BDA Financial Services

10/20/2026

10/19/2026

Ever heard of a Roth 401(k)? Would one be right for you?

Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.

10/19/2026

Bonds have a reputation for being the boring part of an investment portfolio. They're supposed to provide a little stability. No drama, please! Well, the market apparently didn't get the memo. Government bonds have been selling off...

Discover why bonds still play an important role in a diversified investment portfolio, how rising interest rates affect bond prices, and why investors should look beyond short-term performance.

10/18/2026

The ten years that deserve extra attention.

10/17/2026

Financial Milestones in Your 40s

Your 40s can be a powerful decade financially.

For many people, these are the years when income starts to climb and there’s finally a little more breathing room in the budget. The challenge is making sure that extra income actually moves you forward.

A few milestones to think about:

➡️ Give every raise a purpose. Before lifestyle creep absorbs it, decide where that extra income should go.

➡️ Increase your retirement savings. Your peak earning years can also become some of your strongest investing years.

➡️ Start funding more than one goal. Retirement may still be the priority, but you might finally have room for college savings, home projects, travel, paying down debt, or building investments outside of retirement accounts.

➡️ Pay more attention to taxes. As income and investments grow, tax planning can become an increasingly important part of your overall strategy.

➡️ Protect what you've built. Review your insurance, beneficiaries, and estate documents as your income, assets, and family responsibilities change.

Your 40s aren't necessarily about having everything figured out. They're about using the financial momentum you've built to create more choices for your future.

More income is great. More intentional income is even better.

10/16/2026

Retirement is more than reaching a number.

You spent decades saving and investing to get to retirement. But once you’re there, the job changes. Now you have to figure out how to turn those savings into income, manage taxes, handle market ups and downs, keep up with inflation, and prepare for expenses you may not see coming.

A good Retirement Playbook should consider things like:
• Keeping enough reserves so a market downturn doesn’t dictate your spending decisions
• Maintaining investments that can help your money keep pace with inflation
• Coordinating withdrawals with Social Security and pension income
• Managing taxes across different types of retirement accounts
• Planning for healthcare and other unexpected expenses
• Keeping beneficiaries and estate plans up to date
• And, most importantly, staying flexible as life and markets change

Retirement planning doesn’t end the day you retire. In many ways, that’s when the next phase of planning begins. A plan should give you a framework—but it should also be flexible enough to change with you.

10/15/2026

Treasury yields pulled back from their recent highs after a strong auction eased some concerns about demand for government debt.

The 10-year Treasury yield climbed as high as 5.35%, its highest level since 2002, before easing following the Treasury's sale of $39 billion in 10-year notes.

Demand at the auction was stronger than average, particularly from indirect bidders such as global central banks, which accounted for 80.3% of the sale, compared with a 10-auction average of 72.4%.

The broader backdrop is still one of elevated yields, with investors weighing persistent inflation, rising energy prices, and expectations that the Federal Reserve may raise rates again before year-end.

For now, the auction offered a little reassurance that demand for longer-term Treasurys remains strong even as yields sit near multidecade highs.



Source:

U.S. Treasury yields came off their highs after a solid sale of 10-year notes.

10/14/2026

Consider a bucket plan to go with your bucket list.

Longer, healthier living can put greater stress on retirement assets; the bucket approach may be one answer.

10/14/2026

🎂 59½: Your retirement money just became a lot more accessible.

Once you reach age 59½, the 10% early-withdrawal penalty generally no longer applies to distributions from retirement accounts.

But that doesn’t mean it’s time to start pulling money out without a plan.

Now the question changes from, can I access my money? To where should my income come from?”

You may have money spread across:
➡️Traditional IRAs & 401(k)s
➡️ Roth IRAs & Roth 401(k)s
➡️Brokerage accounts
➡️ Cash & savings

Each account can have a different tax impact.

A thoughtful withdrawal strategy may mean using a combination of accounts each year—balancing taxable income, managing tax brackets, considering future RMDs, and preserving tax-free Roth dollars when appropriate.

Getting to retirement is about building the accounts.
Living in retirement is about knowing how to use them.

59½ gives you more flexibility. The next step is creating a strategy for it.

*Tax treatment varies by account type and individual circumstances. Roth IRA earnings may be subject to separate qualified-distribution rules.*

10/13/2026

"$6 for this?" You've probably had a moment like that lately. Maybe it was at the grocery store. Maybe it was when you filled up your car. You see the price, do a double take, and wonder if you remembered it wrong. Did this really cost...

Inflation remains elevated, affecting everything from groceries and gas to interest rates and investments. Learn what rising prices could mean for your financial plan.