JMB Financial Managers, Inc.

09/09/2026

Most families think they have until next June to file the FAFSA.

For a lot of state and school aid, that's already too late.

FAFSA for the 2027-28 school year is set to open on October 1.

The federal deadline runs through June 30, 2028, but most states and colleges set their own deadlines, some as early as January, and aid is often awarded on a first-come, first-served basis.

File in October, and you're near the front of the line. Wait until spring, and the aid you were counting on may already be spoken for.

Tip: Create your FSA ID at StudentAid.gov before October 1 arrives, ahead of the day-one rush.

If you have a student applying to college this year, make a note in your calendar.

And as you prepare for college costs, read our blog for more ideas on planning and paying for college: https://tinyurl.com/btes74mr

Sources: ED.gov (2026) and SavingforCollege.com (2026)

09/07/2026

A long weekend gives us space to step back from work and reflect on the life we are building.

We honor the work our clients have done to build what they have. And we help make sure it actually serves their lives.

Wishing you and your family a relaxing and enjoyable Labor Day weekend.

09/04/2026

Football season is almost here, and all 32 NFL teams are bringing something new to the field.
From offseason moves and fresh faces to shifting expectations across every division, there’s no shortage of storylines heading into 2026.

The season opens with the New England Patriots facing the Seattle Seahawks in a Super Bowl 60 rematch, and that’s just the beginning.

Whether you’re following your hometown team, setting a fantasy lineup, or just counting down to Sundays on the couch, now’s a great time to catch up on what changed during the offseason.

Which team are you watching most closely this season? Read More: https://www.nbcnews.com/sports/nfl/nfl-kickoff-season-preview-2026-all-teams-rcna594317?utm_medium=email&_hsenc=p2ANqtz--fxXDRcbCmcS_57KrQb20PmVJgsQu__HL8aDwYgHNprywomNTKEoiCX0-P-w3olJTnxnyAuHgtw2k0BBwfM_4_YTPUlUxBzPFlgiEE5A-QXnCCO8A&_hsmi=436734371&utm_content=435440527&utm_source=hs_email

09/04/2026

Football season is almost here, and all 32 NFL teams are bringing something new to the field.

From offseason moves and fresh faces to shifting expectations across every division, there’s no shortage of storylines heading into 2026.

The season opens with the New England Patriots facing the Seattle Seahawks in a Super Bowl 60 rematch, and that’s just the beginning.

Whether you’re following your hometown team, setting a fantasy lineup, or just counting down to Sundays on the couch, now’s a great time to catch up on what changed during the offseason.

Which team are you watching most closely this season?

NBC Sports has 32 team previews full of stats, storylines and projections that could shape your favorite team’s season.

08/28/2026

There is usually no single moment when the roles begin to shift.

It may be a confusing medical bill. A missed payment. A scam text they almost clicked. For many adult children, that is when concern quietly becomes responsibility.

Our latest blog offers a roadmap for navigating finances, estate documents, long-term care, and other important conversations with aging parents.

Read more: https://www.jmbfinancialmanagers.com/blog/when-your-parents-need-you-be-adult?utm_medium=email&utm_source=sharpspring

08/27/2026

Two retirees can earn the same average return and have very different outcomes.

Why?
Because in retirement, timing matters.

An early market downturn in retirement can be more damaging than the same downturn later.

That is the sequence-of-returns risk. The risk is not simply “the market went down.” It’s “the market went down while income still had to come out.”

A strong retirement strategy should look beyond average returns and address:
- Where income will come from
- How much cash or short-term reserves make sense
- Which accounts to draw from first
- When to rebalance
- How RMDs and Social Security fit into the withdrawal strategy
Sequence-of-returns risk does not make many headlines.

But for anyone entering retirement, it can be one of the most important ideas to understand.

The goal is not to predict the next downturn. It’s about being prepared.

https://www.schwab.com/learn/story/timing-matters-understanding-sequence-returns-risk

08/26/2026

Many couples assume they are on the same page about retirement until the details come up.

One partner may be thinking about downsizing or moving somewhere warmer. The other may assume they are staying close to family. One may be ready to leave work behind. The other may still need structure, purpose, or more time to prepare.

A strong retirement strategy should account for both the financial plan and the life you are planning to live together. Read or article: https://tinyurl.com/ypknfkdc

08/25/2026

Own a vacation home in another state? Your estate strategy might have a blind spot.

Estate and inheritance taxes can follow the property, not just where you live.

For example, a Florida resident with a vacation home in Vermont wouldn't owe Florida estate tax because Florida doesn't have one. However, Vermont's $5 million estate tax exemption and 16% flat estate tax rate could still apply to that property.

If you own real estate outside your home state, it's worth understanding how that state's rules could affect your estate strategy.
https://jmbfinmgrs.advisorwebsite.com/blog/does-new-tax-law-impact-your-estate-strategy

08/19/2026

We are in the middle of the largest generational wealth transfer in American history. That means more families will face a moment that sounds simple on paper but is often complicated in real life:

What do we do with this money?

For some, the answer comes after the loss of a parent or loved one. For others, it follows the sale of a business or another major liquidity event. Either way, the decisions made early can affect retirement, family relationships, taxes, giving, and long-term legacy.

That is why preparation matters.

If you may receive a windfall someday, or if you are planning to leave assets to the next generation, the conversation is worth having before the money changes hands. Our blog looks at how to approach a windfall with more clarity, structure, and intention. https://tinyurl.com/mwh25mxr

08/17/2026

Your plan to save for retirement should involve more than your company’s 401(k) plan. Learn how you can think more broadly about your retirement here. https://tinyurl.com/yeym23ne