Thomas Novosad, CFP

01/02/2026

Even if you’ve hit your contribution limits, there are strategies to help you keep saving in a tax-efficient way. Let's talk about how.

12/30/2025

Happy New Year! We wish you a happy and prosperous year ahead.

12/27/2025

Market downturns and corrections can be nerve-wracking—but they are normal parts of the market cycle.

When you focus on short-term market movements, it’s tempting to let emotions drive your investment decisions. But don’t let short-term upsets derail your long-term growth potential. By staying disciplined and remaining invested despite these fluctuations, your portfolio may be in a better position to achieve positive returns over time.

12/24/2025

Merry Christmas! Whether you’re unwrapping gifts, sharing a meal, or simply enjoying the company of loved ones, may your day be merry, bright, and full of gratitude.

12/22/2025

Let’s connect if you’d like to discuss how learnings from 2025 may help inform your investment choices for 2026.

Looking back on this year’s market movements — and ahead to 2026.

12/19/2025

As advisors, we seek to help clients maximize their Social Security benefits by highlighting information needed to do so. Making informed decisions about timing can have a significant impact on retirement income.

How can I help support your needs?

12/17/2025

AI and Big Tech stocks have fueled major U.S. stock market growth in 2025, but investor skepticism is rising. Ameriprise Financial Chief Market Strategist Anthony Saglimbene breaks down three AI investing themes to watch in 2026.

12/15/2025

Having too much cash sitting on the sidelines in a money market fund might seem like a safe move. But history shows that there’s an opportunity cost to playing it too safe. Simply put, cash has less growth potential and most likely won’t help you reach your long-term goals. Even with periodic market downturns, history shows that markets eventually rebound, recoup their losses, and ultimately move higher — outperforming cash by a wide margin.

09/21/2025

As we have been talking about with our clients, the increasing burden of the national debt could become a significant headwind for economic growth moving forward.

Over the last 15 years, U.S. government debt has grown at an unprecedented peacetime pace. Let's talk about the potential impacts and strategies to mitigate the effects on your portfolio.

Get the outlook on U.S. government deficit spending.

09/19/2025

Medicare open enrollment begins on October 15th this year.

Medicare plans change – and so do your needs. Even if your coverage seems to be working, a quick annual review could save you money and headaches. Let us know how we can help!

Why should you revisit your Medicare benefits during open enrollment?

09/17/2025

We find there is often confusion around long-term care needs and planning options.

Long-term care is something many people don’t think about until they need it, but planning ahead can make a big difference. Learn more about long-term care insurance and if it’s right for you.

Find out how long-term care insurance works and if it’s the right solution for you.

08/16/2025

The most rewarding part of an accomplishment is looking back at all the hard work it took to get there. What goals are driving you today?