Trinity Financial Strategies

11/20/2025

As many of you know, my beautiful grandmother, Ronnie Brunnock, recently passed away after being diagnosed with leukemia.

For years, Timothy Brunnock and I have spoken with many of you about the importance of planning for long-term care. Seventy percent of us will need some form of care in our lifetime, and in 2025, the average cost of a nursing home in northern New Jersey has reached $165,000 per year.

I understood those numbers intellectually—but they didn’t truly hit home until my grandmother got sick.

While we were fortunate that she was able to remain at home for most of her illness, the reality is that 24-hour care adds up incredibly fast. We learned firsthand just how overwhelming—and how emotionally and financially draining—the cost of care can be.

Through this experience, we’ve also learned about several new planning strategies that can help families prepare. These solutions not only provide the ability to pay for long-term care, but also offer market-linked growth on premiums, tax-free benefits, and a guaranteed death benefit if you (hopefully) never need care.

Please join us today at 12:30 PM for an informative educational event with industry expert Andrew Wrigley, where we’ll share the most up-to-date strategies available.

Zoom link is below.

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03/11/2025

📉 Navigating Market Volatility: A Historical Perspective 📊

The U.S. equity markets have experienced a pullback, with the S&P 500 down ⬇️ 4.12% YTD and the NASDAQ down ⬇️ 7.35% YTD (as of 3/11/25 market close). While market declines can feel unsettling, it’s important to keep perspective—corrections of this magnitude are common and often short-lived.

📌 Did you know? Historically, the S&P 500 sees about 3️⃣ pullbacks of 5% or more per year. Since the 1980s, the market has averaged a 14% intra-year decline, yet still delivered an average annual return of 13% 📈.

I’ve attached one of my favorite charts from LPL Financials' Chief Equity Strategist Jeff Buchbinder, which illustrates intra-year market corrections versus total year-end returns. (Note: The image reflects data from mid-2024 and does not account for the S&P 500’s full-year return of 24.89% in 2024.)

⏳ If history is any guide, staying invested through periods of volatility has rewarded patient investors. Discipline and perspective matter!

💡 Have questions about navigating the markets? Let’s connect! You can reach me via email at [email protected] or by phone at 973-936-1982.

02/07/2025

🎉 Exciting News! 🎉

Please join us in congratulating Ryan Brunnock on becoming the newest Partner at Trinity Financial Strategies.

Ryan’s dedication, expertise, and commitment to excellence have been instrumental in driving success for our clients and our firm.

We are thrilled to see Ryan take on this next chapter and continue making a lasting impact. Read more about this exciting announcement in our official press release: https://lnkd.in/eNPujB9D

Congratulations, Ryan! 👏👏

01/22/2025

🌟Are you prepared to protect yourself and your family from the top financial challenges facing Baby Boomers in 2025? 🌟

Join Tim Brunnock as he presents:

"Protecting You and Your Family from 7 of the Biggest Financial Planning Dangers Facing Baby Boomers in 2025."

📅 Two Convenient Sessions:

🔹 Thursday, January 23rd at 4:30 PM (sign up link) https://lnkd.in/ecfRxrR8

🔹 Friday, January 24th at 12:30 PM (sign up link) https://lnkd.in/eHvY9bzA

This webinar is designed to give you actionable insights on navigating:
✅ developing a savings and spending plan
✅ organizing a retirement income plan
✅ maximizing your social security benefits
…and much more.

Whether you're approaching retirement or already there, this session will help you make informed decisions to secure your financial future.

We look forward to seeing you there!

Ryan Brunnock

02/14/2024

Wishing all of our clients, friends, and colleagues a happy Valentine’s Day! 💌

01/08/2024

Happy New Year!

We always think of the new year as a new beginning—a chance to think about what we want to accomplish. A lot of us have new goals for the year, and many of those goals are financial in nature.

If you would like to discuss any of your new financial goals and find out how our team helps people put all the pieces of their financial puzzle together 🧩, we would love to chat with you for 10 to 15 minutes.

Feel free to email us at [email protected] and [email protected], or call at 973-867-1355

01/02/2024

Happy New Year from Trinity Financial Strategies! 🎇 Cheers to 2024—wishing you all happiness and health in the year ahead!

07/27/2023

🎓 For parents of incoming college freshmen, the fall semester will be here before you know it. One thing you might not see on checklists for what to pack when your child is heading off to ? A Health Insurance Portability and Accountability Act (HIPAA) release form!

Once a child turns 18, parents no longer have access to the child’s medical records and cannot make decisions on their child’s behalf. Without proper health documents established, it’s possible that parents may not even be notified if their child is involved in a medical emergency.

By signing HIPAA release forms, students authorize healthcare providers to share medical information with parents if the child is incapacitated.

If you’re interested in learning more about medical release forms for college students, feel free to reach out!

03/29/2023

With college acceptance letters rolling in, the springtime of senior year marks a pivotal time for many high school students. 📨

Deciding which school to attend can be an exciting yet nerve-wracking process. As students and their families narrow down their options, it’s critical to factor budgetary implications into a final decision. Taking on too much student debt to pay for school may be detrimental to students’ finances once they graduate .

Read below for important factors to consider when choosing a school—and borrowing money to attend.

If you or a loved one have any questions about financing a college education, feel free to contact us!

As students weigh which school to attend, making sure they won't need to borrow too much is key, experts say.

03/17/2023

“May peace and plenty bless your world
With a joy that long endures
And may all life’s passing seasons
Bring the best to you and yours.”

Happy St. Patrick’s Day from Trinity Financial Strategies! ☘ Wishing you the luck of the Irish today and every day!

03/02/2023

Turning 72 in 2023? A new law has a special birthday gift in store for you this year. 🎂 (Hint: no RMDs until 2024!)

Signed by President Biden in late December 2022, the SECURE 2.0 Act includes several provisions affecting how and when savers can withdraw money from their retirement accounts—including the required minimum distribution (RMD) age. Starting this year, the RMD age has been raised from 72 to 73 years old. In 2033, the RMD will increase to 75.

The provisions will also eliminate required distributions from Roth 401(k) plans and reduce RMD tax penalties. Read on below to learn more about these changes.

If you or a loved one have any financial questions, feel free to reach out to us!

President Joe Biden signed a $1.7 trillion legislative package Thursday with updates to required minimum distribution rules for retirement accounts.

02/14/2023

Happy Valentine’s Day from Trinity Financial Strategies!

Thinking of all our clients, friends, and colleagues with a thankful heart.