Lux Wealth Advisors

10/31/2026

🎃👻 Happy Halloween from Lux Wealth Advisors! 🍂

10/29/2026

Talking with your parents about their wishes as they get older isn’t always easy. ❤️

You may worry about making them uncomfortable, or they may not feel ready to discuss it. But understanding what matters to them can make a difference if your family ever faces difficult decisions.

💬 The conversation doesn’t have to cover everything at once. You might start with a couple of simple questions:
▪️“Have you thought about what you’d want if you ever needed help making decisions?”
▪️“Do you have important documents somewhere we could find them if needed?”

Over time, those conversations may cover medical preferences and documents like a will or power of attorney.

And if your parents aren’t ready to talk? That’s okay. Respecting their comfort and independence is part of the conversation, too.

This isn’t about taking over. It’s about listening, so their wishes are understood if they’re ever needed.



Source:

End-of-life planning can be difficult to discuss, but the right approach can make the conversation easier.

10/26/2026

Read the latest weekly market update from Cetera:

In the absence of major economic news, earnings and geopolitical tensions continued to take center stage. Both Iran and the Houthis renewed attacks on oil…

10/23/2026

🎃 Filling the candy bowl is costing more this year.

Candy and chewing gum prices have climbed 8.1% over the past year, according to the Bureau of Labor Statistics. Chocolate prices are up, too, though estimates vary by source. 🍫

But higher prices aren’t necessarily keeping Americans out of the candy aisle.

The National Retail Federation expects Halloween spending to reach $13.5 billion this year, with 96% of Halloween shoppers expecting to buy sweets.

For many households, the holiday is one of those small traditions worth making room for, even when everyday expenses are taking a bigger bite out of their budgets.

Whether you’re picking up candy for trick-or-treaters or sneaking a few pieces for yourself, what’s the one Halloween candy you can’t resist? 🍬👻



Source:

Average prices for chewing gum and candy have soared 8.1% over the last year, according to the Bureau of Labor Statistics.

10/21/2026

Tune into ND Today on KFYR-TV tomorrow morning at 9am to catch Financial Advisor, David Wald.

David will be discussing "Are You Leaving Retirement Savings on the Table?"

David Wald is a Registered Representative offering Securities through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. 4431 Memorial Highway, Mandan, ND 58554.

10/16/2026

Everyone should have an emergency fund, but not everyone needs the same amount. To figure out how much you should save, total your average necessary expenses (rent, bills and groceries) and then multiply that number by three months.

10/12/2026

Building long-term wealth is rarely about one decision—it’s about consistent habits over time.

A strong financial foundation may include diversifying investments, maintaining healthy savings, managing high-interest debt, growing income, and keeping long-term goals in focus.

Small, intentional steps today can help you work toward greater financial confidence for the future.

A diversified portfolio does not assure a profit or protect against loss in a declining market.

10/05/2026

📌 Higher rates sting borrowers, but they can be a real win for savers.

As rates rise, banks may increase the yields they offer on savings products to attract deposits. The average U.S. savings account still pays just 0.64% annual percentage yield. Some high-yield accounts are paying more than six times that, up to 4.2%, for the exact same deposit.

🔎 Certificates of deposit, or CDs, can offer even higher rates, but the tradeoff is access: your money is locked in for a set term, and pulling it out early usually costs a penalty.

Higher yields don’t erase the effects of inflation, and they won’t necessarily transform household finances. But if your savings account is still earning close to that 0.64% average, that gap alone might be worth a second look.


Source:

The Federal Reserve recently raised interest rates for the first time since 2023.

10/02/2026

Shane Hafner, Financial Advisor recently had the opportunity to help recognize some of the area’s outstanding educators at the Annual Celebrate Bismarck Mandan event, hosted by the Bismarck Mandan Chamber EDC at the Bismarck Event Center.

With more than 600 business professionals in attendance, the event was a wonderful opportunity to recognize individuals and organizations making a positive impact throughout the community.

As Chairman of the Excellence in Education Committee, Shane had the privilege of presenting the Teacher of the Year awards and helping recognize these outstanding educators once again. Their dedication to students, families, and the community is truly worth celebrating.

Congratulations to this year’s honorees, and thank you to the Bismarck Mandan Chamber EDC for hosting such a meaningful community event!

09/29/2026

Championship weekend! 🏆⚽

Congratulations to the LUX Regional Elite players, coaches, and families on another incredible weekend!

We’re proud to support a group of young athletes who continue to demonstrate teamwork, perseverance, and commitment—both on and off the field.

Congratulations to the entire team, and thank you to the coaches, parents, and supporters who help make opportunities like these possible.