Arroyo Investment Group

10/18/2026

📱 Only 20% of investment advice on social media tells you who is paying for it.

Schwab published a piece this month worth passing along.

The numbers:

▪️ 20% of social media posts containing an actual investment recommendation included any disclosure at all, per the CFA Institute. No mention of commissions, affiliate deals, or what the poster stood to gain.

▪️ 72% of Gen Z rely on social media and the internet for financial advice. For millennials it is 57%, and for boomers 19%.

▪️ Dead last. Where most Americans rank social media among sources of financial advice, even while more of them use it.

Not all of this content is bad. Plenty of it is thoughtful and some of it comes from credentialed people. The problem is that on a screen, good advice and bad advice look identical, and the bad advice usually has a better hook.

The questions Schwab suggests asking are the right ones. What does this person get if I follow their advice? Do they hold any real credentials? Does this fit my situation or only theirs? And what would someone who disagrees say?

That last question is the hardest, because it is far more comfortable to keep reading the people who already agree with you.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

Source: Charles Schwab, “Social Media and Your Money: Follow with Caution,” October 9, 2026. Generational reliance and source ranking data per the Schwab Modern Wealth Survey. Disclosure statistic per the CFA Institute. CERTIFIED FINANCIAL PLANNER® and CFP® are certification marks owned by Certified Financial Planner Board of Standards, Inc. Arroyo Investment Group, LLC is a registered investment adviser. Registration does not imply a certain level of skill or training. This material is for informational purposes only and does not constitute investment advice.

10/18/2026

The question is not only whether you can retire early.

It is whether your plan can handle whatever comes next.

Learn how to prepare for both opportunity and risk.

Read the full article: Can Your Financial Plan Handle an Early Retirement? ▸ https://lttr.ai/AuLpU

10/17/2026

🔍 "If financial advice worked for someone else, it should work for me too."

CFP Board poses that as a true-or-false question during National Financial Planning Month. The answer is false, and understanding why is most of the work.

Advice that helped a friend may have been perfectly sound. It simply was not built for your income, tax bracket, timeline, risk tolerance, or what you already hold. As CFP Board frames it, financial decisions are personal, and the factors behind them differ from person to person.

Three questions tend to surface the mismatch:
▪️ Who is giving this, and how are they compensated? Commission-based advice carries a different incentive than fee-only advice.
▪️ Does it fit my situation, or theirs?
▪️ What is being left out? Upside with no tradeoff is an incomplete picture.

The same instinct protects against fraud, and CFP Board's research suggests it is in short supply:
▪️ 37% are confident they could identify every form of financial fraud.
▪️ 29% are unsure they could detect any attempt.
▪️ 55% expect they or someone close to them will be targeted within twelve months.
Evaluating advice and spotting a scam are the same skill. Both start with asking who is telling you this, and why.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

Sources: CFP Board, "Don't Fall For It: Guarding Against Financial Fraud," and National Financial Planning Month 2026 materials. CERTIFIED FINANCIAL PLANNER® and CFP® are certification marks owned by Certified Financial Planner Board of Standards, Inc. Arroyo Investment Group, LLC is a registered investment adviser. Registration does not imply a certain level of skill or training. This material is for informational purposes only and does not constitute investment, tax, or legal advice.

10/17/2026

Managing your own investments can feel empowering, but it may expose your money to more risk than you realize. Find out what to consider before deciding whether to keep doing it yourself or hire an advisor.
https://lttr.ai/AuKUM

10/16/2026

Your pension deserves the same attention as your investment accounts. 🏢

Pension records provide clarity on vesting, eligibility and benefit amounts, and they let you name a beneficiary so your heirs can access the asset without unnecessary delay. If it's been a while since you reviewed yours, now is a good time.

Arroyo Investment Group helps clients keep every retirement asset organized and current.

10/16/2026

Choosing an investment manager? Don’t rely solely on a good presentation.

https://arroyoinvestmentgroup.com/gips-guide-for-investors/

10/15/2026

📄 Your will does not control most of your retirement accounts.

Beneficiary designations on retirement accounts, life insurance, and annuities pass outside of a will. The named beneficiary generally receives the asset regardless of what other estate documents say.

This causes real problems when designations go stale:
▪️ A former spouse remains named years after a divorce, and the designation controls.
▪️ No contingent beneficiary is listed, so the asset defaults to the estate and into probate.
▪️ A minor child is named directly, which often requires court involvement rather than the intended outcome.
▪️ An old employer plan is forgotten, still holding a designation made at hire.
▪️ A trust is named without coordination, which can accelerate the distribution timeline for inherited retirement accounts.

A review takes a few minutes per account and costs nothing. It is the highest-value, lowest-effort item on any year-end list, and the most frequently skipped.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

This material is for informational purposes only and does not constitute legal, tax, or investment advice. Beneficiary designation rules and the treatment of trusts as beneficiaries vary by account type and state law. Please consult a qualified estate planning attorney regarding your individual circumstances.

Financial planning, investment management & GIPS® compliant reporting by CFP® professionals. No commissions, accountable to you. Nationwide.

10/15/2026

🏥 Medicare Open Enrollment opens today and closes December 7th.

Plans change their formularies, networks, and premiums every year, which means a plan that fit well this year may not next year. The change happens quietly unless someone checks.

What can change during this window:

▪️ Original Medicare to Medicare Advantage, or the reverse.

▪️ One Medicare Advantage plan to another.

▪️ Part D drug coverage, added, dropped, or switched.

▪️ January 1st. When anything elected during this window takes effect.

▪️ January 1st through March 31st. A second window for those already in a Medicare Advantage plan to switch plans or return to Original Medicare.

What to compare before deciding: covered prescriptions and their costs, whether your doctors remain in network, total expected cost rather than premium alone, and coverage while traveling, since Original Medicare generally does not cover care outside the U.S.

One item that often surprises people: Medicare premiums are income-based, and the calculation looks back two years. Roth conversions, realized capital gains, and required distributions made today can affect premiums later, which is where Medicare decisions intersect with broader financial planning.

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com

Sources: Medicare Open Enrollment dates, permitted plan changes, and effective dates per Medicare.gov. Medicare Advantage Open Enrollment Period dates and plan comparison considerations per Humana, "Medicare Open Enrollment." Income-related monthly adjustment amounts are determined by the Social Security Administration using tax return data from two years prior. Arroyo Investment Group, LLC does not sell insurance products or Medicare plans. Arroyo Investment Group, LLC is a registered investment adviser. Registration does not imply a certain level of skill or training. This material is for informational purposes only and does not constitute insurance, tax, or investment advice.

10/15/2026

Family wealth rarely disappears overnight.

More often, it fades through unanswered questions and too little preparation.

Read more 👉 https://lttr.ai/AuJ5E

10/14/2026

📋 When did you last review your estate plan?

Life changes quickly. A child graduates, a grandchild is born, a spouse retires, assets grow, tax laws shift. Any of these can make an estate plan that was perfectly designed a few years ago no longer optimal today.

At Arroyo Investment Group, we help clients think about estate planning as an ongoing process, not a one-time event. That means making sure your will, trust, beneficiary designations, and powers of attorney reflect where your life is right now, not where it was when you last signed those documents.

If you have not reviewed your estate plan recently, fall is the perfect time to start that conversation.

👉 https://arroyoinvestmentgroup.com/pasadena-financial-advisors/

📞 626-844-1441
📧 [email protected]
🌐 www.arroyoinvestmentgroup.com