Victor M. Folayan, Financial Advisor at Kinnect Advisors

06/22/2026

Mid-year may be an ideal time to set (or reset) your financial goals. In fact, the middle of the year is often viewed as a natural inflection point for evaluating progress toward current goals or the need for course correction. Read more in the latest issue of Financial Watch here:

Mid-year may be an ideal time to set (or reset) your financial goals. In fact, the middle of the year is often viewed as a natural inflection point for…

06/15/2026

If your kids are starting a summer job, why not look into a Custodial Roth account? Talk to your kids about how they can get started with tax-advantaged savings. Whether they put money in the account or you get it started for them with a gift, it’s a good way to start a great habit. Contact me to set up a meeting!

I can explain the pros and cons of Custodial Roth IRA, and introduce you to some of the unique features of custodial accounts, including when kids can take control of the asset. Also, remember, with a Roth IRA, to qualify for the tax-free and penalty-free withdrawal of earnings, a Roth must meet a 5-year holding requirement and occur after age 59½. Tax-free and penalty-free withdrawals can also be taken under certain other circumstances, and the original Roth IRA owner is not required to take minimum annual withdrawals.

06/09/2026

No team wins with just one superstar, and no portfolio should bet on just one market. With the World Cup as a backdrop, our latest commentary explains why portfolios with global exposure are better equipped to adapt, adjust, and stay competitive no matter how the game changes. Read more here:

The 2026 FIFA World Cup features a record 48 teams from six continents, with matches held across the United States, Canada, and Mexico. Billions of viewers…

06/04/2026

Many families avoid financial conversations until they’re forced by circumstance.

Communicating before it’s urgent can prevent unnecessary stress, build confidence and understanding, and make future transitions smoother for everyone involved.

06/02/2026

The U.S. House has approved a bipartisan housing affordability bill aimed at addressing the role of large institutional buyers in the single-family housing market.

The bill passed by a 396-13 vote and would prevent institutional investors that already own more than 350 single-family homes from buying additional existing homes.

However, the measure would still allow those investors to build more housing units, a key distinction that helped gain support from rental, construction, and housing industry groups.

Supporters say the bill could help improve access to single-family homes, while critics argue that some provisions may not go far enough to address build-to-rent activity.

The measure still needs Senate approval before it can move forward, meaning additional changes or debate may follow.

For housing markets, the discussion highlights the ongoing tension between affordability, supply, rentals, and homeownership.


Source:

The U.S. House approved an updated housing affordability bill after removing industry-opposed requirements on selling build-to-rent homes.

05/28/2026

After early‑week profit-taking, compounded by rate‑driven volatility, the S&P 500 reversed course and continued its upward grind, closing higher for an 8th consecutive week. While the S&P 500 and Nasdaq 100 had already surpassed their mid‑April pre–U.S.–Iran war highs, the Dow Jones Industrial Average reached a new all‑time high on Friday, further supporting bullish sentiment. Although the 10-year yield touched an intra-week high of 4.69% on inflation concerns, progress in U.S.–Iran peace talks, as noted by the U.S. administration, helped ease some investor concerns. Read more in our weekly recap here:

After early‑week profit-taking, compounded by rate‑driven volatility, the S&P 500 reversed course and continued its upward grind, closing higher for an 8th…

05/22/2026

Can group and private disability policies work together?

Loss of income from disability has the potential to cause financial hardship. Disability insurance can help.

05/20/2026

Markets are at record highs, but it’s not all smooth sailing. Inflation and global headlines may stir up some bumps, and rate cuts may be harder to come by. That said, solid growth, strong earnings, and plenty of cash on the sidelines mean pullbacks (think 5–10%) could be opportunities, not reasons to panic. Staying flexible and opportunistic still matters. Read more in our latest commentary here:

Markets are at record highs—but it’s not all smooth sailing. Inflation and global headlines may stir up some bumps, and rate cuts may be harder to come by.…

05/15/2026

U.S. debt held by the public recently rose above the country’s gross domestic product, marking a notable fiscal milestone.

Debt held by the public stood at approximately $31.27 trillion at the end of April, slightly above the U.S. GDP of about $31.22 trillion over the prior 12-month period.

This measure represents debt owed to parties outside the federal government, including individuals, businesses, state and local governments, and foreign investors.

Several factors have contributed to the increase over time, including tax policy changes, higher federal spending, rising interest costs, and the needs of an aging population.

One key concern is the cost of servicing that debt. Federal interest payments have grown significantly, potentially affecting the government's flexibility for other priorities.

At the same time, demand for U.S. debt remains strong, and some economists note that the country’s broader economic strength helps provide context for the numbers.

Overall, the debt-to-GDP milestone is an important signal to watch — not necessarily a short-term crisis, but a reminder of how federal borrowing, interest costs, and economic growth are closely connected.


Source:

Federal debt held by the public now surpasses the total value of the nation's economic output. Here's why experts say that's a concern.

05/06/2026

U.S. stocks strongly rallied in April, with investors shaking off geopolitical headwinds, rising inflation concerns, and intense oil volatility, thanks to exceptionally strong corporate earnings and robust economic growth. In a major turnaround from its March 30 near-correction low at 6,343 and down as much as 9.1%, the S&P 500 rebounded over 10%, marking its best monthly performance since November 2020 and first close above 7,200. Read more in our April recap here:

U.S. stocks strongly rallied in April, with investors shaking off geopolitical headwinds, rising inflation concerns, and intense oil volatility, thanks to…