Victor M. Folayan, Financial Advisor at Kinnect Advisors

09/09/2026

For many Gen Xers, retirement is starting to feel less like a distant milestone and more like a looming financial reality.

The oldest members of the generation will turn 62 next year, the earliest age to claim Social Security. At the same time, many are approaching retirement with limited savings and fewer pensions than previous generations had.

The median Gen X retirement savings balance is about $107,000, while members of the generation estimate they’ll need roughly $700,000 for retirement. Social Security may also become an increasingly important source of income, with 41% of workers over 55 saying they expect it to be their primary source in retirement.

That gap is prompting some Gen Xers to rethink when they’ll stop working, how much they may need to save, and what retirement could realistically look like.

If retirement is getting closer, this may be a good time to review your savings, expected Social Security benefits, and other sources of retirement income.


Source:

Millions of Generation X Americans expect to depend on Social Security as their main — or only — source of retirement income.

08/27/2026

What actually determines how your portfolio survives a recession? It's usually not the recession itself.

Join me on September 1st at 7pm for ‘Anatomy of a Recession’! We're breaking down what history really shows about market downturns, and why the biggest threat to your portfolio might be your own reaction to the headlines.

Register Here: https://us02web.zoom.us/webinar/register/WN_Zny8W383TuyRj9EQFdz03w

08/20/2026

Global bond yields have surged to levels not seen in years amid geopolitical uncertainty, shifting Fed expectations, and increased debt issuance. In our latest commentary, we break down what's behind the move, the impact on portfolios, and why we view higher yields as a compelling opportunity for long-term investors.
Read the full commentary:

We're in the Temperamental Era and bonds are the ones having the tantrum. The Temperamental Era is our term for a market that trades on headlines, not trends.…

08/17/2026

Join me on September 1st at 7:00 PM for "Anatomy of a Recession", a straightforward look at what history actually tells us about market downturns, and why the biggest risk to your portfolio often isn't the recession itself.

We'll cover:

✅ Why staying invested usually beats trying to time the market
✅ What past downturns reveal about recovery
✅ How to keep a level head when headlines get loud

Register Here: https://us02web.zoom.us/webinar/register/WN_Zny8W383TuyRj9EQFdz03w

08/10/2026

☀️ The days are long, but the summer itself is short. Before it's behind us, let's carve out 15 minutes to check in on your savings, investments, and goals. Contact me to schedule an appointment!

07/29/2026

A busy week of economic data is ahead, but all eyes are on the Fed. Join CIO Gene Goldman on this week’s episode of as he breaks down what to expect from the upcoming Fed meeting, the latest inflation risks, and why September could be a key month for interest rates.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

07/24/2026

Only 36% of Americans say they feel truly financially free. If you're not sure where you stand, that's a completely normal place to be and a good starting point for a conversation.

Financial freedom isn't a finish line. It's a direction. Let's map yours out.

Source: 2024 Bankrate survey

07/22/2026

Market volatility has returned, led by weakness in technology stocks. While the headlines may feel unsettling, the broader market has remained more resilient, reinforcing the value of diversification and a long-term perspective. Read more in our latest commentary here:

Market volatility has returned, led by weakness in technology stocks. While the headlines may feel unsettling, the broader market has remained more resilient,…

07/13/2026

Despite a powerful Q2, individuals are hesitant.

07/08/2026

☀️ Summer is a great time to slow down, and a great time for a quick financial check-in. We're officially past the halfway point of 2026: are your savings, investments, and goals still on track?

A 15-minute conversation now can save a lot of scrambling later. Contact me to find some time this month.