EFS Financial Advisors

EFS Financial Advisors Securities offered through LPL Financial, member FINRA/SIPC.

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Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am/we are registered to do business, please visit www.efsfinancialadvisors.com

Federal Reserve officials appear increasingly focused on how persistent inflation could shape future interest rate decis...
05/27/2026

Federal Reserve officials appear increasingly focused on how persistent inflation could shape future interest rate decisions.

Minutes from the most recent Fed meeting show that many officials supported keeping rates steady, while also noting that higher rates could become appropriate if inflation remains above the central bank’s 2% target.

The meeting also reflected a notable level of disagreement. The committee voted to hold its benchmark rate at 3.5% to 3.75%, but four members dissented — the highest number of dissents since 1992.

A key issue was whether the Fed’s statement should continue to suggest that a rate cut remained the more likely next move. Several officials preferred more flexible language, given ongoing inflation pressures.

For households and businesses, these discussions matter because interest rate decisions can influence borrowing costs, savings yields, mortgage rates, credit card rates, and broader economic conditions.

A majority of officials anticipated that interest rate increases would be necessary if the Iran war continued to aggravate inflation.

Restoring the Great Wall of China is a careful process, and in some places, it is happening one brick at a time.The Grea...
05/20/2026

Restoring the Great Wall of China is a careful process, and in some places, it is happening one brick at a time.

The Great Wall stretches roughly 13,000 miles, but it is not one continuous structure. Instead, it is composed of many sections built over several dynasties over about 2,000 years.

One restoration effort focuses on the Jiankou section, a steep, rugged section of the wall north of Beijing. The work requires traditional masonry skills, local knowledge, and a deep respect for preserving the structure’s historic character.

For Cheng Yongmao, known as Old Cheng, the work has become a life’s calling. After decades as a bricklayer and restoration specialist, he now helps guide efforts to protect and repair parts of the wall for future generations.

The project is a reminder that preserving history often depends on patience, craftsmanship, and the people willing to protect what came before.

NBC News visits the monumental 13,000-mile fortifications, which are not, in fact, one contiguous structure but many segments built over several dynasties spanning about 2,000 years.

The Senate has confirmed a new Federal Reserve chair, marking a leadership change at the central bank during a closely w...
05/18/2026

The Senate has confirmed a new Federal Reserve chair, marking a leadership change at the central bank during a closely watched period for monetary policy.

The confirmation vote was 54-45, making it one of the closest votes for a Fed chair in the modern era.

The transition comes as policymakers continue to weigh inflation, interest rates, labor market conditions, and broader economic uncertainty.

The new chair previously served on the Federal Reserve Board and has been involved in monetary policy discussions during periods of significant economic stress.

As leadership changes, markets and policymakers will continue watching how the Fed approaches its dual mandate: supporting maximum employment while seeking price stability.

In the most divisive vote ever for a Fed chair, Warsh, 56, won confirmation to take over for Jerome Powell.

The 152nd Kentucky Derby delivered a historic finish.Golden Tempo charged from the back of the pack to win the 152nd run...
05/11/2026

The 152nd Kentucky Derby delivered a historic finish.

Golden Tempo charged from the back of the pack to win the 152nd running of the race, giving trainer Cherie DeVaux her first Derby win — and making her the first woman to train a Kentucky Derby winner.

DeVaux became just the second woman to train the winner of a Triple Crown race, joining Jena Antonucci, who trained the 2023 Belmont Stakes winner.

The win was especially meaningful given DeVaux’s path through the sport. She began her career at Churchill Downs as an exercise rider more than two decades ago before eventually starting her own stable.

For DeVaux, the moment carried significance beyond the race itself, offering a powerful reminder of what persistence, opportunity, and representation can mean in a tradition-rich sport.

Golden Tempo has won the Kentucky Derby at odds of 23-1 to make Cherie DeVaux the first woman to train the winner of the opening leg of the Triple Crown

The Federal Reserve held interest rates steady at its latest meeting, maintaining the benchmark range at 3.5% to 3.75%.W...
05/05/2026

The Federal Reserve held interest rates steady at its latest meeting, maintaining the benchmark range at 3.5% to 3.75%.

While the decision itself was widely expected, the vote reflected a notable level of disagreement among policymakers, with several members expressing differing views on the outlook for future rate adjustments.

Some officials pointed to ongoing inflation concerns, while others focused on how policy signals could shape expectations moving forward.

Recent economic data continues to show a mixed picture, with steady job growth alongside inflation that remains above long-term targets.

Moments like this highlight how central bank decisions often involve balancing multiple factors as conditions evolve over time.

The Federal Reserve on Wednesday released its latest decision on interest rates.

Retail sales increased by 1.7% in March, reflecting a pickup in consumer spending compared to the previous month.A signi...
04/29/2026

Retail sales increased by 1.7% in March, reflecting a pickup in consumer spending compared to the previous month.

A significant portion of that increase was tied to higher fuel costs, with gas station sales rising notably during the period.

When excluding fuel, overall retail growth was more modest — suggesting that while spending increased, much of it was driven by higher prices rather than a broad-based surge in purchasing activity.

Other areas of retail saw more measured gains, including department stores, furniture, and online shopping, while restaurant spending remained relatively steady.

These trends offer a closer look at how changing costs can influence where and how consumers spend, even when overall spending appears to be rising.

Shoppers accelerated their spending in March from February, but they spent most of their money at the gas pump

Medicare supplemental insurance costs are rising, with many consumers seeing noticeable increases in recent months.Some ...
04/27/2026

Medicare supplemental insurance costs are rising, with many consumers seeing noticeable increases in recent months.

Some policyholders experienced significant jumps — including reports of increases as high as 45% for certain plans, while more typical adjustments are now landing in the double digits.

These policies help cover out-of-pocket costs not included in traditional Medicare, such as deductibles and copayments. Without supplemental coverage, there is generally no cap on annual healthcare expenses.

A range of factors are contributing to higher premiums, including increased use of medical services, rising healthcare costs, and demographic shifts.

At the same time, options for switching plans can be limited by timing, location, and health status, making it more challenging for some individuals to adjust coverage.

These trends highlight how healthcare costs and coverage choices can evolve over time, especially for those approaching or already in retirement.

Millions of people rely on the supplemental insurance to offset the deductibles, copayments, and other costs faced by enrollees in the traditional Medicare program.

During the Artemis II mission, a deeply personal tribute became part of lunar history.What began as a heartfelt gesture ...
04/20/2026

During the Artemis II mission, a deeply personal tribute became part of lunar history.

What began as a heartfelt gesture from the crew has now been made official: a crater on the Moon has been named Carroll.

The name honors Carroll Wiseman, the late wife of mission commander Reid Wiseman, who passed away in 2020. While in orbit, the crew identified a “bright spot” on the Moon and dedicated it to her memory — a moment that resonated both onboard and back on Earth.

The International Astronomical Union later approved the name, ensuring it will appear on lunar maps moving forward.

It’s a reminder that even in moments of exploration and discovery, the connections we carry with us can leave a lasting mark far beyond Earth. 🌙

"Integrity and Carroll Crater, loud and clear."

The cost of raising a child in the U.S. continues to rise, reaching a new milestone in recent estimates.A new analysis p...
04/15/2026

The cost of raising a child in the U.S. continues to rise, reaching a new milestone in recent estimates.

A new analysis puts the total cost at approximately $303,000 through age 18, or about $16,800 per year on average.

These figures include everyday expenses like housing, food, and childcare, but do not account for college costs, which can add significantly more over time.

Costs can also vary widely depending on location. Some states saw notable increases, while others experienced slower growth in certain child-related expenses.

While the overall total has increased, some categories, such as early childcare, have shown signs of stabilizing in recent data.

As costs evolve, these trends offer a broader view of how family-related expenses are changing.

Raising a child through age 18 is most expensive in Hawaii, where a family would spend an estimated $412,661 in 2026, LendingTree found.

One of the most iconic roadways in the U.S. is celebrating a major milestone.Route 66 turns 100 years old this year, con...
04/13/2026

One of the most iconic roadways in the U.S. is celebrating a major milestone.

Route 66 turns 100 years old this year, continuing to draw travelers from around the world with its unique mix of history, culture, and roadside charm.

Stretching roughly 2,400 miles from Chicago to Santa Monica, the route has long been associated with exploration, connection, and cross-country travel.

Over the decades, it has played many roles—from a pathway for migration during the 1930s to a symbol of postwar travel and adventure.

Today, much of the road remains drivable, with historic landmarks, local businesses, and preserved sites keeping its legacy alive for new generations.

For many, Route 66 remains more than just a highway—it’s an experience shaped by the stories and communities along the way. 🚗

One of the world's most famous highways marks its centennial this year

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