Opus 111 Group, LLC

10/14/2026

About 70% of people turning 65 will need long-term care, and the costs can quietly erode the inheritance you hope to leave behind. Here’s how to prepare for care while keeping your broader financial goals in view:
Know the real costs: Nursing home care can top $114,000 a year, while in-home care averages about $80,000, potentially reshaping your savings plan quickly.
Build a funding strategy: HSAs, long-term care insurance, retirement income, and other assets can all play a role in covering care costs.
Talk to your family early: Nearly 2 in 5 families have never discussed inheritance plans. Having that conversation now can help avoid confusion later.
See how long-term care could affect your estate plan: https://bit.ly/3VqcfLB

Long-term care costs can reduce the inheritance you leave your children. Learn how to prepare for care while protecting your retirement and estate plans.

10/13/2026

🔍 With 30 plus years in the industry and a passion for creating plans that work, I’m committed to helping business owners create 401(k) plans that they can be proud to sponsor for their employees.

Learn how my extensive experience and unique journey can benefit your team in this short video.

Ready to build something great? Connect with me in the link in the comments.

10/12/2026

Ever hand your teen a credit card “for emergencies” and hope for the best? One Gen Xer’s college spending mistakes show that kids can’t learn money skills from silence.
Make money talks normal: Discuss spending, saving, and giving openly, and let your own choices set an example.
Teach in small doses: Share lessons as real situations come up and ask questions to see what they truly understand.
Set guardrails, then let them stumble: Spell out expectations before lending money and turn missteps into chances to brainstorm solutions together.
Start building stronger money habits at home with these practical tips: https://bit.ly/4hqY5Bu

Clear guidance and real-life lessons can support better financial decisions

10/09/2026

Hey, Spokane, if you tune in tomorrow at 10am for this week's Wealth Intelligence Report, you'll miss it! Due to Idaho Vandals football coverage, we're being moved up to 8am tomorrow morning on Spokane's News. Spokane's talk. And remember, you can always stream the show live at https://cstu.io/c76105 , ,

09/30/2026

A new study revealed a link between financial troubles and early-stage dementia. Researchers found debt accumulation and credit score drops can occur up to five years before an Alzheimer's diagnosis. Learn how to protect your aging loved ones' finances: https://bit.ly/3RExRiJ

09/28/2026

$124 trillion is expected to change hands between generations by 2048, but many families aren’t waiting to pass it on. Some parents are giving now, and pairing that help with lessons on saving and investing. See how families are approaching inheritance: https://bit.ly/4xQSScU

Kiplinger is exploring the Trillion Dollar Talk. Join us to see what we've found and how we can help you.

09/23/2026

When it comes to retirement planning, there isn’t a one-size-fits-all approach. Learn about new research that shows how generations differ in their attitudes about retirement, and how those differences should shape financial planning: https://bit.ly/3UhuYXf

Differing generational expectations about when to retire are placing an increased focus on personalized investment strategies.

09/21/2026

Don't invest by the calendar. Invest by the facts.

09/17/2026

Workers are speaking far fewer words a day than they did 15 years ago, and that shift may be affecting workplace connection. Small talk, check-ins, and live discussions can help build trust that an online chat may miss. See why real conversation matters: https://bit.ly/4xUzWKs

For companies, this trend has important implications.

09/17/2026

Rolling your 401(k) into an IRA might feel routine, but it can be a decision that’s difficult to undo. Check these things first:
💰 Compare the fees: IRA investments can sometimes cost more than funds in a workplace plan, and even small differences can add up to tens of thousands of dollars over time.
🔒 Know what you’re giving up: Once money leaves an old 401(k), you may not be able to move it back, even though keeping it in the former employer’s plan is often an option.
🎯 Compare the trade-offs: IRAs may offer more investment choices and withdrawal flexibility, while 401(k)s can offer lower-cost funds, loans, and added protections.
See what to weigh before moving your retirement savings: https://cstu.io/c0bacc

Rollovers from 401(k)-type plans to IRAs are growing more common. But there are pros and cons.