Sarah Santeufemio, Financial Planner with Statera Retirement

11/03/2026

Sometimes, the best moments are the quiet ones and the freedom to simply be present. 🍂

Retirement planning isn’t just about preparing for the future. It’s about creating a future where you can slow down and enjoy the life you’ve worked so hard to build. Because the goal isn’t just to retire someday. It’s to make the most of the moments along the way.

11/02/2026

US equity markets finished the week lower, as a sharp selloff in mega-cap technology and communication services stocks overshadowed gains across most other sectors. The S&P 500 fell 0.6% for the week and the Dow Jones Industrial Average declined 0.8%. Alphabet posted its worst single-day decline on record, renewing questions about the durability of AI-related spending. Treasury yields declined across the curve, as the Federal Reserve held rates unchanged at its October meeting. WTI crude oil rose approximately 0.8% amid ongoing Middle East tensions and a drawdown in US crude inventories, while gold fell 2.7% as a stronger US dollar and selling to cover equity losses weighed on the metal. On the economic front, the advance estimate of third-quarter GDP showed the economy grew at a 3.4% annualized rate, ahead of expectations, while the Employment Cost Index rose 3.4% year-over-year, suggesting wage pressures are not meaningfully adding to inflation.

10/30/2026

The scariest retirement surprises aren't always financial. 🖤An outdated beneficiary could leave your money going somewhere you never intended. A quick beneficiary review can help prevent estate-planning nightmares tomorrow. Let’s be your they reflect your wishes today, not Wednesday’s💀



🎬 Addam’s Family (1991)|Paramount Pictures

10/29/2026

Open enrollment is an opportunity to review more than just health coverage. From savings accounts to retirement contributions, your benefits can have a bigger impact on your financial future than you might think. Before you click “submit,” let’s make sure you’re getting the most from what’s available to you.

10/28/2026

Let’s talk about the F-word. The F-word you want to know before choosing who helps with your retirement: FIDUCIARY. Do you know what it means?

10/27/2026

It’s a privilege to help clients navigate retirement with greater confidence, clarity, and purpose. Thank you for your trust.

10/26/2026

US equity markets finished the week mixed, as rising oil prices and renewed concerns over the sustainability of AI capital spending drove a rotation out of technology and communication services stocks and into defensive sectors and government bonds. The S&P 500 fell 0.5% for the week, pressured by a sharp selloff in communication services shares after Meta Platforms announced plans to significantly increase capital spending, while the Dow Jones Industrial Average posted a modest gain as investors sought shelter in more defensive names. Treasury yields declined across the curve, as flight-to-safety demand outweighed lingering inflation concerns following the prior week’s hotter-than-expected September CPI report. WTI crude oil rose approximately 4.3% on escalating Middle East tensions, while gold fell 4.1% amid a broader cross-market selloff ahead of the October Fed meeting. On the economic front, the NAHB/Wells Fargo Housing Market Index fell to its lowest level since June 2012, as mortgage rates above 7%, labor shortages, and elevated supply costs continued to weigh on builder sentiment.

10/23/2026

Everyone has their version of Retirement. Your Retirement SHOULD be about doing what you want to do.

For my daughter, that means buying a boat. 🚤 😏 Whatever your “boat” is, let’s make a plan for it.

10/23/2026

Three things for an employee to look at if your ESOP company is sold:

1️⃣ What does this mean for you financially? It’s important to be clear on the details – price per share, deal structure, and your voting rights are all important considerations.

2️⃣ How and when you’ll get paid – this varies, so it is important to be clear on the details about vesting, payout timing, and form of payment to expect.

3️⃣ Taxes and distribution options – for many employees, this may be the largest sum of money ever received, so it’s important to understand how it is taxed and how it fits in your overall financial plan.

Don’t go it alone – I can help you understand these considerations and more. Let’s connect.

10/22/2026

The best financial lessons often start at home. As Halloween approaches, consider using candy budgets, costume spending, or trick-or-treat rewards as opportunities to teach children healthy money habits.

This Halloween, candy as currency can become a lesson on budgeting, market value, even taxes. This article covers suggested lessons parents can teach kids.