Evans Wealth Planning

10/16/2026

Plot twist of the week: the 10-year yield actually went down.

While the headlines were doing their usual thing:

• AI stocks decided to have an existential crisis (chipmakers really said “we need a minute”)
• Oil kept acting like it got invited to every conflict because “energy ceasefire” was apparently just a suggestion
• The IMF gently reminded everyone the economy’s safety net has a few holes in it

…the 10-year Treasury yield quietly declined.

Bond investors got a little treat. Mortgage rates got a tiny bit less painful. And the people with diversified portfolios got to watch the chaos from a more comfortable chair.

Your emergency fund still doesn’t care about any of this. It’s just sitting there, unbothered, collecting its boring little interest while the rest of the world debates ceasefires and chip shortages.

Silver lining: lower yields are a nice reminder that not every headline is a five-alarm fire for your plan. Sometimes the boring stuff works exactly when the exciting stuff doesn’t.

What’s the most “unexpectedly fine” part of your portfolio this week?

10/16/2026

What would you do if your beloved dog caused some damage where a mere apology wasn’t enough?

Reviewing coverage options is just one thing responsible pet parents can do to help look out for their dogs.

10/14/2026

Creating a home inventory can help you fully recover any property losses you incur. Include these four things.

Creating an inventory of your possessions can save you time, money and aggravation in the event you someday suffer losses.

10/12/2026

A will may be only one of the documents you need—and one of the factors you should consider—when it comes to managing your estate.

10/09/2026

Wondering what to tell your financial pro? Check out this quick video for guidance!

10/08/2026

Stocks finished the third quarter mixed. The S&P 500 gained 2.03%, and the Nasdaq Composite rose 2.47%, while the Dow Jones Industrial Average slipped 2.70%. Halloween is next on the calendar, with U.S. consumers expected to spend \$13.5 billion USD this year and 6.26 million Canadian children in their trick-or-treating years.

Stocks were mixed in the third quarter as economic, geopolitical, and corporate earnings news pushed the broad market higher while weighing on the Dow Industrials.

10/07/2026

Realtors love to say “date the rate, marry the house.”

Cute line. Terrible financial plan.

Dating the rate assumes you’ll refinance later. That only works if rates drop, you still qualify, closing costs don’t eat up your savings, and you don’t become house-rich and cash-poor in the meantime.

Rates can stay here. They can go higher. The Fed does not text you a save-the-date.

So marry both.

Marry the house and the payment. If the only way the numbers work is “we’ll refinance when rates come down,” you didn’t buy a home. You bought a hope with granite countertops.

Buy the house you can actually afford at today’s rates. Keep some cash for life, vacations, and the water heater that will betray you in three years. If rates fall later, refinance and throw a party. If they don’t, you’re still solvent.

Your realtor gets paid when you close. Your future self gets paid when you can still afford groceries.

Don’t date the rate. Don’t marry a payment you can’t live with. Marry the math.

10/07/2026

Considering alternative investments? It’s critical to sort through the complexity.

With alternative investments, it’s critical to sort through the complexity.

10/05/2026

Learn more about whether you need to pay estimated taxes.

Have income that isn’t subject to tax withholding? Or insufficient withholdings? You may have to pay estimated taxes.

10/02/2026

Why save your bucket list for later? Find fulfillment and adventure by experiencing your bucket list items today.

Bucket lists don’t have to be for tomorrow.