The Fitzgerald Group

The Fitzgerald Group Joseph Fitzgerald, CFP® RICP®

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). This material is intended for general use.

OSJ: 101 CRAWFORDS CORNER ROAD, SUITE 2405, HOLMDEL NJ, 07733, 908-709-0020. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. THE FITZGERALD GROUP and NORTHEAST FINANCIAL GROUP are not an affiliates or subsidiaries of

PAS or Guardian. CA Insurance License Number - 0H01236, AR Insurance License Number - 14100722. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.
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Here are 5 facts about Social Security you absolutely need to know.
06/01/2026

Here are 5 facts about Social Security you absolutely need to know.

Here are five facts about Social Security that are important to keep in mind.

🗓️ June 1st means that summer is almost here, kids will be out of school soon, and many of you are looking to enjoy time...
06/01/2026

🗓️ June 1st means that summer is almost here, kids will be out of school soon, and many of you are looking to enjoy time outdoors with family and friends. ☀️🏝️

Just a reminder that your finances and long-term goals shouldn't be on vacation, too - so feel free to reach out if you have any questions or proactively schedule our next financial review.

👉 [email protected]" rel="ugc" target="_blank">https://outlook.office365.com/book/[email protected]

05/29/2026

Time is one of the few things you can’t get back.

Financial planning isn’t just about numbers.
It’s about aligning your resources with what may matter most over time.

For some, that might mean more flexibility.
For others, more clarity around future decisions.

There’s no one-size-fits-all path,
but thoughtful planning can create space for more intentional choices.

Financial stress isn’t reserved for minimum wage workers. Almost 7 in 10 people earning at least \$100,000 per year say ...
05/29/2026

Financial stress isn’t reserved for minimum wage workers. Almost 7 in 10 people earning at least \$100,000 per year say financial stress is so bad, it’s affecting their work. Try these hacks to help ease money worries.

Financial stress is not limited to those living below the poverty line. It's a real issue for many.

True financial independence rarely comes from one strategy alone.A strong financial foundation is built through balance,...
05/29/2026

True financial independence rarely comes from one strategy alone.

A strong financial foundation is built through balance, preparation, and long-term discipline — with savings, protection, and investments each playing an important role.

Inflation accelerated in April, with the Consumer Price Index (CPI) rising 0.6% for the month and 3.8% over the past 12 ...
05/28/2026

Inflation accelerated in April, with the Consumer Price Index (CPI) rising 0.6% for the month and 3.8% over the past 12 months, according to the U.S. Bureau of Labor Statistics. Core inflation, which excludes food and energy, rose 0.4% in April and 2.8% over the past year.

Much of the increase was driven by higher energy costs, as the energy index climbed 3.8% in April alone and is now up 17.9% year-over-year. Shelter costs also remained elevated, rising 0.6% for the month, while food prices increased 0.5%, reflecting ongoing pressure on household budgets.

The recent surge in inflation has been heavily influenced by rising oil prices tied to the ongoing conflict involving Iran. Brent crude oil prices jumped from roughly $70 per barrel before the conflict to as high as $118 in April, driving up gasoline, airfare, and transportation-related costs across the economy. Gasoline prices have risen about 28.4% over the past year, while airline fares increased 20.7%, illustrating how higher energy prices continue to ripple through many areas of consumer spending.

Economists warn that inflationary pressures may persist if global energy markets remain unstable. Continued disruptions in the Strait of Hormuz - a key shipping route for global oil supplies - have kept fuel prices elevated, creating additional strain for consumers already dealing with higher everyday expenses.

Sources:
https://www.bls.gov/news.release/cpi.nr0.htm
https://www.cnbc.com/2026/05/12/inflation-breakdown-for-

05/27/2026

It’s easy to focus on the numbers.

But often, the real questions are less visible:

• How are different accounts working together?
• When should certain decisions be revisited?
• What details may be worth a closer look over time?

Retirement planning isn’t always about a single figure;
it’s about understanding the structure behind it.

A more complete perspective can make those questions feel more manageable.

Fallen trees damage property and strain neighborly relations.  Who pays when your tree falls?
05/27/2026

Fallen trees damage property and strain neighborly relations. Who pays when your tree falls?

Your liability for damages that occur when a tree on your property falls on your neighbor’s property is not clear cut.

A mortgage is most likely one of your biggest commitments in life.For that reason, I help families integrate housing int...
05/26/2026

A mortgage is most likely one of your biggest commitments in life.

For that reason, I help families integrate housing into their broader financial strategy - so your home may also be part of a larger, long-term plan - not just a cause for stress the first of every month.

📅 Let’s talk about how your mortgage and real estate fits into your portfolio.
[email protected]" rel="ugc" target="_blank">https://outlook.office365.com/book/[email protected]

𝗝𝗼𝘀𝗲𝗽𝗵 𝗙𝗶𝘁𝘇𝗴𝗲𝗿𝗮𝗹𝗱, 𝗖𝗙𝗣® 𝗥𝗜𝗖𝗣®
📲 (973) 557-7551
📧 [email protected]
💻 https://www.fitzgeraldwealthgroup.com

Address

101 Crawfords Corner Road Suite, 2405
Holmdel, NJ
07733

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