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Members' Wealth

Preserve. Grow. Endure. Evolve. Past performance does not guarantee future results. Members Wealth LLC (“Members Wealth”) is a registered investment advisor.

“At Members’ Wealth, we coordinate your investment, tax, legal, and estate demands through our
unique membership service organization. Our goal is to preserve and grow your wealth to endure over
time, while thoughtfully evolving your strategy to suit an ever-changing world." CEO - Dane Czaplicki, CFA

“At Members’ Wealth, we coordinate your investment, tax, legal, and estate demands through our un

ique service organization. Our goal is to preserve and grow your wealth to endure over time, while thoughtfully evolving your strategy to suit an ever-changing world." CEO - Dane Czaplicki, CFA

Investment strategies, including rebalancing, do not guarantee improved performance and involve risk, including potential loss of principal. Advisory services are only offered to clients or prospective clients where Members Wealth and its representatives are properly licensed or exempt from licensure. The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor. The views expressed in this commentary are subject to change based on market and other conditions. These documents may contain certain statements that may be deemed forward-looking statements. Please note that any such statements are not guarantees of any future performance and actual results or developments may differ materially from those projected. Any projections, market outlooks, or estimates are based upon certain assumptions and should not be construed as indicative of actual events that will occur. https://adviserinfo.sec.gov/firm/summary/149937

• Third-party posts found on this profile do not reflect the views of the firm or its Associated Persons,
and have not been reviewed by the firm as to accuracy or completeness.
• This material and the opinions voiced are for general information only and are not intended to provide
specific advice or recommendations for any individual. To determine what is appropriate for you, please
contact me directly or consult another qualified professional.
• The testimonials/recommendations used may not be representative of the experiences of other clients,
and are not indicative of future performance or success.
• Third party posts are monitored for inappropriate language. Posts using such language will be removed. The comments posted here may be made by current clients, past clients or non-clients. We have not paid
for these comments. Investment advisory services offered through Members' Wealth LLC., an SEC registered investment advisor. Registration of an investment advisor does not imply any level of skill or training.

04/13/2026

It always makes me pause and honestly laugh a little when I hear:
“These are unusually uncertain times.”

Compared to when?

Uncertainty is not new. It is always present. It is the baseline condition of investing and of life.

What changes is not uncertainty itself, but our perception of it.

When markets are calm, we feel confident. When markets move, we feel uncertain. That feeling is not a reliable signal of reality. It is a reflection of human psychology. We are wired to overweight recent events, to react to visible movement, and to mistake volatility for risk.

Investment risk isn’t volatility it’s behavior. Learn how uncertainty impacts investor decisions and long-term returns.

03/30/2026

As we move to close out the first quarter, markets have started to feel different.

Not broken. Not panicked (surprisingly). But clearly adjusting.

Equity indices have now logged five straight weeks of negative returns, with the Nasdaq slipping into correction territory. Growth stocks (i.e. like the big tech names we all know), which led much of the recent cycle, have been hit the hardest. At the same time, oil prices and bond yields have reasserted themselves as key drivers of stock prices, reminding investors that the macro environment still matters.

Markets are adjusting, not breaking. Explore Q1 trends in stocks, bonds, and valuations—and what higher yields mean for future investment opportunities.

02/17/2026

A client asked me last week whether the recent rotation out of growth stocks (AI, software, and the like) would continue and whether it’s now too late to invest in value.

I know they were asking a relative question.
But I couldn’t help myself. I stepped back and answered first from an absolute standpoint.

Is now a good time to invest in value?

Absolutely.
Yes.

Is now a good time to invest in value? A look at market rotation, growth pullbacks, and why absolute value still wins over speculation.

02/12/2026

The largest intergenerational transfer of wealth in history—the so-called Silver Tsunami—is underway as Baby Boomers pass assets to spouses, children, and other beneficiaries. What is often underappreciated is that women, particularly divorced women and single women, are positioned to become the primary stewards of this transferred wealth.

As wealth shifts in the Silver Tsunami, divorced and single women are becoming key decision-makers. Learn how a Wealth Done R.I.T.E. approach protects and grows assets.

02/09/2026

Over the past week, several people have sent me articles highlighting the same concern: the growing level of U.S. debt and what it could mean for the long-term health of the country.

First, I would like to remind investors that even if debt problems are inevitable, timing matters.

Rome wasn’t built in a day. Neither was the United States. Rome fell, but depending on your definition of “fall,” it took 200 to 1,000 years. So Rome fell, but it also kind of didn’t.

A perspective on U.S. debt fears, market volatility, and why owning high-quality businesses and staying diversified still matters in uncertain times.

01/29/2026

New Pennsylvania legislation, specifically Act 50 of 2025 (formerly House Bill 1176), signed into law on November 24, 2025, and taking effect on January 23, 2026, fundamentally alters how the estates of individuals who die without a will (intestate) and without heirs are handled.

New Pennsylvania legislation Act 50 of 2025 (formerly House Bill 1176)—signed into law on November 24, 2025, and taking effect on January 23, 2026, fundamentally changes how the Commonwealth handles the estates of individuals who die without a will (intestate) and without heirs.

01/12/2026

In our year-end letter, we focus on what actually mattered in 2025 across Risk, Investments, Tax, and Estate and how we’re heading into 2026 with discipline, not predictions.

Quarterly Newsletter 2025

12/22/2025

People.
As we wrap up 2025, we’re giving our communications and social posts a year-end breather so the team can return fully charged for 2026. It was a strong year. Markets created wealth for long-term investors. The firm grew. We enter the new year with a rock-star team, a strong balance sheet, and a diversified, values-aligned client base.

Wrapping up the Year

12/18/2025

As the year draws to a close, business owners operating LLCs (default taxation) or S Corporations (traditional S Corporation or LLC taxed as an S Corp) have a valuable opportunity to evaluate financial strategies before December 31. While both structures offer pass-through taxation, proactive year-end planning can help optimize after-tax outcomes and strengthen long-term wealth strategies.

Year-End Tax Planning for Small Business Owners: LLCs and S Corps

12/11/2025

The Federal Reserve wrapped up its latest meeting with a 25-basis point rate cut, bringing the federal funds rate to a range of 3.5% to 3.75%. Stocks responded positively and moved higher, while bond yields drifted lower. With December underway, many investors are wondering whether this opens the door for a traditional Santa Claus Rally. Based on today’s outcome, the Fed may have provided just enough encouragement.

The Fed Cuts, Stocks Jump, Yields Slip: Santa Claus Rally Setting Up?

12/08/2025

This weekend, for the first time this season, Kai stepped onto the wrestling mat with the kind of grit that only a kid chasing progress can show. BOOM. Wrestling is brutally honest. One moment you’re on your feet; the next you’re staring at the lights, wondering how you got there. She started strong and finished strong, in the middle…a lesson. What matters most isn’t the winning; it’s showing up, learning, evolving, and staying around for your adaptations to pay future dividends.

When You Get Knocked Down: Wrestling, Markets, and the Power of Adaptability

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https://www.memberswealthllc.com/

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