Chimtuo Ofomata-Transamerica Financial Advisors, LLC

05/25/2026

Retirement gives you time.

A lot of it.

And while that sounds freeing, it can also feel overwhelming at first.

When you're working, much of your day is structured. In retirement, you decide what today looks like.

Some people find it helps to create a little rhythm:
▪️A weekly volunteer day
▪️Lunch with friends
▪️A standing class
▪️Mornings reserved for exercise or hobbies

Not to recreate work — just to have something to look forward to.

Freedom often feels better with a little shape.

05/23/2026

Summer break is here, but this may be the most important thing your college student does before fall: Learn AI skills.

AI is already changing how companies hire, promote, and pay across nearly every industry. While many college programs are still catching up, students who learn how to use AI tools now could have a major advantage.

Encourage your student to enjoy summer, work a job, and invest time into building AI skills. The students who return to campus this fall with AI knowledge may already be ahead of the game.

05/22/2026

One adjustment many retirees don't expect?

Spending can feel emotionally different.

For decades, income came in the form of a paycheck, and saving was the goal. In retirement, you're drawing from what you built.

Even if the numbers work, the shift can take time.

Separating essential expenses from flexible choices often helps. Once core needs are covered, the rest becomes intentional — not stressful.

Confidence tends to grow as you settle into your new routine.

05/22/2026

Retirement choices can be intimidating. This piece helps you pick the right strategy for your business and employees.

Retirement choices can feel intimidating. Choosing the right strategy can make all the difference.

05/19/2026

Some retirees describe the first few months as a honeymoon phase.

Travel. Projects. Rest. Catching up on everything that was postponed.

And then something shifts.

After the glow wears off, deeper questions start to surface:
▪️How do I want to spend my time?
▪️What feels meaningful now?

That transition is normal.

Retirement creates space. The first year is about deciding what deserves it.

05/19/2026

Do you have a will? Is it updated?

When do you need a will? The answer is easy: Right Now.

05/16/2026

There's a moment early in retirement that catches many people off guard.

You wake up… and there's nowhere you need to be.

At first, that quiet feels wonderful. After years of deadlines and responsibility, it's a relief.

And then the question comes:

Now what?

If that feels familiar, you're not alone. Retirement isn't just a schedule change. For many people, it's an identity shift.

The first year isn't about having everything figured out. It's about finding your rhythm.

05/15/2026

Small Business Month is a reminder that small businesses are the heartbeat of our communities and a major force behind the American economy.

There are 36.2 million small businesses in the United States, making up 99.9% of all U.S. businesses. They employ 62.3 million people, accounting for 45.9% of the workforce.¹

That means there is nothing “small” about the impact small businesses make every single day.

From creating jobs and supporting families to driving innovation and building stronger communities, small business owners continue to turn vision, sacrifice, and hard work into opportunity for others.

This month, we celebrate the entrepreneurs, dreamers, and risk takers who keep our economy moving forward.

¹ U.S. Small Business Administration Office of Advocacy, 2025

05/14/2026

Most people do not plan for this until it becomes a crisis.

Seniors turning 65 today have a 70 percent chance of needing some form of extended care as they age.¹

And the costs can be significant:
• The median annual cost of a nursing home exceeds $110,000 for a shared room²
• The median annual cost of assisted living is around $70,000²
• Full-time home health care can cost more than $75,000 annually²’³

Unfortunately, most private health plans do not cover long-term care expenses, which may leave many families paying out of pocket.³

That is why extended care planning matters.

Extended care insurance may help cover:
• In-home care
• Assisted living
• Rehabilitation services
• Hospice and end-of-life care

Many policies provide benefits when an individual can no longer perform certain activities of daily living such as bathing, dressing, eating, or getting in and out of beds and chairs.⁴

A retirement strategy is not just about building wealth. It is also about protecting it from healthcare and long-term care risks.

¹ LongTermCare.gov, 2026
² Genworth Cost of Care Survey, 2026
³ NIH.gov, 2026
⁴ DHCS.gov, 2026

05/11/2026

Here's a tip most students miss: when you file the FAFSA for state aid, you're automatically filing for federal aid too — so there's no reason to wait for the federal deadline.

State deadlines are often much earlier than the federal cutoff, sometimes arriving as early as February or March. Many states also set hard deadlines or use priority dates for first consideration.

Either way, students who file during the first few months tend to receive significantly more grant funding, on average, than those who file later.

The bottom line: aim for the earliest deadline on your list, whether that's your state's or your school's. That single submission covers you for all aid opportunities.

👉🏾 Look up your state's specific FAFSA deadline at studentaid.gov and file as early as you can. Future-you will be glad you did.

05/11/2026