Apprise Wealth Management

10/20/2026

Where should you keep money you're saving for something important?

Maybe it's a down payment on a home, tuition, or a trip you've been looking forward to.

If you'll need the money soon, keeping it invested in the stock market can create unnecessary risk.

A market decline could force you to change your plans, even if you've already saved enough.

Fortunately, you can keep short-term cash in places that still earn interest.

I've updated my article comparing five options: high-yield savings accounts, money market deposit accounts, money market mutual funds, CDs, and Treasury bills.

I also explain why the highest interest rate isn't always the best choice. Taxes, ease of access, and convenience can all influence your decision.

Read the updated article: 5 Places to Park Cash Held for Short-Term Needs

What are the best places to park cash for short-term needs? Compare savings accounts, money market funds, CDs, and Treasury bills, including risks and taxes.

10/18/2026

What will you learn on October 21?

AI scams are getting more convincing. But protecting yourself doesn't require becoming a cybersecurity expert.

On Wednesday, cybersecurity expert Robert Siciliano and I will discuss practical ways to:

• recognize when urgency is being used against you
• verify suspicious financial or family requests
• respond to voice cloning and deepfakes
• strengthen passwords and account security
• make yourself a harder target for fraud

Protecting Your Wealth in the Age of AI: Practical Strategies Against Digital Fraud

Wednesday, October 21
7 p.m. Eastern
Live on Zoom

https://buff.ly/4KzJH8T

Please feel free to share this with someone who might find the conversation helpful.

10/18/2026

How many passwords do you have?

If the answer is “too many to remember,” you’re probably right.

Strong, unique passwords can help protect your accounts. Trying to remember them all yourself can make good cybersecurity practices harder than they need to be.

In this short video [https://buff.ly/NO4vym7], Robert Siciliano explains how the right tools can simplify password management.

We’re now just a few days away from:

Protecting Your Wealth in the Age of AI: Practical Strategies Against Digital Fraud

Wednesday, October 21
7 p.m. Eastern
Live on Zoom

We’ll discuss passwords, AI-enabled fraud, the human behaviors scammers exploit, and practical ways to reduce your vulnerability.

Register here:
https://buff.ly/MQ4Wv4H

Managing Passwords is EASY With the Right ToolsIn this video, we ...

10/13/2026

When you think about retirement, what concerns you most?

For many women, it's whether they'll have enough money to last throughout retirement.

That's an important concern. But I also think we need to ask another question:

What do you want your retirement to look like?

After years of saving and working, retirement gives you the chance to spend more time on what matters most.

That might mean traveling, pursuing a hobby, moving somewhere different, or simply enjoying more time with people you care about.

In my updated blog, I discuss nine important decisions for single women approaching retirement, including Social Security, taxes, investing, healthcare, and the value of building flexibility into your plan.

Financial security matters. So does enjoying the life you've worked to build.

Read the blog:

Retirement planning for single women involves more than saving. Explore 9 key decisions about Social Security, taxes, investing, and life planning.

10/11/2026

Would you trust a phone call if the voice sounded exactly like someone you know?

That question is becoming harder to answer.

AI voice cloning and deepfakes can give scammers new ways to make fraudulent requests feel real.

The answer isn’t to distrust everything. It’s to know when to stop, verify, and confirm what you’re being told in another way.

Cybersecurity expert Robert Siciliano and I discuss how AI is changing the fraud landscape in this short video.

Then join us live on October 21 at 7 p.m. Eastern for:

Protecting Your Wealth in the Age of AI: Practical Strategies Against Digital Fraud

Register here:
https://buff.ly/MQ4Wv4H

10/06/2026

Retirement may end your paycheck, but it doesn’t end your tax bill.

What changes is where your money comes from.

Social Security, traditional retirement accounts, Roth accounts, pensions, brokerage accounts, and HSAs can all receive different tax treatment.

That means knowing how much you have saved is only part of retirement planning.

You also want to understand how much of what you withdraw you will actually have available to spend after taxes.

I recently updated How Is Retirement Income Taxed?

Read the article:

Learn how taxes on retirement income apply to Social Security, IRAs, pensions, brokerage accounts, Roth accounts, HSAs, and home sales.

09/29/2026

Would you recognize a scam if the voice sounded exactly like someone you know?

AI scams can make familiar fraud tactics more convincing through voice cloning, deepfakes, and personalized messages.

But technology is only part of the problem.

Scammers also rely on trust, urgency, fear, and our natural tendency to respond when someone appears to need help.

Cybersecurity expert Robert Siciliano and I wrote about four practical ways to reduce digital fraud risk, including what to do before acting on an unexpected financial request.

The goal isn’t to distrust everything. It’s to know when to slow down and verify.

Read the new blog:

AI scams are becoming more convincing. Learn four practical ways to verify requests, strengthen accounts, and reduce digital fraud risk.

09/27/2026

When it comes to cybersecurity, technology matters.

So do our reactions.

Scammers often use urgency, fear, trust, or distraction to get us to act before we stop and think.

Cybersecurity expert Robert Siciliano calls the habits that can help us resist those tactics our Strategic Human Firewall™.

In this short video, Robert explains what that means.

Join Robert and me on October 21 at 7 p.m. Eastern for:

Protecting Your Wealth in the Age of AI: Practical Strategies Against Digital Fraud

We’ll discuss practical ways to recognize deception and make ourselves harder targets.

Register here:
https://buff.ly/MQ4Wv4H

09/22/2026

Keeping something is still a decision.

Keeping something can feel like doing nothing. But it isn’t.

You already own the stock. You already have the house. You already own the business. So keeping it feels like the default. Selling it feels like the decision. But both are decisions.

One way to challenge that bias is something financial planner Carl Richards calls the Overnight Test:

Suppose you sold it today. You wake up tomorrow with the cash.

Would you buy it back?

A no doesn’t necessarily mean you should sell. A yes doesn’t necessarily mean you should keep everything exactly as it is.

The value of the question is that it forces you to reconsider the status quo.

Maybe the better question becomes:

Why wouldn’t I buy it today?

Or:

Would I buy this much?

Or simply:

If I wouldn’t choose it today, why am I still choosing it?

In this week’s newsletter, I explore the Overnight Test and how it applies to investments, businesses, homes, sentimental possessions, and even purchases you haven’t made yet.

Read the newsletter here:

Use the Overnight Test to make better financial decisions about stocks, businesses, homes, inherited assets, and everyday purchases.

09/20/2026

Artificial intelligence is making fraud more sophisticated, targeted, and personal.

Voice cloning, deepfakes, and identity spoofing can make fraudulent requests increasingly convincing and harder to recognize.

On Wednesday, October 21 at 7 p.m. Eastern, I’m hosting cybersecurity expert Robert Siciliano for a live Zoom event:

Protecting Your Wealth in the Age of AI: Practical Strategies Against Digital Fraud

We’ll discuss how today’s scams are evolving and practical ways to recognize deception, verify suspicious requests, and reduce your vulnerability.

The event is open to Apprise clients, friends of the firm, and friends and family members who might benefit.

Register here:
https://buff.ly/MQ4Wv4H