John G. Ullman & Associates, Inc.

09/09/2026

💡 As retirement gets closer, should your investment strategy change?

In this episode of How I Would Advise, featuring Senior Associate Advisor Scott Townsend, CFP®, we look at Mike and Karen, who are just a few years away from retirement and wondering whether it's time to reduce the risk in their portfolio. 📊

Their question: How should our investment strategy change as retirement gets closer?

🎯 Retirement can change how you think about risk, income, and your investment strategy. Watch to learn more about the factors to consider as you approach this important transition.

▶️ What retirement planning question would you like us to cover next?

09/09/2026

As we enter the final quarter of 2026, what should investors be watching?

Join John G. Ullman & Associates for our Q3 2026 Investment & Market Update Webinar on Wednesday, October 21 at 11:00 a.m. ET, presented by Dan Obrist, CFA, Equity Research Analyst.

Dan will cover:

• Q3 market performance and key themes
• Economic, inflation and interest rate developments
• Market and sector trends
• What could shape markets through year-end and into 2027
• Live Q&A

Navigating The Final Quarter: Q-3 Market Insights & Outlook is a live virtual webinar designed to help investors put recent market developments into perspective and understand what may matter as 2026 comes to a close.

Reserve your spot: https://jgua.com/upcoming-event/q3-2026-investment-market-update-webinar/

Registrants will also receive a recording of the webinar and a digital copy of the JGUA Q3 2026 Investment & Market Update White Paper.

09/08/2026

Understanding Retirement Income: Tools, Strategies & Key Insights

Join John G. Ullman & Associates for the final session of our Retirement Roadmap Financial Education Series, held in conjunction with the Clemens Center.

This in-person workshop will explore strategies and considerations for creating sustainable retirement income, including Social Security, investments, taxes, spending, market volatility and more.

📅 Wednesday, October 7 | 1:00 p.m.
📍 Clemens Center (207 Clemens Center Pkwy, Elmira, NY 14901)

Led by Shawn Twigg, CFP®, and Spencer Keller, Associate Advisor.

Each registrant will receive a presentation booklet with additional resources.

🔗 Register here: https://clemenscenter.org/event/retirement-roadmap-series-understanding-retirement-income/

09/08/2026

Investment advisor or financial advisor — is there a difference?

In the latest edition of the JGUA Blog, Advisor & Charlotte Branch Manager Jakob Brost, CFP®, RICP®, MS, breaks down the differences between investment management and comprehensive financial planning — including services, compensation, credentials and more.

Understanding the difference can help you ask the right questions when choosing a financial professional.

Read Jakob’s latest article: https://jgua.com/investment-advisor-vs-financial-advisor/

Understand the difference between an investment advisor and a financial advisor, including their services, compensation, credentials, and approach to financial planning.

09/08/2026

How many of these retirement planning boxes have you checked?

Retirement planning is about more than simply saving enough. A strong retirement strategy brings together multiple pieces—from creating an income plan and managing investments to reducing taxes, protecting your assets, and preparing your estate.

Our retirement planning checklist highlights several key areas to consider:

• Income planning
• Investment strategy
• Tax planning
• Estate planning
• Protection and risk management

You may have some of these areas covered, while others could benefit from a closer look. The important thing is making sure all the pieces work together as part of a comprehensive retirement plan.

Ready to review your retirement strategy? - https://jgua.com/schedule-your-consultation

Connect with a member of the John G. Ullman & Associates team to discuss your retirement plan and identify opportunities to strengthen your financial future.

09/04/2026

Ending another week of conversations, insights, and opportunities to help you plan for what’s ahead. 📈

Blog
Retirement Planning For Couples: Building a Plan You Can Both Live With – Written by Spencer Keller - https://jgua.com/retirement-planning-for-couples/

Video & Media Appearances
From Saving to Spending: Investing Strategies For Retirement Income – Workshop Recording – Hosted by Jason Nickerson, CFP®, EA and Dan Obrist, CFA- https://www.youtube.com/watch?v=gJYsD-C0I4I

Meeting The Market: The Fed, A.I. Reality Check & What’s Next I September 2026 – Hosted by Jason Nickerson, CFP®, EA - https://www.youtube.com/watch?v=I6z1Mhps3bM&pp=0gcJCRsMAYcqIYzv

Financial Health on WENY-TV News: The Art of Non-Cash Gifting, Appreciated Assets, and Family Wealth Summits – Hosted by Jason Nickerson, CFP®, EA- https://www.weny.com/financial-health-the-art-of-non-cash-gifting-appreciated-assets-and-family-wealth-summits/video_17914c44-b697-57d3-ae93-a8a9600ebaff.html

Morning Money Tips on WETM 18 News: Dealing With Financial Blunders When They Inevitably Occur – Hosted by Spencer Keller - https://www.mytwintiers.com/morning-money-tips/dealing-with-financial-blunders-when-they-inevitably-occur/

Podcast
The ‘Well… It Depends!’ Podcast: Can You Afford to Self-Insure Long-Term Care? – Hosted by Andrew Baron, CFP®, EA and Derek Doyle - https://www.youtube.com/watch?v=FG1jnB-kHoU&t=463s

Events & Webinars
Your Retirement Legacy: Protecting What You’ve Built and Planning What Comes Next – Hosted by Darren Wilcox and Sarah E. J. Collier, JD, CFP® on Thursday, September 24th at 6 p.m. at JGUA Headquarters (343 Daniel Zenker Drive, Horseheads, NY 14845) - https://jgua.com/upcoming-event/retirement-estate-planning-seminar/

Understanding Retirement Income: Tools, Strategies & Key Insights – The Retirement Roadmap Financial Education Series at the Clemens Center – Hosted by Shawn Twigg, CFP® and Spencer Keller on Wednesday, October 7th at 1 p.m. at the Clemens Center (207 Clemens Center Parkway, Elmira, NY 14901) – https://clemenscenter.org/event/retirement-roadmap-series-understanding-retirement-income/

Navigating Healthcare in Retirement: Understanding Medicare & Your Healthcare Coverage Options – Session Two – Hosted by Lynda Lander, CFP® on Thursday, October 8th at 6 p.m. at JGUA Headquarters (343 Daniel Zenker Drive, Horseheads, NY 14845) - https://jgua.com/upcoming-event/medicare-retirement-healthcare-planning-series/

JGUA Q-3 2026 Investment & Market Update Webinar – Hosted by Dan Obrist, CFA on Wednesday, October 21st at 11 a.m. - https://jgua.com/upcoming-event/q3-2026-investment-market-update-webinar/

09/03/2026

Can you afford to self-insure long-term care? 🤔

For retirees with significant assets, long-term care planning can present a very different question than it does for the average household.

🏥 Should you purchase long-term care insurance?
🛡️ Consider a hybrid policy?
💰 Or simply plan to cover potential costs with your own assets?

In the latest episode of “Well… It Depends!”, Andrew Baron, CFP®, EA, and Derek Doyle explore the financial considerations behind those decisions—including the rising cost of care, Medicare and Medicaid, retirement spending, family history, longevity, and how a potential need for care could affect both you and your spouse.

💡 One key takeaway: The decision to self-insure isn't necessarily about how much you have. It's about how much you spend, what you want your retirement to look like, and how you want to protect your wealth.

🎧 Watch the latest episode to learn more - https://www.youtube.com/watch?v=FG1jnB-kHoU

Long-term care is one of the biggest and most difficult-to-predict ...

09/03/2026

Your retirement legacy is about more than what you accumulate. It’s about what you protect—and what you leave behind.

Join John G. Ullman & Associates for Your Retirement Legacy: Protecting What You’ve Built and Planning What Comes Next, an in-person educational workshop for retirees and pre-retirees.

Estate planning is an important part of a comprehensive retirement strategy.

From beneficiary designations and legal documents to tax planning, healthcare costs, and changing family circumstances, the decisions you make today can have a lasting impact on you and your loved ones.

During this session, Darren Wilcox, CFP®, JD, and Sarah E. J. Collier, JD, CFP®, will discuss:

• Why estate planning is essential throughout retirement

• Common estate planning mistakes and misconceptions

• Wills, trusts, powers of attorney, healthcare proxies, and living wills

• Why beneficiary designations can be just as important as your will

• Planning considerations for blended families and second marriages

• Tax considerations for retirement accounts, inherited assets, charitable giving, and wealth transfer

• Real-life scenarios that demonstrate the importance of regularly reviewing your plan

Event Details

Thursday, September 24, 2026 at 6:00 p.m.
JGUA Headquarters - 343 Daniel Zenker Drive, Horseheads, NY 14845

Whether you’re approaching retirement or already enjoying it, it’s never too early to think about how you can protect what you’ve built and plan for what comes next.

Register today: https://jgua.com/upcoming-event/retirement-estate-planning-seminar/

09/02/2026

Unexpected expenses are a part of life. From emergency medical costs to an unexpected car repair, financial surprises can put a strain on even the best-laid plans.

In this episode of Morning Money Tips on WETM 18 News, Associate Advisor, Spencer Keller, sat down with 18 News’ Ben Deitrick to discuss how to prepare for potential financial setbacks and the importance of having a plan in place before the unexpected happens.

At John G. Ullman & Associates, we believe financial planning isn’t just about preparing for your goals—it’s also about preparing for the unexpected along the way.

▶️ Watch the full segment here:

(WETM) – No one wants financial blunders to happen, but with emergency medical issues or car repairs, it’s sometimes unavoidable. 18 News’ Ben Deitrick sat down and spoke with Spencer Keller,…

09/02/2026

What should investors be watching as we head into the final months of 2026?

In the September edition of Meeting The Market, Jason Nickerson, CFP®, EA, President & COO of John G. Ullman & Associates, takes a closer look at the forces shaping the markets — from Federal Reserve policy and inflation to AI spending and broadening market leadership.

In this month’s episode, Jason explores:

📈 What cooling inflation and a moderating economy could mean for the Fed and interest rates

🤖 Why investors are taking a closer look at the real returns behind the massive AI infrastructure buildout

📊 Why market strength expanding beyond mega-cap technology could be an encouraging sign

💼 Why corporate balance sheets, cash flow, and pricing power matter in today’s environment

👀 The key economic data, earnings guidance, and market catalysts to watch this fall

And as always, Jason closes with what these developments could mean for long-term investors — and why fundamentals, diversification, and discipline remain at the center of a sound investment strategy.

Watch the full September edition of Meeting The Market: https://youtu.be/I6z1Mhps3bM

As we enter the final months of the third quarter, investors are na...