AllGen Financial Advisors, Inc.

10/16/2026

This article reflects market conditions and commentary presented during AllGen Financial's Quarterly Market Update on October 15, 2026, covering inflation, oil, earnings, the dollar, gold and interest rates.

AllGen's Q4 2026 market outlook: inflation and oil, strong earnings and AI, lower valuations, the dollar and gold, and what rising rates mean for bonds.

10/15/2026

Medicare Open Enrollment starts today and runs through Dec 7!
It's your once-a-year chance to review your coverage and make changes for 2027.

Before you decide, check your plan's Annual Notice of Change, make sure your prescriptions are still covered, and compare your options before the window closes.

Questions about how Medicare fits into your retirement plan? Link in bio.

AllGen Financial Advisors, Inc. is a Registered Investment Advisor. Educational only, not individualized advice.

10/14/2026

Will your money go further in 2027?

Social Security benefits are going up 3.6%, starting with January’s payments. That raise is built to keep up with prices, not get you ahead. And if Medicare Part B comes out of your check, the change you see may be smaller.

Your 401(k), IRA and savings don’t get an automatic raise at all. Keeping up is up to your plan.

Questions about your 2027 raise? Give us a call at (407) 210-3888. We’re here to help.

10/14/2026

Your child may already have a Trump Account. That doesn’t mean it’s set up.

The Treasury Department says automatic enrollment now covers every eligible child with a valid Social Security number. But a parent or legal guardian still has to formally activate the account, either at trumpaccounts.gov or through the program’s app.

📌 Babies who are U.S. citizens with a Social Security number and were born between January 1, 2025, and December 31, 2028, may qualify for a one-time $1,000 government contribution once the account is claimed.

A few details families are weighing: Yearly contributions are capped at $5,000, though government and charitable contributions don’t count toward that limit. The money generally can’t be touched until a child turns 18, and earnings are taxed when withdrawn. That’s a key difference from 529 accounts, which grow tax-free but are limited to education costs.

Which account fits best depends on what a family is saving for, and that’s a conversation worth having with a financial professional.

Your child may be enrolled in a “Trump Account” whether you realize it or not. Rolled out earlier this year, the Trump Accounts program allows parents to claim special investment accounts for children who are 18 years old or younger.

10/12/2026

A surprise $90 deposit is landing for some Medicare enrollees this week. For roughly 40 million others, nothing is coming.

The payments are going to people in traditional Medicare Part B, which covers doctor visits, outpatient care, and preventive screenings. Medicare Advantage enrollees, people who pay income-related premiums, and those who already receive premium assistance are not eligible. Most deposits arrive through the Social Security Administration, while some beneficiaries will get a paper check later in October labeled “Medicare Improvement Fund Payment.”

📌 The standard Part B premium is $202.90 in 2026 and is expected to reach $209.50 in 2027.

That context matters. Some analysts note the $90 helps but won’t fully offset rising premiums, and healthcare costs remain a top financial concern across age groups.

For now, the payment is a welcome bit of relief. The bigger question is how coverage costs keep pace over time.

Millions of seniors are getting $90 direct deposits from Social Security this week, prompting questions about the source of the money.

10/12/2026

If there's a gap between where you are and where you want to be financially, here's how we help clients start closing it. ✅

Swipe through four steps we walk through together: seeing the full picture, handling debt, setting a real number, and building a plan around it.

Want help doing this with your own numbers? Book a call, link in bio.

10/08/2026

Stocks finished the third quarter mixed. The S&P 500 gained 2.03%, and the Nasdaq Composite rose 2.47%, while the Dow Jones Industrial Average slipped 2.70%. Halloween is next on the calendar, with U.S. consumers expected to spend \$13.5 billion USD this year and 6.26 million Canadian children in their trick-or-treating years.

Stocks were mixed in the third quarter as economic, geopolitical, and corporate earnings news pushed the broad market higher while weighing on the Dow Industrials.

10/07/2026

Some calendars have three columns: the kids' games, Mom's doctor appointments, and "everything else."
Retirement usually ends up in "everything else."

If that sounds like your house, you're not behind.
You're just busy.

October is Financial Planning Month, so we're starting a new series: Three Generations, One Plan. Each week, we'll break down one financial planning topic for every generation of your family.

Follow along and check the link in our bio to learn more.

AllGen Financial Advisors, Inc. is a Registered Investment Advisor. Educational only, not individualized advice.

10/05/2026

Is October really the scariest month for your money?
The data might surprise you.

Have questions about your own portfolio?
Link in our bio to reach out.

10/02/2026

It's Financial Planning Month!
Swipe through three myths that quietly keep people from ever getting started, and see why they don't hold up.
Ready for an actual plan?
Book a call, link in bio.