Samuel Fitch - Licensed Financial Advisor

08/24/2026

The S&P 500 has had a really strong run. 📈

But here’s something I think investors need to pay attention to.

A lot of that growth has been driven by a relatively small group of companies, especially the Magnificent 7.

That doesn’t mean the S&P 500 is a bad investment. Not at all.

The concern is when you start getting too heavily weighted in the same companies without realizing it.

You might own an S&P 500 fund, a large-cap growth fund, maybe a tech fund, and then own a few of those same big-name stocks individually.

It can look diversified on paper.

But when you actually look at what you own, there may be a lot more overlap than you think. 🤔

There’s nothing wrong with owning great companies. There’s nothing wrong with owning the S&P 500 either.

The question is simply this:

**How much of your portfolio is tied to the same handful of companies?**

Diversification isn’t about trying to avoid the winners.

It’s about making sure you’re not accidentally putting too many eggs in one basket.

Sometimes too much of a good thing is still too much. 📊

08/21/2026

“I already have life insurance through work.” 👍

That’s a good start.

But I’d still ask a couple of questions.

What happens to that coverage if you leave your job?

What happens if the company changes the benefit?

And most importantly, is the amount actually enough for your family?

Work coverage is a nice benefit, but I wouldn’t want someone’s entire protection plan depending on an employer.

Life changes. Jobs change. Benefits change.

Your family’s protection should be built around their needs, not just whatever happens to be included at work. 🛡️

08/19/2026

Going back to school in your mid-40s is no joke. Even if its online. 📚

I recently finished RICP 353 and I’m now into RICP 354 as I keep working toward my Retirement Income Certified Professional designation.

The hardest part honestly isn’t the material.

It’s finding the time and energy to do it. ⏰

Work doesn’t stop. Family life doesn’t stop. The normal responsibilities of life don’t stop. You just have to carve out the time and get it done.

But I will say this.

Learning at this stage of life feels different.

I can connect what I’m studying to real conversations I’m having with clients and to situations I’ve already seen.

That makes the work worth it. 💡

I’m tired sometimes, but I’m glad I’m doing it. 💪

07/04/2026

🇺🇸🇺🇸🇺🇸

05/30/2026

🧡🎗️ World MS Day is a reminder that behind every diagnosis is a real person, a real family, and a real story.

MS can affect people in ways that are visible and invisible. Some days it shows up clearly. Other days, it is carried quietly. That is why awareness matters. Not just awareness of the disease itself, but awareness of the people living with it, the families walking beside them, and the researchers, doctors, advocates, and organizations working toward better answers.

Today is a day to recognize the strength of the MS community, support those who are navigating life with MS, and continue pushing for progress, understanding, and hope.

To everyone impacted by MS in any way: you are seen, you are valued, and you are not alone. 🧡🎗️

05/27/2026

I genuinely believe AI is going to dramatically improve the future of MS diagnostics.

Recent research is showing how AI-assisted MRI analysis may improve lesion detection and monitoring in patients living with Multiple Sclerosis. Earlier detection and more accurate tracking could potentially help neurologists make treatment decisions faster and more effectively.

That’s exciting.

Technology is moving incredibly fast, but this is one of those areas where innovation could directly improve quality of life for real people.

The key, in my opinion, is using AI responsibly. Not replacing physicians, but giving great physicians even better tools.

That combination of human expertise and advancing technology could become a game changer for diseases like MS.

If you are working in the medical field and have thoughts on AI in MS treatment, diagnosis or care, drop a comment on your thoughts below.

Source:
arXiv Research Publication on AI MRI Lesion Detection

Ultra-high field 7-tesla (7T) MRI improves visualization of multiple sclerosis (MS) white matter lesions (WML) but differs sufficiently in contrast and artifacts from 1.5-3T imaging - suggesting that widely used automated segmentation tools may not translate directly. We analyzed 7T FLAIR scans and....

05/26/2026

A recent study involving Fenebrutinib showed promising results in slowing disability progression in Primary Progressive MS, something that has historically been incredibly difficult to treat.

What really caught my attention personally is that the medication Aubagio was used as part of the comparison trials. Aubagio was actually the very first MS treatment I was on after my diagnosis, and I remained on it for about two years.

When you live with MS, you learn quickly that treatment is never just “take a pill and move on.” Although thats what I wanted, It becomes part of your daily thought process, your future planning, your family conversations, and your hope.

As somebody who lives with MS every day, I’m thankful for the neurologists, researchers, nurses, and medical professionals who continue pushing this fight forward.

Source:
Roche Pharmaceuticals – Fenebrutinib Phase III Trial Results

Late-breaking Phase III FENtrepid results presented at ACTRIMS show investigational fenebrutinib met its primary endpoint of non-inferiority compared to the current standard of care, OCREVUS, in...

05/22/2026

A lot of people think the biggest risk to retirement is the stock market.

Honestly, for many families right now, it’s inflation.

Not the numbers you see on TV, but the real-life stuff people deal with every month — groceries costing more, higher insurance premiums, rising healthcare expenses, prescriptions, utilities… it all adds up fast.

That’s why having a flexible plan matters.

For some people, that can mean looking at ways to create more tax diversification or additional income options later in retirement, sometimes including permanent life insurance as part of the overall strategy. Not to replace investing, but to avoid having all your eggs in one basket.

Healthcare costs especially continue to be a major concern for retirees, and inflation still isn’t going away overnight.

Retirement planning today is less about chasing some perfect number and more about creating options and flexibility for the future.

If you’ve been wondering whether your current retirement strategy is built to handle rising costs and long-term uncertainty, let’s have a conversation. Sometimes a simple review can help uncover opportunities to create more flexibility and confidence moving forward.

Sources:

MarketWatch

Reuters
https://www.reuters.com/business/investors-gird-high-us-treasury-yields-new-fed-chair-warsh-battles-inflation-2026-05-14/

The increase in Medicare Part B premiums has sparked concerns about out-of-pocket healthcare costs.

05/20/2026

If you’re a small business owner, having adequate protections in place can not only help your business flourish but also help protect you and your family from financial risk.

Small business plans often miss key insurance protections. Learn what coverage can help protect your business and family.