Macdonald Financial Services

Macdonald Financial Services Our goal at Macdonald Financial Services is to exceed our client's expectations by providing sound financial advice and exceptional customer service.

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. www.finra.org www.sipc.org
We are committed to putting quality service and objective advice first. I offer clients financial services in a variety of areas:

•Retirement Planning - to design an investment strategy with a purpose to help you work towards all of your retirement goals
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Long-term care - to help ensure that you and your heirs are well-cared for
•Annual portfolio review - to review your current holdings and help you make any necessary changes or adjustments
•Estate planning - for preservation of wealth from generation to generation
We are registered for Securities in the following states: AL, AZ, CA, CO, FL, GA, ID, KS, MA, MN, MO, MT, NE, NH, NM, NV, NY, OH, OR, SD, TX, VA, WA, WI, WY
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.

06/08/2026

📈 Another week, another round of market highs.

Markets continued their strong run last week, even as inflation concerns and global uncertainty remained in focus.

In this week's recap, AJ and Devin discuss:

📊 New highs for the Dow, S&P 500, and Nasdaq
⛽ Oil prices remaining elevated amid Middle East tensions
🤖 Anthropic filing for an IPO and continued excitement around AI
🚀 Ongoing speculation surrounding a future SpaceX IPO
💼 A much stronger-than-expected jobs report
🏦 Why interest rate cuts may be off the table for now
📈 Inflation continuing to move in the wrong direction
⚾ A surprising bright spot from the Rockies

A lot happened last week, and there are several important trends worth watching as we move through the summer.

06/04/2026

🚨 The years right before retirement matter more than many people realize.

The decisions you make in the final few years before retirement can have a significant impact on your long-term financial picture.

In this video, AJ and Devin discuss some of the biggest mistakes they see people make as retirement approaches:

🏥 Underestimating healthcare costs
💳 Carrying too much debt into retirement
📉 Taking on too much investment risk
💵 Not having an income distribution strategy
📋 Claiming Social Security without a plan

The good news? Most of these mistakes can be avoided with proper planning.

06/01/2026

📈 A strong week for the markets.

Despite ongoing inflation concerns and uncertainty around interest rates, markets responded positively to last week's economic data.

In this week's recap, Devin and Rachel discuss:

📊 Markets posting a solid week of gains
📉 Inflation remaining relatively stable, but still above target
🏦 Why interest rate cuts may be off the table for now
👔 Kevin Warsh's first full week as Federal Reserve Chair
🌍 Continued peace talks and developments involving Iran
⛽ Oil prices remaining volatile amid Middle East tensions
🏒 A disappointing end to the Avalanche season

While inflation isn't moving as quickly as policymakers would like, investors appeared encouraged by the overall economic picture.

🎓 Happy 5/29 Day! 🎉Today is the perfect reminder to talk about one of the most popular education savings tools available...
05/29/2026

🎓 Happy 5/29 Day! 🎉

Today is the perfect reminder to talk about one of the most popular education savings tools available... the 529 plan.

A 529 plan can help families save for future education expenses while offering potential tax advantages and flexibility for qualified educational costs.

Whether you’re saving for children, grandchildren, or future generations, starting early can make a meaningful difference over time. 📚

If you have questions about how a 529 plan works or whether it fits into your financial plan, we’d be happy to talk with you.

05/28/2026

💰 Should you help your adult children financially?

A lot of parents and grandparents want to help their kids financially, especially with today’s rising costs.

But there’s an important question to ask first…

👉 Can you actually afford to do it without hurting your own retirement plan?

In this video, AJ and Devin discuss:

👨‍👩‍👧‍👦 Helping kids financially without sacrificing your future
⚖️ Emotional vs. financial decision making
🚧 Setting healthy financial boundaries
💵 Gifting limits and tax considerations
📊 Making sure support is sustainable long term

Helping family is important, but so is protecting your own financial future.

05/25/2026

📈 Another busy week across the markets and the economy.

Last week brought rising oil prices, higher interest rates, strong earnings, and continued geopolitical headlines.

In this week’s recap, AJ and Devin discuss:

⛽ Oil prices climbing above $110 per barrel
🌍 Ongoing tensions involving Iran and the Strait of Hormuz
🏦 Interest rates and mortgage rates moving higher
📉 Inflation continuing to pressure energy, food, and commodity prices
🤖 Nvidia posting another massive earnings report
🚀 Rumors surrounding a future SpaceX IPO
📊 The Fed signaling fewer rate cuts and possible rate hikes instead

A lot happening globally, and markets continue trying to balance strong earnings with inflation concerns.

05/21/2026

🏡 Should you pay off your mortgage before retirement?

It sounds like an obvious “yes”…

But financially, it may not always be the best move.

In this video, AJ and Devin discuss several important things to think about before paying off your mortgage:

💰 The emotional vs. mathematical side of the decision
📉 How low interest rate mortgages can change the equation
💵 Why cash flow matters in retirement
🧾 Potential tax consequences of pulling large amounts from retirement accounts
🏦 Medicare and tax bracket considerations
📊 Hybrid payoff strategies that some retirees use instead

Every situation is different, which is why planning matters.

🎉 Celebrating our May & June birthdays today at Macdonald Financial Services! 🎂We always enjoy the opportunity to spend ...
05/20/2026

🎉 Celebrating our May & June birthdays today at Macdonald Financial Services! 🎂

We always enjoy the opportunity to spend time with our clients outside of the office and celebrate the people who make what we do so meaningful.

Thank you to everyone who joined us today. We loved getting to celebrate with you and hope you had a wonderful time!

Happy Birthday to all of our May and June birthdays! 🎈

🎓 A big congratulations to Charlie and Tyler on their college graduations this past weekend! 🎉We’re so excited to celebr...
05/18/2026

🎓 A big congratulations to Charlie and Tyler on their college graduations this past weekend! 🎉

We’re so excited to celebrate this huge accomplishment with both of them and their families.

Charlie and Tyler, all of your hard work, dedication, and perseverance have paid off, and we can’t wait to see what’s ahead for each of you in this next chapter.

Please join us in congratulating them on this incredible milestone! 👏

05/18/2026

📈 Markets continue pushing to new highs.

Last week brought another strong week for the markets, even as inflation concerns and geopolitical tensions remained in focus.

In this week’s recap, AJ and Devin discuss:

📊 The Dow crossing 50,000 for the first time
🚀 The Nasdaq and S&P 500 continuing to hit all time highs
⛽ Rising gas prices and hotter inflation data
🏦 Kevin Warsh officially stepping in as Federal Reserve Chair
🌍 Continued tensions involving Iran and the Strait of Hormuz
💻 Strong earnings from major technology companies
🏒 Another exciting week for the Avalanche playoff run

There’s still plenty happening globally, but markets continue to show resilience.

Address

4025 St Cloud Drive, Ste 250
Loveland, CO
80538

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 4pm

Telephone

(970) 667-2950

Website

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