free withdrawals can also be taken under certain other circumstances, such as the owner's death. The original Roth IRA owner is not required to take minimum annual withdrawals.

What's one money lesson you wish someone had taught you earlier? 👇

Please consult with a tax and finance professional before making any decisions.

Sources:
-https://www.calculator.net/roth-ira-calculator.html?cstartingprinciple=1%2C000&cannualaddition=1%2C000&cmax=n&cinterestrate=8&ccurrentage=18&cretirementage=65&ctaxtrate=25&printit=0&x=Calculate -ira-result
-https://www.ngpf.org/blog/advocacy/how-many-states-require-students-to-take-a-personal-finance-course-before-graduating-from-high-school-is-it-6-or-is-it-21/

03/22/2026

April 15 is only 25 days away! Just a friendly reminder that Tax Day is just around the corner. While many may have their ducks in a row, tax-wise, today is a good time to connect with your tax professionals to confirm you've met all the deadlines or make any necessary arrangements!

03/03/2026

Spring isn't just for deep cleaning your home—it's also a chance to clear out the financial clutter that built up over the winter.

Now's a great time to check in on your spending, review automatic payments, organize important documents, and take one small step toward a bigger goal. It doesn't have to be all at once—just one thing at a time.

Need help figuring out where to start? Reach out—I'm happy to help.

🔗 Sources
CNBC, April 2025
Kiplinger, March 2024
American Express, March 2024

02/17/2026

The Treasury Department in January said more than a million people have signed up for Trump accounts. Are you eligible?

02/11/2026

This Valentine's Day, think of life insurance as a heartfelt gesture—a way to care for your family's future even when you're not there. Let's talk about what this could mean for your loved ones.

02/06/2026

Stocks climbed in January as solid economic data offset geopolitical tensions. The S&P 500 rose 1.37%, the Dow gained 1.73%, and Canada's TSX picked up 0.66%, setting multiple record highs early in the month. The Fed held rates steady as expected, with all eyes now on the March meeting. From \$27.5 billion spent in the U.S. to \$97.80 per person in Canada, Valentine's Day spending spans the globe. Check out this month's by-the-numbers.

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644 Holly Springs Road Suite 318
Holly Springs, NC
27540

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