Actus Wealth Strategies, LLC

10/19/2026

This week is Estate Planning Awareness Week. Are your beneficiaries up to date on everything, including your 401(k)s, IRAs, your insurance policies, and your estate plan? Life moves ahead, and it’s not always in a straight line. Don’t forget how important estate planning is in protecting your family, and be sure to make regular updates in cases of divorce or if family members pass away. Almost everyone needs an estate plan so that their wishes are documented!

To discuss tax-advantaged estate planning strategies, give us a call!

This material is provided as a courtesy and for educational purposes only. Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation.

10/15/2026

Today is the start of the Medicare Open Enrollment period, which runs October 15th to December 7th annually for those already on Medicare. Now is the time to check your plan for any changes in co-pays, deductibles, coverages, doctors, covered medications… and compare costs. You can switch to a different Medicare Advantage plan, go back to Original Medicare, add vision or dental, or make other choices for the 2027 benefit year. And remember, your Medicare premium is based on your income from two years prior.

10/13/2026

Healthcare costs are on the rise, and your retirement plan should help ensure you have adequate funds dedicated to this, especially as you get older. Fidelity’s newest projections are $185,500 needed during retirement for healthcare by the average person who has reached age 65. This includes Medicare premiums, copayments, deductibles, and other out-of-pocket costs, but does not include long-term care: https://ow.ly/U6FL50ZQB3b

Let’s talk about your retirement plan!

This material is provided as a courtesy and for educational purposes only. Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation.

10/08/2026

WHERE you retire matters more than ever. Is your location on this list? 🏙️ This annual ranking by Fast Company compares four key factors, affordability, activities, quality of life, and healthcare, across more than 180 cities:

With retirement budgets under pressure, a new ranking compares U.S. cities on costs, healthcare, quality of life, and activities.

10/06/2026

A recent article in Psychology Today magazine lays out aspects of retirement you may not have thought about. From making plans to travel, spending time with family and friends, or exercising more, to finding ways to stay useful and relevant as well as financially sound, the subjects explored here are truly worth considering BEFORE you stop working: https://ow.ly/IoBS50ZQAXB

This material is provided as a courtesy and for educational purposes only. Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation.

10/01/2026

October is Financial Planning Month, which is a great reminder to consider all of your financial matters comprehensively, as a whole. Make sure your plan includes retirement savings, a retirement income plan, savings for life milestone goals (wedding, house, kids’ college), insurance to help protect you from potential adverse life events, your budget, your investments, your legacy plan… everything related to your finances!

We’re here to help. Call us!

09/30/2026

Grandparents Day recognizes the important role grandparents play in their families, from offering guidance and support to helping raise the next generation.

For many, that support extends beyond spending time with children and grandchildren. It can also include helping with college education costs and making thoughtful decisions about the assets and wealth they hope to pass down.

How assets are managed, gifted, and passed down can have important implications for taxes, financial aid, and the financial well-being of future generations. Here are some considerations grandparents may want to keep in mind.

Grandparents play an important role in their families, from offering guidance and support to helping raise the next generation.

07/29/2026

Nearly 3 in 10 Americans in their 50s still don’t have a retirement account, pensions are pretty much a thing of the past, and even those who have retirement accounts or pensions may be facing savings that fall short of what’s needed to sustain their lifestyle. We’re more than halfway through 2026, and if you haven’t started building or reviewing your retirement strategy, now is the time to act. Catch-up contributions, employer matches, and smart planning moves can still make a meaningful difference. Contact our team today to get started.

This material is provided as a courtesy and for educational purposes only. Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation.

Federal data show how many Americans nearing retirement may not have the financial resources they’ll need later in life, raising concerns about long-term financial security.

07/22/2026

You may be approaching retirement age, but are you actually prepared for the next chapter of your life? Taking the time to address key milestones like creating an income strategy, managing debt, and planning for healthcare, family, and lifestyle changes can help you feel more confident about your future.

Let’s work together to help ensure your plan is aligned with your goals. Contact our team.

This material is provided as a courtesy and for educational purposes only. Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation.

Before getting in too deep, make sure your diving board is steady first.

07/20/2026

We are seeing more Americans retire earlier than expected, and questions continue to arise about the future of Social Security and whether changes to the full retirement age could better align with today's retirement trends. However, with Social Security facing funding challenges, professionals are suggesting that lowering the full retirement age is unlikely.

If you have questions about how Social Security fits into your retirement income strategy, contact our team.

This material is provided as a courtesy and for educational purposes only. Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation.

More and more Americans are retiring before reaching Social Security's full retirement age. Could the program's age be lowered to meet retirees where they are?