Arizona Capital Management

10/16/2026

One of our favorite ACM traditions is almost here!

We're looking forward to welcoming clients, families, and friends back for our 5th Annual ACM Fall Festival on October 17.

It's always a great afternoon to step away from the day-to-day, spend time together, and reconnect outside the office. We're excited for an afternoon of food, fun, and time with the people who make the ACM community so special.

And, of course, our team has been busy decorating pumpkins (check out the creative ones from last year) for our annual pumpkin raffle, with proceeds benefiting ICAN.

We look forward to seeing everyone there!

10/14/2026

Generational wealth planning starts with more than deciding who gets what.

You may also be thinking about whether to help family during your lifetime, how assets should transfer later, what role a business may play, whether beneficiary choices still reflect your wishes, or how your financial plan coordinates with your estate documents.

ACM Generational Wealth helps families look at those decisions as part of a larger financial picture, while coordinating with attorneys, CPAs, and other professionals when appropriate.

Planning what you'll pass on is also about understanding what you want your wealth to mean for the people who matter to you.

Explore ACM Generational Wealth: https://www.arizonacapitalmanagement.com/generational-wealth

10/13/2026

ASRS coverage continues automatically in 2027, but non-Medicare plans are changing. Reviewing plan mapping, providers, prescriptions, and total costs now may prevent surprises later.

ASRS retiree health plans are changing for 2027. Learn what to review before automatic enrollment, including premiums, providers, prescriptions, and total costs.

10/12/2026

Having a retirement benefit is important. Knowing how it fits into your retirement is something different.

A pension, 401(k), 403(b), or 457(b) can provide an important foundation. But none of them alone answers questions like:
• What will my retirement actually cost?
• How will my income sources work together?
• When should I claim Social Security?
• How could taxes, healthcare, and inflation affect my plan?
• What happens if my retirement date changes?

The better question may not be, “Do I have a retirement benefit?”

It may be, “How will all of my resources work together to support the retirement I want?”

Our latest article explores why a pension or workplace retirement account is a starting point, not the entire retirement plan. Read it at: https://www.arizonacapitalmanagement.com/blog/a-pension-or-401k-is-a-starting-point-not-a-retirement-plan

10/09/2026

October is shaping up to be another busy month for the ACM team!

We'll be out in the community throughout the month for several CHWP Health & Benefit Shows, connecting with employees and answering questions about financial and retirement planning.

You'll find us at:
📍 October 8 | Phoenix Defense
📍 October 12 | BALZ Elementary School District
📍 October 14 | Maricopa Unified School District
📍 October 14 | Laveen Elementary School
📍 October 20 | Town of Queen Creek
📍 October 26 | Lodge at Ventana Canyon
📍 October 27 | United Cerebral Palsy of Central AZ
📍 October 29 | Bryten

If you're attending one of these events, stop by and say hello. We look forward to seeing you!

10/07/2026

Building wealth involves more than deciding where to invest.

As your income, career, or business grows, so can the number of financial decisions competing for your attention. How much should you keep in cash? Are you making the most of your workplace benefits? How should you balance retirement savings with other priorities? What changes when your compensation or business income changes?

ACM Wealth Builder brings those decisions into one financial plan, helping professionals and business owners understand what each part of their money needs to do and how those pieces may work together.

Explore ACM Wealth Builder: https://www.arizonacapitalmanagement.com/wealth-builder

09/29/2026

New federal data reveal a gap between retirement-plan access and participation. Pensions and workplace accounts matter, but readiness depends on how they fit into a complete financial plan.

New federal data highlight differences between public pensions and private retirement plans. Learn why access alone does not determine retirement readiness.

09/28/2026

Retirement decisions don't happen in isolation.

When you retire. When you claim Social Security. How you use your pension. Which accounts you draw from and when. How you prepare for healthcare costs.

Each may be a separate decision, but they can all be part of the same retirement picture.

That's why retirement planning is about more than checking off individual decisions. It's about understanding how the pieces work together and revisiting them as your life and priorities change.

A more connected view can lead to better-informed conversations about what's ahead. Schedule a meeting with us to find out how we can help you: https://acm.ceterainvestors.com/scheduling-made-easy

09/25/2026

AI can help you learn about retirement. But can it tell you when you’re ready?

AI can be a useful tool for exploring retirement concepts, comparing general approaches, and helping you identify questions you may want to ask.

What it can't fully understand is you: your complete financial picture, priorities, family considerations, pension benefits, tax situation, or how one decision may affect another.

Use technology to get informed. Then bring what you've learned, and your questions, into a conversation with a financial professional who can help you put the pieces together.

Because being informed is valuable. Understanding what that information means for you is the next step.

09/25/2026

The Fed’s latest rate increase changes the math for cash, debt, and borrowing, but it calls for a coordinated financial review, not a wholesale rewrite of a sound long-term plan.

The Fed raised rates again. Learn what higher rates may mean for retirement income, cash reserves, debt, bonds, and business borrowing.