Validus Financial Associates PLLC

08/28/2026

Quick quiz: How prepared is your family for life's unexpected turns?

These are simple questions, but they can reveal important gaps in a financial plan. Swipe through to test your family's protection preparedness, then learn more about navigating today's evolving risk landscape in our latest blog: https://www.vfateam.com/blog/the-new-risk-landscape-medical-costs-and-long-term-care-uncertainty 🛡️

08/27/2026

Every person's story includes lessons learned, valuable advice, and a few things they might do differently. As part of our People of Validus series, Bill shared some wisdom that has stayed with him throughout his life: "The best piece of advice I ever received was 'join the navy.'"

And if he could go back and tell his younger self one thing? "Do it all again, and learn to golf earlier!"

Sometimes the best advice is about embracing opportunities, enjoying the journey, and making time for the things you love. Thank you, Bill, for sharing your story with the Validus family.

08/26/2026

Many people are surprised to learn that Medicare does not cover all healthcare expenses in retirement.

With healthcare costs continuing to rise, planning for potential out-of-pocket expenses is an important part of a comprehensive retirement strategy. Understanding what Medicare covers, what it doesn't, and how those costs may impact your long-term financial goals can help you prepare for the future with greater confidence.

Read more about the growing cost of healthcare in retirement and why proactive planning matters.

Retirement healthcare costs are up 7.5% from last year, the sharpest rise in more than a decade, according to Fidelity.

08/25/2026

🌟 Meet Our Team: Marcus Luckeneder

Marcus has been passionate about business and entrepreneurship since grade school. A Mesa and Fountain Hills native, his early involvement with the Boys & Girls Club shaped his values of trust, service, and hard work.

After earning his degree from ASU’s W.P. Carey School of Business, Marcus began his financial services career in 2011. He holds Series 7, 66, Life & Health licenses, and has earned both the AAMS® and CFP® designations.

As a Private Wealth Advisor, Marcus is dedicated to helping clients build personalized, long-term financial strategies with clarity and confidence.

08/24/2026

Many families don't think about long-term care until a health event forces the conversation. By planning ahead, individuals may have more flexibility when evaluating coverage options, funding strategies, and potential care needs.

A proactive approach today can help protect both your finances and your family tomorrow.

08/21/2026

Many adults today find themselves balancing two important responsibilities at once: supporting their children while helping care for aging parents.

For the "sandwich generation," the costs often extend beyond finances. Time, energy, and long-term planning all play a role as families navigate competing priorities and unexpected life changes. Preparing for these challenges can be an important part of building a financial strategy that supports both current and future needs.

Read more about the realities facing today's sandwich generation in this insightful article from Forbes.

Members of the sandwich generation report it can consume hours, while limiting career choices and retirement savings. Tax breaks may cover only a fraction of the cost.

08/20/2026

One of the most rewarding parts of what we do is seeing our clients enjoy the retirement they've worked so hard to achieve.

When asked about his favorite part of retirement, Bill didn't hesitate: "Golfing and Grands!"

He's also embraced the opportunity to travel, sharing that some of his favorite retirement adventures have included Alaska, Calgary, British Columbia, Montana, Myrtle Beach, Palm Springs, and Cabo... with many more destinations still on the list.

Thank you for sharing your retirement journey with us, Bill!

08/19/2026

Markets can influence your portfolio, but healthcare costs, long-term care needs, and other real-life risks can have an impact on your financial plan, too.

Our Weekly Market Commentary provides timely insights on the market environment while helping you stay focused on your long-term goals. Catch up on the latest commentary and stay informed: https://www.vfateam.com/weekly-market-commentary-kf26a

08/17/2026

Is your protection strategy keeping up with your life?

As families grow and financial responsibilities evolve, gaps in coverage can sometimes emerge without us realizing it. Reviewing your plan regularly can help ensure you're prepared for both expected milestones and unexpected challenges.

Swipe to learn about a few risks modern families may overlook, then read our latest blog on navigating medical cost inflation and long-term care uncertainty: https://www.vfateam.com/blog/the-new-risk-landscape-medical-costs-and-long-term-care-uncertainty🛡️

08/13/2026

At Validus, we believe every retirement story is built on a lifetime of experiences, hard work, and lessons learned along the way. Through our People of Validus series, we're proud to highlight the individuals behind those stories.

"My first job was working at a gas station pumping gas. I made maybe $5 per hour, and my family friends owned the station. My first car was a '65 VW Bug. It was free, because it was from my father."

From humble beginnings to a fulfilling retirement, Bill's journey is a reminder that many of life's greatest memories start with simple opportunities and a strong work ethic.

Thank you for sharing your story, Bill.