Rafe Klein David Lerner Associates

Rafe Klein David Lerner Associates Began career on the floor of the New York Stock Exchange, and has been in the investment business for nearly 30 years.

Graduation is a financial turning point for young adults—and also their parents.A 2026 Wells Fargo study found that 64% ...
06/07/2026

Graduation is a financial turning point for young adults—and also their parents.

A 2026 Wells Fargo study found that 64% of parents say their Gen Z children rely on them financially, whether for money, housing, or other support.

That dynamic has caused many parents to fill a new role: financial coach.🏆Helping their kids think through decisions from the sideline and building the financial confidence they'll need to stand on their own.

Check out ways to navigate the financial independence together:
🤝https://bit.ly/43hqnHR

The post-grad pivot isn't always a straight line to financial independence. 🎓What awaits Gen Z grads is a changing caree...
06/04/2026

The post-grad pivot isn't always a straight line to financial independence. 🎓

What awaits Gen Z grads is a changing career reality: fierce entry competition, AI-driven career shifts, and side hustles to supplement their income.

So where do you go from here?

The first few years after college can act as a learning opportunity. You can use early jobs not only to build your career, but also create a solid financial roadmap (see our graphic above🗺️)

Check out more about financial independence for young adults in 2026:
💸https://bit.ly/43hqnHR

Not all life insurance is the same. In fact, some policies have benefits that can be used for long-term care during your...
06/01/2026

Not all life insurance is the same. In fact, some policies have benefits that can be used for long-term care during your lifetime.

Long-term care costs are often financially draining for families. The 2025 CareScout Cost of Care Survey found the annual cost for a semi-private nursing home room was $114,975.

Life insurance with long-term care benefits can act as a steady financial resource to manage qualifying chronic care later in life.

Learn more about what to know before choosing a policy:🛡️ https://bit.ly/4uU39U3

💭Is early retirement a dream too good to be true? Retiring before 65 can be a goal to strive for, but not without a well...
05/29/2026

💭Is early retirement a dream too good to be true?

Retiring before 65 can be a goal to strive for, but not without a well-thought plan for the future.

Here's one risk to consider⚠️:

Claiming Social Security before full retirement age (age 67 for most) can result in a heavy monthly reduction by up to 30%. That reduction will last your lifetime.

Discover more hidden risks when retiring early: 🕳️https://bit.ly/4nrKKLy

Blended families are a common family dynamic and often comes with unique financial planning challenges. What once was t...
05/27/2026

Blended families are a common family dynamic and often comes with unique financial planning challenges.

What once was the norm in a family, might now look different as resources are combined and revisited.

If you're in this boat, lack of clarity can cause friction as you get older. A deeper family conversation may be needed about beneficiaries, retirement planning, and estate decisions 🏡

Explore key financial planning considerations for blended families:
👨‍👩‍👧‍👦 https://bit.ly/495Dqzv

Today, we reflect with sincere gratitude on the brave men and women who have sacrificed for our country.From all of us a...
05/25/2026

Today, we reflect with sincere gratitude on the brave men and women who have sacrificed for our country.

From all of us at David Lerner Associates, we thank those who helped protect the freedoms we cherish every day, and we remember those we have lost.

Memorial Day carries deep national meaning to honor those who served and sacrificed their lives in defense of the nation...
05/23/2026

Memorial Day carries deep national meaning to honor those who served and sacrificed their lives in defense of the nation 🇺🇸

For many American households, the holiday weekend also acts as the unofficial start of summer—which can come with some big price tags if you're not careful.

In fact, a 2025 Bankrate study found that 3 out of 10 people traveling over the summer planned to take on debt to book trips.

Taking advantage of the summer doesn't have to mean overspending. With an intentional budget, you can enjoy the warmer weather while also keeping on track for financial goals.

Learn more on how to create your summer budget before Memorial Day:
☀️https://bit.ly/3Rka9Lf

Here's some mistakes that people often make when choosing life insurance:1. Purchasing too little coverage🛡️ While premi...
05/19/2026

Here's some mistakes that people often make when choosing life insurance:

1. Purchasing too little coverage🛡️ While premiums might be lower, insufficient coverage may leave gaps in benefits based on what you and your family need.

2. Not revisiting your plan📋 Changes in life circumstances may cause differing needs in your coverage.

3. Delaying the decision entirely ⏳ Waiting to buy life insurance may limit options due to increasing age and changing health circumstances.

Explore more decisions that can affect how you look at life insurance: ✅ https://bit.ly/4ddhxzj

Do you know what the step-up in basis rule is? When you inherit assets—like a home, stocks, or other investments—tax tre...
05/17/2026

Do you know what the step-up in basis rule is?

When you inherit assets—like a home, stocks, or other investments—tax treatment can change significantly. Instead of being taxed on the original owner’s gains, the value (or "cost basis") is typically “stepped up”⏫ to its fair market value at the time of their passing.

Not every asset qualifies for the step-up in basis rule, which is why thoughtful estate planning matters. A clear plan should consider who will inherit your assets, what they’ll receive, and the most efficient way to pass it on.

Learn more about the step-up in basis and estate planning strategies:
🪜https://bit.ly/4us7KfL

Timing the market perfectly can feel like an impossible task...that's because it is. Markets are always uncertain, which...
05/14/2026

Timing the market perfectly can feel like an impossible task...that's because it is.

Markets are always uncertain, which can lead investors to feel uneasy trying to plan for long-term growth. But, the real goal isn’t to wait for certainty; it’s to be prepared for the unpredictable moments.

When planning your portfolio, think about:
-Your investment strategy
-Your level of risk
-Your time horizon
-Your discipline

Learn more about navigating market uncertainty: 🎢 https://bit.ly/4wd8xmm

Address

1221 Post Road East
Westport, CT
06880

Website

Alerts

Be the first to know and let us send you an email when Rafe Klein David Lerner Associates posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category