Centennial Financial Group LLC

10/16/2026

Fidelity's 2025 wealth transfer study found that roughly 67 percent of parents age 55 and older have never told their adult children what they will inherit, or whether they will inherit anything at all.

About 33 percent would prefer the kids are kept in the dark about the amount.

Their reasons should feel familiar:
✔️ Worry that a specific number will dampen a child's drive
✔️ Discomfort talking about money at all

The same study found:

Most adult children say they are ready to handle whatever they inherit and would rather shape things while their parents are still around to explain the "why" behind decisions.

Families who have inheritance strategies share some similar habits:

💬 Kids know who the financial professionals are and how to reach them
💬 Everyone knows where the estate documents are
💬 They try to manage any surprises well ahead of time

So, do you tell your children or not?

There's no single right answer here.

Sharing exact numbers isn't necessary, but most families find that a broad discussion can help with priorities and expectations.

10/15/2026

How to think about getting a Mortgage

10/14/2026

A mother in California picked up the phone and heard her daughter's voice, panicked, saying she'd been kidnapped and needed money immediately.

What she'd heard wasn't her daughter. It was an AI-generated clone of her voice.

In a 2025 study, scientists found that when people heard a cloned voice, they correctly identified the voice as AI-generated only about 60 percent of the time.

The FBI attributed more than $890 million in 2025 losses to AI-enabled fraud, and voice cloning is one of the main drivers behind that number.

It is not only older adults being targeted. Younger family members get these calls too, often framed as a sibling or friend in trouble. Older adults just tend to lose the most per incident.

Two ways to protect your family.

🔐 Agree on a private code word or question with the people a scammer is most likely to impersonate (kids, parents, spouse)

📞 If a call like this comes in and you have not set up a code word yet, hang up, then call the real person back

When in doubt, slow down and verify.

10/13/2026

In this video, we discuss the recent increase in layoffs, specifically focusing on how AI is impacting writers and the future of work. We then transition into essential personal finance concepts, demonstrating how to create a monthly budget to ensure effective money management. 💡

Losing your job is like getting benched mid-game. You didn't see it coming, the coach isn't giving you answers, and now you're sitting there wondering what's next. The difference between people who recover fast and people who spiral? A plan.
And that's exactly what we're giving you today.
Because here's the truth — a layoff doesn't have to be a disaster. For a lot of people, it ends up being the best financial wake-up call they never asked for. But only if you know what moves to make and WHEN to make them.

We'll cover:
✅ The first 48 hours — what to do immediately so you don't leave money on the table
✅ Unemployment benefits — what you're owed and how to actually get it
✅ COBRA, healthcare, and why ignoring this is a huge mistake
✅ How to protect your finances while you're between paychecks
✅ The job search strategy that actually works in today's market
✅ Why this might be the best opportunity you've had in years

This isn't a pep talk. This is a playbook.

Because getting laid off is temporary. Bad decisions after getting laid off? Those stick around.

In this video, we discuss the recent increase in layoffs, specifica...

10/12/2026

Talking Taxes if you’re a Gig Worker

10/10/2026

⚠️ Money is one of the most consistently cited sources of stress in America.

For caregivers, that weight often increases! 😮

Having a clearer picture of where things stand can help ease some of the uncertainty that makes financial stress feel heaviest in the first place.

There's no clean solution to money stress.

Most of it is caused by the unknown. The uncertainty.

World Mental Health Day recognizes just how deeply finances can impact our well-being (and vice versa).

If financial stress has been sitting in the background of your life this year, a conversation with a professional can go a long way, be it a mental health professional or a financial professional. Pursuing comfort, understanding, and compassion is a team sport.

10/09/2026

Breast Cancer Awareness Month is an opportunity to prioritize health.

Early detection through regular screenings is one of the most effective tools we have in the fight against breast cancer.

Here are a few small things we can do this October:

✅ Schedule your annual screening if you haven't yet

✅ Educate yourself and others on risk factors and preventative lifestyle habits

✅ Support research and organizations dedicated to advancing breast cancer prevention and care

Taking charge of your health today makes all the difference for tomorrow. 🎗️

10/09/2026

Stocks finished the third quarter mixed. The S&P 500 gained 2.03%, and the Nasdaq Composite rose 2.47%, while the Dow Jones Industrial Average slipped 2.70%. Halloween is next on the calendar, with U.S. consumers expected to spend \$13.5 billion USD this year and 6.26 million Canadian children in their trick-or-treating years.

Stocks were mixed in the third quarter as economic, geopolitical, and corporate earnings news pushed the broad market higher while weighing on the Dow Industrials.

10/08/2026

Social Security

10/08/2026

National Women’s Small Business Month is a great reminder that the strongest communities are built one neighbor—and one small business—at a time.

Today, we’re spotlighting Moon & Mug Coffee, “Where coffee meets the cosmos.” ☕🌙

Powered by a sisterhood of dedicated baristas, Moon & Mug blends years of craft with something even rarer: genuine human connection. Artists, creatives, empaths, and caffeine enthusiasts—people who believe every interaction matters.

If you’re local, consider stopping by and showing them some love. Small choices can have a big ripple effect. You can learn more about Moon & Mug here:
https://moonandmugcoffee.toast.site/
https://www.instagram.com/moonandmugcoffee/