Schroeder Wealth Advisors

09/07/2026

Markets pushed higher in August as AI-driven optimism helped investors look past softer economic data. The S&P 500 gained 2.62% and the S&P/TSX Composite rose 2.96%, even as softening retail sales kept consumer spending in focus. Back-to-school season adds another data point to that story, with spending expected to reach \$146.8 billion in the U.S. and \$4.5 billion in Canada this year.

The Standard & Poor’s 500 Index advanced 2.62 percent, while the Nasdaq Composite rose 3.93 percent. The Dow Jones Industrial Average lagged, adding 1.34 percent. The S&P/TSX rose 2.96 percent.1,2

09/07/2026

"Follow your passion, be prepared to work hard and sacrifice, and, above all, don't let anyone limit your dreams." (Donovan Bailey) Today, we celebrate your hard work, sacrifice, and dreams. Happy Labor Day!

09/04/2026

Changes to Make Today to Finish the 2026 Tax Year

There is still time to make critical adjustments to your portfolio for the remainder of 2026! As we enter fall it’s a good time to check in on your portfolio, specifically to:

•Review your income – are you seeking to stay under a certain level of income for the new OBBBA thresholds introduced last year? The OBBBA has many deductions and phaseouts at various income levels, which can be difficult to navigate

•As does Medicare! Your Medicare part B and D premiums are determined by your income two years ago. So starting at age 63 many of us will need to pay more attention to our recognized income in relation to our healthcare costs.

•Keep in mind that the gains from your portfolio also influence both calculations listed above! If your gains are higher than expected are there any losses that you could incur to offset?

•Rebalance any sectors that have drifted out of tolerance – it’s been a great year in the markets and it may be time to take some of your profits off the table!

Being on top of your finances now can help avoid a tax surprise in the future! Bringing in a trusted professional can direct your awareness to opportunities and pitfalls, enhance your results, and serve as a sounding board for your plans. Need help building out your team? See our post from earlier this year about finding the right professional for you:
https://www.facebook.com/photo?fbid=966673612354133&set=a.210358611318974

09/01/2026

SAVE THE DATE! 📅

We’re excited to announce our 2026 Day of Service with Montgomery County Food Bank!

Mark your calendars for October 23rd at 1:00 PM and join us as we come together to give back to our community and make a difference.

More information is coming soon, including details on how to register to join us!

We hope to see you there! 💙

08/28/2026

Use this checklist to build a realistic estimate of the total cost of attending college:

✅ Estimate room and board (on-campus or off-campus housing).
✅ Budget for books, supplies, and technology (laptop, software, etc.).
✅ Include transportation costs (gas, flights, parking, public transit).
✅ Account for personal and miscellaneous expenses.
✅ Consider health insurance and medical costs, if applicable.
✅ Factor in annual increases in college costs due to inflation.
✅ Subtract expected scholarships, grants, and financial aid.
✅ Estimate your family's out-of-pocket contribution.
✅ Develop a savings and funding plan to cover any remaining costs.

https://www.schroederwealthadvisors.com/resource-center/investment/estimating-the-cost-of-college

08/21/2026

Financial aid helps students pay for college through grants, scholarships, work-study programs, and student loans. The first step is completing the FAFSA (Free Application for Federal Student Aid), which determines eligibility for federal, state, and some school-based aid. Grants and scholarships generally do not need to be repaid, while loans must be repaid with interest. Students should apply early, compare aid offers from different schools, and borrow only what is necessary. Understanding financial aid options can help families reduce out-of-pocket college costs and make more informed education funding decisions
https://www.schroederwealthadvisors.com/resource-center/lifestyle/financial-aid-for-students-101

08/14/2026

Managing student loan debt starts with understanding your loans and choosing a repayment strategy that fits your financial situation. Prioritize higher-interest debt, make extra payments when possible, explore refinancing or federal repayment options if appropriate, and take advantage of employer benefits or loan forgiveness programs when eligible. By staying organized and making consistent payments, you can reduce debt while continuing to work toward other long-term financial goals, such as saving for retirement and building wealth.

https://www.schroederwealthadvisors.com/resource-center/money/strategies-for-managing-student-loan-debt

08/12/2026

Markets navigated mixed signals in July. Inflation eased, tech faced pressure, and energy surged. Meanwhile, Americans are planning record travel spending in 2026: \$1.37 trillion. What's shaping your household budget this summer?

Stocks were mixed in July as investors navigated a cross-current of news on the outlook for AI spending and Q2 corporate reports.

08/11/2026

Nothing brings people together quite like a little friendly competition and great company! 🎯
Our 2026 Client Shooting Event was the perfect mix of fun, friendly competition, and plenty of laughs. From the best shots to the best memories, we had a great time spending the afternoon with our clients and friends!

Here’s a look at some of the highlights from a day we won’t soon forget. 📸

Who’s ready for the next one? 🎯

08/07/2026

Sending a child to college is an exciting milestone that brings new opportunities, independence, and personal growth for both students and parents. While it can be an emotional transition, thoughtful planning can help make the experience rewarding and less stressful.
https://www.schroederwealthadvisors.com/resource-center/lifestyle/a-cheat-sheet-for-sending-your-kid-to-college