Kobo Wealth Strategies

06/02/2026

Did you know? A recent study by financial guru Roger Ibbotson and Zebra Capital Management found that fixed indexed annuities (FIAs) can help control financial market risk and mitigate longevity risk. Contact me and we can see if an FIA is right for you.

06/01/2026

New Jersey business owners: If you hit 10-15 employees, the state's retirement clock is ticking. But defaulting into the state-run plan might mean leaving thousands of dollars in federal tax credits on the table.

New Jersey business owners: If you hit 10-15 employees, the state's retirement clock is ticking. But defaulting into the state-run plan might mean leaving thousands of dollars in federal tax credits on the table. Here is how to turn a legal mandate into a strategic business win.

05/29/2026

Planning for their future starts today.

A 529 education savings plan is a simple, tax-advantaged way to invest in your child’s education — whether it’s college, trade school, or beyond.

The earlier you start, the more time your money has to grow. Even small contributions can make a big impact over time.

Because their dreams deserve a plan. 🎓

05/28/2026

May is one of those months where people start realizing the year is moving FAST. Summer plans are coming up, vacations are getting booked, weddings, camps, events — and spending tends to quietly increase.

Before summer starts, it’s a good time to ask:
Are you spending intentionally, or just reacting to what’s coming up?

Financial wellness isn’t only about investing or retirement planning. Sometimes it’s simply being prepared before the busy seasons hit.

05/27/2026

Join Kobo Wealth Strategies for our interactive Financial Advisor Career Workshop — a 4-day summer experience designed for high school students interested in finance, business, entrepreneurship, sales, and networking.

Students will explore:
• Real-world financial planning
• Budgeting & investing
• Relationship-building skills
• Hands-on activities & case studies
• Career paths in wealth management

Scan the QR code to apply today!
(Only 10 spots remain!)

05/25/2026

The goal isn’t just to protect today’s paycheck. It’s to help protect your long-term financial future and the lifestyle you’ve built along the way.

Your income powers your goals — make sure it’s protected.

05/22/2026

The U.S. Treasury yield curve has moved toward a more traditional, upward-sloping shape, with intermediate and long-term rates pricing in persistent inflation and an elevated term premium. In other words, longer term yields are higher than shorter term yields. But what does that mean for you as an investor?

1. For clients currently in or approaching the distribution phase of retirement, you may want to consider how this affects future income streams in retirement. We can discuss that with you.
2. It might makes sense to do a critical review of your excess cash reserves you've built up recently.
3. This environment strongly favors a disciplined, active approach to portfolio construction. We can help you understand what that actually means and how to get there.

If you have any questions about this, setting up a meeting with us is typically a great first step. Visit www.kobowealthstrategies.com and click to book time.

05/18/2026

Most people don’t realize that employer or government disability benefits may not be enough to fully cover their lifestyle if they’re unable to work.

That’s why individual disability insurance matters — it helps protect your income, your future, and the life you’ve worked hard to build.

Because your ability to earn is one of your greatest financial assets.

05/15/2026

Seniors are often targeted for fraud due to their vulnerability and perceived wealth, with an average financial loss per victim of $120,000. Sadly, family members steal twice as much money as strangers. Let’s commit to protecting our elderly loved ones.

05/14/2026

One of the biggest misconceptions about disability insurance is that it can wait.

In reality, coverage typically becomes more expensive as you get older. Securing a policy earlier can help you lock in lower rates.

Planning ahead today can make protecting your future a lot easier tomorrow.