Brandon Tryon, Licensed Agent with Guardian Life

08/01/2026

The Common Cents Act has passed the House and now moves to the Senate for consideration.

The bill is tied to the phase-out of the penny and would create a national rounding standard for cash transactions.

Under the proposal, cash purchases would be rounded up or down to the nearest five cents when exact change is not available.

For example, a purchase totaling $10.02 would round down to $10.00, while a purchase totaling $10.04 would round up to $10.05.

Pennies would still retain their value under the act, even as the Treasury stopped minting them.

The bill is especially relevant for businesses that handle cash, including restaurants and retailers, because it could reduce confusion and legal risk around exact change.

For consumers and businesses, the broader takeaway is that even small changes in currency rules can affect daily transactions, checkout systems, and cash-handling practices.


Source:

New law aims to address how businesses and consumers should transact amid the phase-out of the penny.

07/31/2026

Retirement may seem decades away, but the smartest financial moves start today. 💡

The earlier you begin saving and investing, the more time your money has to grow. Whether you're just starting your career or climbing the corporate ladder, creating a retirement plan now can help you build long-term financial freedom and peace of mind.

Your future self will thank you for every step you take today. 🌱➡️🏖️



https://www.business-standard.com/finance/personal-finance/retirement-planning-for-young-professionals-when-to-start-126061000341_1.html

07/30/2026

As an adult, you are never too young to think about and prepare for retirement!

07/29/2026

Heat waves can affect more than daily comfort and public health. They can also create real economic costs.

Extreme heat can reduce productivity among outdoor workers, increase utility bills, strain power grids, reduce crop yields, and keep some consumers closer to home.

One federal climate assessment found that the average number of heat waves in major U.S. cities each year has doubled since the 1980s.

Researchers have also found that more frequent extreme heat and severe droughts can weigh on gross domestic product, while heat-related economic losses have reached trillions of dollars globally in recent decades.

The impact can be especially significant for heat-exposed industries such as agriculture, construction, manufacturing, transportation, and mining.

For households and businesses, extreme heat is a reminder that weather risk can affect budgets, supply chains, labor productivity, food prices, and energy costs.


Source:

Heat waves threaten costs for the economy, sapping workers' productivity, shutting shoppers inside their homes and driving up utility costs, analysts told ABC News.

07/28/2026

Term covers the “right now” with cost efficient protection for income replacement, debt, and family protection.

Whole life supports long-term goals with permanent coverage, stable premiums, and cash value growth.

The winning strategy? Use both by matching the right Guardian solution to the need and protecting today while building for tomorrow.

Message me directly to connect.

07/27/2026

When it comes to small business retirement options, the choices can feel overwhelming. This post highlights that a SEP-IRA, SIMPLE IRA, and 401(k) are structured differently, and that the right fit depends on business size, number of employees, and overall goals.

07/18/2026

07/14/2026

Do a Roth IRA’s income limits keep you from enjoying its tax-efficient growth and withdrawals? Whole life insurance, has similar tax benefits. Got a minute to talk about helping to mitigate your taxes?

07/13/2026

It’s not just about retiring — it’s about retiring on your terms. Start planning today to help you build confidence in the future you want. Learn more: