Nav Advisers

08/24/2026

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08/17/2026

The Common Cents Act has passed the House and now moves to the Senate for consideration.

The bill is tied to the phase-out of the penny and would create a national rounding standard for cash transactions.

Under the proposal, cash purchases would be rounded up or down to the nearest five cents when exact change is not available.

For example, a purchase totaling $10.02 would round down to $10.00, while a purchase totaling $10.04 would round up to $10.05.

Pennies would still retain their value under the act, even as the Treasury stopped minting them.

The bill is especially relevant for businesses that handle cash, including restaurants and retailers, because it could reduce confusion and legal risk around exact change.

For consumers and businesses, the broader takeaway is that even small changes in currency rules can affect daily transactions, checkout systems, and cash-handling practices.


Source:

New law aims to address how businesses and consumers should transact amid the phase-out of the penny.

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?

Monthly Market Insights | August 2026 U.S. and Canadian Markets Stocks were mixed in July as investors navigated a cross-current of news on the outlook for AI spending and Q2 corporate reports. The Dow Jones Industrial Average led, adding 0.32 percent. The Standard & Poor’s 500 Index edged down 0....

08/10/2026

The House passed a bill that would make daylight saving time permanent across most of the United States.

The bill passed by a vote of 308-117 and would end the twice-a-year clock change if it becomes law.

Supporters say permanent daylight saving time would provide more evening daylight during the hours when many Americans are most active. They also point to potential benefits for families, outdoor activity, tourism, and local businesses.

Critics have raised concerns about darker winter mornings, especially for children waiting for school buses and parents commuting to work.

States could opt out if their legislatures act before the bill takes effect.

The bill still needs to pass the Senate before it can be signed into law, so the current clock-change system is not changing yet.

For households and businesses, the debate is a reminder that even something as routine as changing the clocks can affect schedules, safety, commuting, consumer behavior, and local economic activity.


Source:

The Senate would also have to pass the daylight saving time bill before it could be signed into law, but it’s unclear if it will do so.

08/03/2026

Life insurance can be more than just a death benefit. Take a look at our Beginner’s Guide to Life Insurance Riders and contact me to learn more.
https://static.fmgsuite.com/media/documents/c5b0e9f0-fd87-455c-8a71-3dc8a36b0825.pdf

07/28/2026

What is it about August?

07/20/2026

Feeling behind on retirement savings at 50+? SECURE 2.0 might help more than you think.

A few key changes worth knowing:

📈 Bigger catch-up contributions — up to $8,000 extra in 2026, or $11,250 if you're 60–63 (total possible: $35,750).

🔄 If you earned $150K+ in 2025, your workplace plan catch-up contributions now go into Roth — paying tax now on the "seeds" instead of later on the "harvest" can actually work in your favor.

⏳ RMD age is now 75 for anyone born in 1960 or later — more time to grow your money and plan strategically.

🧩 Here's the thing: Social Security, IRAs, and 401(k)s don't work in isolation. How you contribute now — and how you withdraw later — needs to be one coordinated plan, not three separate decisions.

A late start doesn't have to mean a bad outcome — the rules have shifted in ways that can genuinely help.

If you're 50+ and want to talk through what this means for you, let's connect. 📩

07/13/2026

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. For more information or to set up a meeting, drop us a note today!

We 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.

07/08/2026

Markets posted solid second-quarter gains as investors responded to upbeat economic reports, continued diplomatic efforts in the Middle East, and strong first-quarter corporate numbers. The S&P 500 rose 14.87%, the Nasdaq gained 21.41%, and the Dow picked up 12.90%, while Canada’s S&P/TSX Composite added 6.37%. Looking ahead, markets may continue to react to Middle East updates, oil prices, inflation trends, and the pace of global commerce through the Strait of Hormuz. From U.S. home price growth to Canadian housing forecasts, this quarter’s by-the-numbers highlights the data behind one of North America’s most closely watched markets.

Quarterly Market Insights | July 2026 U.S. and Canadian Markets Stocks saw solid gains in the second quarter, riding a wave of enthusiasm over upbeat economic reports, ongoing diplomatic efforts in the Middle East, and strong first-quarter corporate numbers. The Standard & Poor’s 500 Index rose 14...

07/02/2026

🎆 Happy Independence Day! 🎇

Today, we celebrate the land of the free and the home of the brave! On this day in 1776, our nation declared independence, paving the way for freedom, opportunity, and the American spirit we cherish today. 🎉🗽

As we enjoy fireworks, BBQs, and time with loved ones, let’s remember the courage and sacrifice that built this great nation. 🍔🌭

Happy Birthday, America! 🎂🎈