TREC: Three Rivers Executive Consulting

10/07/2026

Six Estate Planning Assumptions Worth a Second Look

It's easy to set estate planning aside once you've done a version of it. You sign the paperwork. You name a beneficiary. You mentally close the file.The only thing is, the file keeps changing. Accounts get opened. Families grow. Laws shift. And in the space between signing and revisiting, a handful....

10/01/2026

🏠 Considering a home purchase in today’s interest-rate environment?

With mortgage rates remaining elevated, some homebuyers are looking beyond traditional 30-year fixed mortgages and considering adjustable-rate mortgages (ARMs) as a way to potentially lower their initial monthly payment.

Recent data shows the average 30-year fixed mortgage rate at 6.79%, compared with 5.94% for a 5/1 ARM. That difference can be meaningful—but the lower initial rate comes with an important consideration: an ARM’s interest rate can adjust in the future.

At Three Rivers Executive Consulting, we believe the right mortgage decision should be considered as part of your overall financial plan, not simply based on today’s interest rate.

Before choosing a mortgage, it’s important to consider:
🔑 How long you expect to stay in the home
🔑 Your long-term cash flow and financial goals
🔑 How comfortable you are with potential future payment changes
🔑 How the mortgage fits into your broader investment, retirement, and tax strategy

If you’re considering buying a home, refinancing, or simply want to better understand your options, the TREC team is here to help you think through the financial implications and make an informed decision that fits your overall plan.

📩 Reach out to us to start the conversation.

Source: CNBC, September 2, 2026

09/11/2026

Today, we remember September 11, 2001, and the lives that were lost. We honor the heroes who stepped up, the families who showed incredible strength, and the reminder that we are stronger when we stand together. 🗽🙏

May we never forget the importance of unity, kindness, and the freedom we’re so fortunate to have.

09/11/2026

More Than a Number: The Four Risks That Shape Your Retirement

Many people can tell you their portfolio balance. Far fewer can tell you what else determines whether their retirement actually works.That's understandable. The balance is the number on the statement. It's concrete, and it feels like a score. But judging retirement readiness by that one figure is a....

09/09/2026

Retirement Isn't Just About How Much You Save. It's About When.

You can do everything right on paper — save diligently, spend reasonably, stay invested for the long haul — and still land in a very different retirement than someone who did the same things.The difference often comes down to a factor many retirement checklists leave out entirely: timing.

08/27/2026

Permission to Spend in Retirement: A Skill Rarely Taught

For decades, you trained one financial muscle: save, invest, don't touch it. Then retirement arrives and asks you to do the opposite.Nobody teaches that part. There is no course on how to spend the money you spent a lifetime building, so the discipline, the caution, and the watchful eye on every bal...

08/17/2026

Back-to-School Costs Are Rising 📚

Back-to-school shopping is getting more expensive, with school supplies up nearly 8% and packed lunch costs up 11% from last year.

At TREC, we understand how quickly seasonal expenses can add up. If you’d like help planning for these costs while staying on track with your broader financial goals, we’re here to help.



Source: CBS News

08/06/2026

What to Do With Your Next Dollar: A Financial Order of Operations

What do you do when you earn well and have generally dialed in the fundamentals: save, invest, reduce debt, stay protected? The challenge was never knowing what to do. It's knowing what to do first, and in what order.That's a harder question than it looks. Each of these priorities is sound on its ow...

07/17/2026

Trump Accounts: What Parents and Grandparents Should Know

Trump Accounts have been in headlines for months. Few of those headlines explain them the same way.Depending on the article, they sound like a college fund, a retirement account, or something brand new altogether.For parents and grandparents trying to figure out whether any of it matters for their f...

07/15/2026

Small business owners often think of their employees as family, but are they set up like it? This post opens the conversation around retirement options available to small business employees, reminding owners that a 401(k) isn't the only choice and that some options are built specifically for smaller teams.