NextStep Advisors

10/22/2026

The best financial lessons often start at home. As Halloween approaches, consider using candy budgets, costume spending, or trick-or-treat rewards as opportunities to teach children healthy money habits.

This Halloween, candy as currency can become a lesson on budgeting, market value, even taxes. This article covers suggested lessons parents can teach kids.

10/21/2026

It's almost time! Check back next week for my live interview with CEO Geoff McDermid.

Tune in here: www.youtube.com/

10/20/2026

As your life evolves, your insurance needs may change too. Learn how term-to-permanent conversions work and whether permanent life insurance or the use of an available conversion option may be appropriate for your situation.

https://bit.ly/48alWAR

10/19/2026

Last week, stocks fell as technology and AI-related weakness outweighed resilience in defensive sectors. Treasury yields declined amid demand for safety, while persistent inflation and strong consumer spending added uncertainty around interest rates. Learn more about the market forces driving recent performance in this week’s perspective.

10/19/2026

Many business owners spend years building value without knowing what their business
may be worth today. Understanding the value of your business can help support growth, succession, and long-term planning decisions. Let’s start the conversation.

10/17/2026

Learn how tax loss harvesting can reduce your capital gains taxes, offset ordinary income and position your portfolio for long-term growth entering 2027.

10/16/2026

The most valuable math you can learn…

10/16/2026

The 4% rule is a basic rule-of-thumb when it comes to retirement, but how can we make it better? Let’s talk about your retirement plan and how adding an annuity can help reduce your market risk.

Researchers compared four ways to turn a $1 million nest egg into retirement income, weighing lifetime payouts, liquidity, and money left for heirs and emergencies.

10/16/2026

Same AI, different results: The edge comes from clear tasks, useful context, iteration — and human judgment, not pricier tools.

10/15/2026

Your 401(k) is important, but it's not the whole plan.

A retirement account can be well funded while the rest of the financial picture remains disconnected.

A workplace retirement plan is one piece of a broader system. A complete plan also considers near-term cash needs, taxes, insurance, debt, major purchases, family goals and the flexibility to change course.

That is why choosing a contribution rate or investment mix in isolation can miss the bigger question: What does this money need to help you do, and when?

The strongest strategy is not necessarily the most complicated one. It is the one in which each account has a purpose and the pieces work together.

Want a second set of eyes on how the pieces connect? Book a Financial Momentum Conversation with Next Step Advisors. https://bit.ly/4yoS0vF