Ronald Dawson & John Miller

11/12/2025

Before the year ends, take time to rebalance your portfolio, review your insurance, plan for education costs, and maximize tax efficiency. End the year by setting goals for next year. Small moves now can mean big gains later.

11/11/2025

Thank you to all who dedicated themselves to serve our country. May we always remember and be grateful!

09/01/2025

Markets closed. BBQs open. But smart money never takes a day off.

What's your best "set it and forget it" financial strategy? Share below!

08/15/2025

06/15/2025

Happy Father's Day to the amazing dads, stepdads, granddads, and all father figures who embrace the adventure of fatherhood with open hearts and open arms.

Whether you're exploring the world through imaginative play, offering sage advice, or simply being there with love and support, your impact is immeasurable.

Here's to the explorers, guides, and heroes in our lives—thank you for making every day an adventure.

12/18/2024

Important updates about Medicare Part B premiums for next year:
The standard monthly premium is increasing to $185.00, up $10.30 from 2024.

Key changes to know:
Monthly premium: $185.00 (up from $174.70)
Annual deductible: $257 (up from $240)
This change affects both automatic deductions and manual payments.
It's worth noting that these adjustments reflect typical healthcare cost trends and usage patterns.

Higher-income beneficiaries may see different premium amounts based on their specific situation.
Remember: These changes take effect in January 2025. If you're receiving Social Security benefits, adjustments will happen automatically.


Source:

Medicare's Part B monthly premium is outpacing both inflation and Social Security's cost-of-living adjustment.

12/04/2024

The Fed has a dual mandate when managing monetary policy. Since 1977, Congress has tasked the Fed with maintaining price stability while maximizing employment. In recent months, the Fed has appeared more successful at managing inflation than boosting employment.

11/28/2024

Wishing you and your family a happy, healthy and safe Thanksgiving holiday surrounded by your loved ones.

11/27/2024

The IRS has released the 2025 tax brackets with a 2.8% inflation adjustment—the smallest increase in several years.

Here's what's changing:
➡️ Standard deduction for married couples filing jointly rises to $30,000
➡️ Single filers' standard deduction increases to $15,000
➡️ Annual tax-free gift limit grows to $19,000 per recipient
➡️ Estate tax exclusion reaches $13.99 million (up from $13.61 million)
➡️ Earned Income Tax Credit maximum increases to $8,046 for qualifying families

Understanding how tax brackets work remains crucial: you're only taxed at higher rates for income above each threshold, not your entire earnings. For example, if you're married filing jointly, you'll pay 10% on the first $23,850 of taxable income, then 12% on earnings above that amount.

Important note: Some provisions aren't changing in 2025, including the $10,000 SALT deduction cap and the $2,000 Child Tax Credit. ⚖️


Source:

Cetera Advisor Networks LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.

The IRS has adjusted tax brackets and dozens of other provisions for inflation. Here's how that will impact your taxes.