Broker Check


Whether it’s practical money advice, reports on emerging trends in the financial industry, or insightful perspectives on the financial markets, read about it here! And once in a while, we may throw in a book review or a fun quiz.

You can trust the editorial integrity of our blog. All content is compliance-reviewed and we have no financial or business relationship with any of the companies that are related to the links in our posts. They appear simply for educational purposes. 

We’re glad to have you reading along!


Thursday, December 1, 2022

5 questions that will help direct your efforts and give you confidence that your gifts will make a difference this year.


Monday, November 21, 2022

The holidays are a perfect time to start "The Conversation". 92% of Americans say it’s important to discuss their wishes for end-of-life care, but only 32% have had the conversation. Use your time together to give peace of mind.


Tuesday, November 15, 2022

I am happy to share Cetera Investment Management Team's latest commentary with you.It takes a space odyssey to explore the parallels between the cosmos and financial markets and the economy.


Thursday, November 10, 2022

America has voted and the midterm elections are largely behind us, although we may still see a runoff election on December 6 in Georgia. The result is likely unsatisfying for either party, Republican or Democrat.


Thursday, November 10, 2022

Use this gut check to review budgets with your financial planner and make sure your spending is intentional. Spend money on goods or experiences that you planned for. Make a list of goals you plan to achieve for the next 5 years.


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Tuesday, November 1, 2022

Elon Musk didn’t waste any time showing his true colors and making Twitter the “hellscape” he stated it would not become.


Tuesday, November 1, 2022

The end of the year is the perfect time to tie up any loose ends with your finances and get ready for 2023. Here's a checklist to ensure you touch on the most important categories.


Wednesday, October 26, 2022

I thought I’d post a quick note regarding the IRS’s recent announcement on October 21, 2022, regarding retirement account limits for 2023.


Wednesday, October 19, 2022

Using retirement funds presents a few key complications that can make it a bad financial decision long term. 


Wednesday, October 19, 2022

I’ve had clients reach out to me with questions about the yearly COLA  (cost of living adjustment) to Social Security, so I thought I would proactively share some information with you regarding this announcement.


Friday, October 14, 2022

If you have little experience with investing in stocks, bonds, or real estate, it can be nerve-racking. The good news is there are ways to help minimize risk and pursue portfolio protection strategies. Read on for protection strategies ...


Thursday, October 13, 2022

As we move towards the end of the year, I wanted to get a jump on sharing a few IRS tax updates for 2022, so you can plan accordingly. The theme almost entirely across the board? Brackets, limits, and thresholds are increasing for 2022.


Tuesday, October 11, 2022

Reviewing your Medicare coverage is an important part of your financial and insurance strategy. To help you make the right decisions for you, I am presenting a complimentary workshop.


Monday, October 10, 2022

Like an episode of Stranger Things, stock markets appear to be in the upside down world. A world where bad news can be good news and good news can be bad news.


Monday, October 3, 2022

Why not get the most out of your travel dollars by using your next vacation to learn as much as you can about the $1.46 billion leisure travel market?


Monday, September 26, 2022

Life insurance is like death and taxes – nobody wants to talk about it. Unlike those other taboos, this one yields lots of benefits and it’s not as scary as you might think.


Tuesday, September 20, 2022

Here are 3 good reasons why you should definitely take advantage of any employer-sponsored plans offered to you and ensure that your savings follow you to a new position:


Thursday, September 15, 2022

The Labor Department released its long-awaited August Consumer Price Index (CPI) report, and it surprised investors that had been anticipating a weaker inflation reading.


Tuesday, September 13, 2022

Life doesn’t stand still. Neither do your life insurance needs. If you have a quote or policy and haven’t reviewed it lately, you may be surprised to discover that what worked for you then may not meet your needs now.


Tuesday, September 6, 2022

Good news for America’s retirees? After a year saturated with worrisome economic news, here's a sign that better days may be ahead. Social Security could see the largest annual Cost of Living Adjustment in 42 yrs!


Tuesday, September 6, 2022

41% of Americans say they don’t have sufficient life insurance coverage. Are you underinsured, or not insured at all? Complete this needs analysis to get an idea of the amount of coverage you may need to protect you and your loved ones.


Friday, September 2, 2022

When deciding what types of retirement accounts you may need, it’s important to understand how your options compare to each other. A few options you may have are 403(b) plans and Roth IRAs. Find out how they compare.


Monday, August 29, 2022

The new Inflation Reduction Act is a big enchilada of green energy spending, corporate taxes, and some pretty major changes to Medicare. Is this deal a big deal? Could be. Here are some Medicare changes you need to know about ...


Sunday, August 28, 2022

With an ultimate digital planning checklist, you can get organized painlessly. Use this checklist as a guide to start securely storing and sharing your crucial information.


Thursday, August 25, 2022

The Inflation Reduction Act was signed into law on Tuesday, August 16. While the $430 billion package includes many provisions, I thought I’d highlight three key areas where you may benefit the most.


Thursday, August 18, 2022

Don't let the markets or the news bring you down. That may be a challenge for many people who are at an age when they are saving for retirement, getting close to retirement, or already in retirement.


Wednesday, August 17, 2022

After losing nearly 20% 1H 2022, the S&P 500 is up over 13% since June 30. Pessimism turned to optimism, as inflation is showing signs of easing. Higher interest rates are a headwind for economic growth and corporate earnings.


Thursday, August 11, 2022

That's pretty confusing, right? Let's discuss. The most common definition of a recession is two consecutive quarters of negative growth. The economy shrank in the first half of 2022. If it looks like a duck and quacks like a duck...


Wednesday, August 10, 2022

Our minds have been focused on the coronavirus and the last thing on our mind is hurricanes, but hurricane season is upon us. From our prior blogs you have a template for thorough plans whether you endure the storm at home or seek...


Monday, August 8, 2022

Unfortunately, due to the Supreme Court’s recent Dobbs decision overturning Roe v. Wade, the LGBTQ+ community has learned a sad new fact of life. Our planning for the future must now take into consideration the possibility...


Friday, July 29, 2022

The SECURE Act of 2019 represented the biggest update to retirement law in over a decade. Now, Congress is deliberating on what “SECURE 2.0” legislation might entail.


Friday, July 22, 2022

Many of my recent client meetings have been more like therapy appointments than financial planning sessions. Concern about financial markets, inflation, uncivil politics, and uncertainty about the future is really affecting people.


Monday, July 11, 2022

Building your wealth isn’t something that will happen overnight. But, following these 5 tips from Treece Financial will help you steadily move toward financial independence.


Thursday, July 7, 2022

The IRS's "Dirty Dozen" lists a variety of common scams that taxpayers can encounter anytime. The IRS warns taxpayers, tax professionals and financial institutions to be on the lookout for them!


Thursday, June 23, 2022

This report is created by Cetera Investment Management LLC.Report Highlights:The S&P 500 went into a bear market, declining more than 20% from its peak.The 10-year Treasury yield jumped over a percentage point this quarter, reaching as...


Thursday, June 23, 2022

A company’s feel-good Pride marketing may mask policies of ongoing discrimination and funding of politicians who are passing bills that adversely affect its minority customers. Do you want to spend your money with companies like this?


Thursday, June 16, 2022

Recent economic challenges, including inflation, rising interest rates and ongoing market volatility, have added to the stress many people are experiencing. However, there are practical ways to help cope with and overcome these obstacles.


Wednesday, June 15, 2022

Many individuals view financial planning as an extremely personal and private matter. Sharing sensitive details about your financial assets (or lack thereof), earnings, attitudes about money, life goals, dreams, and how you’ll...


Tuesday, June 14, 2022

With 3 million LGBTQ+ adults over age 50 living in the US, isolation and discrimination is on the rise for many single older folk. Learn how aging LGBTQ+ folx can enhance their mental and financial well-being through community connections.


Monday, June 13, 2022

This report is created by Cetera Investment Management LLC.S&P 500 suffers its ninth weekly loss in just 10 weeks.Investors worry that an aggressive Fed will lead to a recession.Our base case is a growth slowdown, not a recession.A...


Sunday, June 12, 2022

With hopeful signs that the pandemic is reaching endemic status, Americans have packed their suitcases, dusted off their swimming trunks (or bought new ones that fit better), and purchased suntan lotion in anticipation of summer travel.


Wednesday, June 8, 2022

While the decades-long fight for equal rights and marriage equality for LGBTQ+ Americans has resulted in society-shifting strides, residual forms of inequality still impact their safety, their families, and their day-to-day lives.


Tuesday, May 31, 2022

“Don't say gay”? Well, I DO say gay! And I am on fire. Many of my clients are also enraged about Florida’s Parental Rights in Education law. It promotes bigotry and sends a message that LGBTQ+ people are not OK. I am standing up against it


Friday, March 18, 2022

Over three weeks ago, Russia invaded Ukraine. We continue to believe Western governments are unlikely to escalate this war by directly engaging Russian military forces. Instead, their primary tool has been economic sanctions. While...


Wednesday, December 1, 2021

Let’s talk about omicron. (If you’d rather not, scroll right down to the P.S. for something beautiful.) Since the first known cases of COVID-19 were detected in China, we've seen a number of notable mutations as the virus...


Wednesday, December 1, 2021

In their latest commentary, the Cetera Investment Management Team discusses the new COVID-19 variant, Omicron, and the potential ramifications to the global economy. While there are still so many questions about this new variant, a...


Tuesday, November 23, 2021

AND LEARN HOW THEY CAN IMPACT YOU If you have a retirement account set up and you're making regular contributions, that's great! There may come a time when you need to move these retirement savings from one account to another, and...


Friday, November 5, 2021

The last few weeks and months have had a lot of stress and uncertainty. So, instead of writing to you about politics, or the economy, or the supply chain, I figured I'd change the script and write about something completely different....


Thursday, November 4, 2021

Monthly Recap Market Indices At-A-Glance The S&P 500 finished October at its 59th record high of 2021, posting its best Jan-Oct performance (+24%) since 2013.The Dow Industrials gained 5.93% last month, notching its 40th 2021...


Wednesday, October 27, 2021

In their latest commentary, the Cetera Investment Management Team discusses "Trick or Treating on Wall Street." Are you spooked by stocks or frightened of fixed income? Count Stockula and the Bond Reaper are known to emerge from the...


Thursday, October 21, 2021

Last month, Apple sent out a notice urging some of its users to update their operating systems.* The reason? A vulnerability had been discovered that hackers could use to gain access to users’ computers and other products. If...


Thursday, October 21, 2021

Financial markets tend to function best when they have clear, strong leadership. When there’s concern about who’s the boss, markets can struggle.Jerome Powell’s first term as Fed Chair ends in February 2022. Until...


Sunday, October 10, 2021

Medicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. Any changes to your plan will go into...


Monday, October 4, 2021

Cetera Investment Management has released its 2021 Fourth Quarter Outlook. In this outlook, they discuss growing risks in the economy, equity markets and bond markets. Many equity investors are looking at the growing risks and...


Wednesday, September 29, 2021

In their latest commentary, the Cetera Investment Management Team discusses today's stock market selloff. They have been warning about the possibility of increasing volatility in the second half of this year and now it seems to...


Thursday, September 23, 2021

The stock market got a little crazy this week. Is a storm coming? Let's take a look at what's driving markets right now. (Scroll to the end if you just want my takeaways.) A few things are driving the market volatility: Fears of a...


Wednesday, September 22, 2021

The Beatles famously sang, “Money can’t buy me love.” But, money should be able to buy happiness, right? If people can buy the things they want, need, and enjoy, it seems like money should make them happy. But it...


Tuesday, September 21, 2021

In their latest commentary, the Cetera Investment Management Team discusses the recent stock market volatility. Throughout most of 2021, U.S. equities have risen despite a growing list of concerns. With the S&P 500...


Wednesday, September 8, 2021

You may feel like you are traveling through another dimension, a dimension not only of sight and sound but of mind. But our next stop is not the Twilight Zone, or so we hope. It’s a journey to a wondrous land whose boundaries...


Thursday, September 2, 2021

Over the last year, many have seen their lives impacted by the COVID-19 pandemic. The ways in which we work, live, and communicate have drastically changed, to say the least.It’s difficult to predict what other aspects of life...


Thursday, August 26, 2021

With the Federal Reserve keeping interest rates at or near zero, you may wonder about your mortgage. Is it a good time to refinance or even pay off the debt entirely? After all, your mortgage is one of the biggest expenses you may...


Tuesday, August 24, 2021

Income. Growth. Guaranteed. Sometimes I say annuities and it's like the A-bomb. People are hearing negative things, and it's often false. I want you to learn about these. They can obviously be a little bit more involved because you've...


Monday, August 23, 2021

• U.S. equities have enjoyed a strong 2021 with the S&P 500 more than doubling from its 2020 lows.• Growing evidence of troubling market risks have emerged.• Expect market volatility to rise as these risks and high...


Thursday, August 5, 2021

Monthly Recap Market Indices At-A-Glance The broad market S&P 500 finished July just 0.59% below its all-time high set July 26 at 4,222.30. The benchmark equity index has posted 41 record-setting highs so far this year, seven in...


Tuesday, August 3, 2021

4 Things You Can Do About Rising Inflation In June, the Consumer Price Index, which measures the change in the prices of a broad range of goods and services over time, rose 5.4% from a year earlier, marking the sharpest increase in...


Tuesday, July 20, 2021

In their latest commentary, the Cetera Investment Management Team discusses today’s stock market sell-off and drop in bond yields due to rising Delta variant concerns. While the variant is a concern, they feel it is a low...


Tuesday, July 20, 2021

The news keeps getting better for Social Security recipients. It's now projected that benefits will increase 6.1% in 2022, up from the 4.7% forecast just two months ago. That would be the most significant increase since 1983.1,2...


Monday, July 19, 2021

Inflation is defined as the general upward price movement of goods and services in an economy. The key word is “general.” Inflation tends to be uneven and affects the price of some items more than others. If you’ve...


Monday, July 12, 2021

While there’s still plenty of time to enjoy the rest of summer, we encourage you to slow down and check up on your financial well-being. Review your budget: Your spending habits likely look different now than they did in 2020,...


Wednesday, June 30, 2021

If you were to pass away or become incapacitated, your loved ones may be responsible for making challenging decisions about your health or estate. During a time of emotional distress or grieving, it’s difficult to think about...


Thursday, June 24, 2021

Cetera Investment Management has released its 2021 Midyear Outlook. In this outlook, they discuss the economy hitting its peak growth rate this quarter and investor enthusiasm around that growth, including the prospects for...


Wednesday, June 23, 2021

At its June meeting, the Federal Reserve confirmed what many of us have suspected for some time: prices are rising. In fact, prices are climbing faster than many expected. In response, the Fed raised its inflation expectation to 3.4%,...


Wednesday, June 16, 2021

The real rate of return is an important personal finance concept to understand. It’s the rate of return on your investments after inflation. The real rate of return indicates whether you are gaining or losing purchasing power...


Monday, May 17, 2021

In their latest commentary, the Cetera Investment Management team explains the causes for the recent stock market volatility. Primarily, investors fear rising inflation which impacts stock valuations and especially technology...


Monday, May 10, 2021

With LGBTQ+ Pride Month quickly approaching, the significance of my joining a national financial services council focused on diversity and inclusion becomes clear. I have been shouting from the mountaintop for years about the need for...


Thursday, April 29, 2021

With 2020's individual tax filing deadline extended to May 17th and several changes brought on by coronavirus-related legislation in the midst of filing season, I have received lots of questions from clients seeking clarification...


Wednesday, April 28, 2021

With 2020's individual tax filing deadline extended to May 17th and several changes brought on by coronavirus-related legislation in the midst of filing season, I have received lots of questions from clients seeking clarification...


Tuesday, April 27, 2021

In their latest commentary, the Cetera Investment Management team discusses the economic recovery and the Biden administration’s first 100 days. Both have been successful but will likely face tougher challenges ahead. CLICK TO...


Tuesday, April 27, 2021

Saving money for Millennials is not always top of mind or even feasible. Student loan debt, credit cards, stagnant wages, and living expenses equate to living paycheck to paycheck, sometimes with little savings at all.


Thursday, April 22, 2021

Optimize Your 401(k) to Strengthen Your Financial Future Calming Retirement Fears Retirement is a big deal, much like a marriage, or having children as well as similar life events. Making the decision is often difficult as so much of...


Friday, April 16, 2021

In their latest commentary, the Cetera Investment Management team discusses the most recent report on inflation and the prospects for future inflation. Investors and consumers are worried that inflation will cause a devaluation of...


Thursday, April 8, 2021

It would come as no surprise if some aspect of your financial security has been affected over the past year due to the COVID-19 pandemic. Now that there is movement forward with economic recovery measures and increasing vaccination...


Tuesday, April 6, 2021

In their latest commentary, the Cetera Investment Management team discusses the recent infrastructure proposal, why it will likely take longer to pass than people expect and the investment ramifications. • Recently announced $2...


Monday, April 5, 2021

Spend today, save tomorrow? Okay, we've all been there. But if it seems you're always living paycheck-to-paycheck and never able to save anything for the future, then it may be time to make a change . April is Financial Literacy Month...


Wednesday, March 31, 2021

The Cetera Advanced Planning Group has released an overview of the American Rescue Plan Act of 2021. This provides explanation and analysis on how this may affect your financial planning interests.This overview provides information...


Wednesday, March 31, 2021

The talk about inflation is going to be really interesting to watch. Shout out to Photo by Jp Valery on Unsplash. Tom Hudson, from the Miami Herald warned us to take heed back in January about the growing worries that inflation will...


Monday, March 29, 2021

Among the many changes arising from the pandemic, one of the most noticeable was a change in American spending habits.A survey released in March 2021 by Pew Research shows that Americans have increasingly chosen to put away what extra...


Tuesday, March 23, 2021

Cetera Investment Management has released its 2021 Second Quarter Outlook. In this outlook, they discuss local economies reopening and investors’ optimism. Potential consumers are getting another check from the government and...


Monday, March 22, 2021

Hopefully you enjoyed your time IN THE ROOM with Dr. Ben S. Bernanke. If you’d like to watch the conversation again, or if you were unable to join us, the replay is available for you to view until April 18, 2021. To access the...


Thursday, March 18, 2021

Don't Fall for These Common Budgeting Myths You’ve almost made it. You’ve worked, planned, invested, and saved for years to get to your retirement. And now that you’re almost there, it can be so tempting to forget...


Monday, March 1, 2021

Are Streaming Services Keeping You From Retiring? We all love our streaming services. It might have started with just one, but as more are created, and you add shows to your must-see list, you shell out more and more each month to...


Tuesday, February 23, 2021

In their latest commentary, the Cetera Investment Management team explains the causes for the recent technology selloff. Primarily, investors fear rising bond yields but there is also a rotation occurring as we enter a new phase...


Monday, February 22, 2021

The 2020s haven’t got off to the roaring start we all had hoped for. We’re a year into the worst pandemic in a century, and it’s brought along with it the deepest economic contraction since the Great Depression....


Thursday, January 21, 2021

As many Americans learned in 2020, emergency savings can provide a much-needed lifeline during periods of crisis or uncertainty. Adequate cash reserves can be critical for helping you stay on track during turbulent times by preventing...


Monday, January 11, 2021

The Associated Press has called the Georgia Senate runoff for the Democrats. Cetera Investment Management's base case scenario for a divided Congress no longer holds with the Democrats gaining a small edge in the Senate now. However,...


Tuesday, January 5, 2021

Equity markets have had a huge run since their March 2020 lows. Despite rising headwinds, investor optimism remains elevated and a market correction is possible. Market corrections are a normal part of investing and can be used as an...


Tuesday, December 22, 2020

I am happy to share this recently published 2021 market outlook from my broker-dealer Cetera Advisors ... The past year has been one for the history books with both crashing economic output and a subsequent bounceback, though with some...


Friday, December 11, 2020

Are you reaching a milestone in your life such as retirement or a change in your personal circumstances? Has your tolerance for taking risk changed? We experienced historic volatility this...


Friday, December 4, 2020

The pandemic has given rise to a number of new scams designed to part you from your money. One of the latest involves phony contact tracers. While contact tracing is considered an important tool for helping to contain the spread of...


Thursday, November 19, 2020

I am happy to share this recent commentary from Cetera Investment Management (download PDF) ... It’s been 399 years since the first Thanksgiving feast in Plymouth, Massachusetts, and the holiday has since become a beloved...


Monday, November 9, 2020

I am happy to share this timely market report fromCetera Investment Management LLC … • Over the weekend, Joe Biden was declared the next President.• With Republicans likely to hold the Senate, expect a divided...


Friday, October 23, 2020

Stocks treaded water last week amid fading prospects for a stimulus bill, fears of a second wave of COVID-19 cases, and increasing political and regulatory pressures on Big Tech companies.The Dow Jones Industrial Average added just 0...


Thursday, October 15, 2020

Whether you are enrolling in Medicare for the first time or considering a change in coverage, it is vital to understand the steps involved to make the best choice for your situation. Medicare’s open enrollment period runs from...


Wednesday, October 14, 2020

The latest commentary from Cetera Investment Management covers the path to electoral victory for both candidates, the chances of a delayed result, and examines historical stock market returns during post-WWII 4-year presidential cycles...


Friday, July 31, 2020

We are facing a ‘one-two punch’ with tropical storm Isaias almost here and the ever-increasing danger of the coronavirus pandemic. The storm may be only a category 2 but we have to be prepared for everything. The...


Friday, July 31, 2020

United States’ output, as measured by GDP, told us what we already knew. The economy suffered its worst contraction on record in the second quarter. Other data released today gives a better picture what the future might hold....


Thursday, July 9, 2020

With the economy and financial markets flashing mixed signals, it’s no wonder that lawmakers are deadlocked on whether to pass a Phase 4 of the CARES Act. More than $3 trillion in stimulus has been pushed into the economy since...


Monday, June 22, 2020

Eventually, many of us may help a loved one who needs caregiving services, enters assisted living, or find ourselves in the same position. Unfortunately, a common occurrence amongst LGBTQ folx under the care of home care aides is that...


Tuesday, June 16, 2020

The groundswell of support for the ongoing protests and calls for ending racial and economic injustice speak to our society’s deep desire and passionate longing for change. Ultimately, people are protesting because they want a...


Friday, June 12, 2020

LGBTQ baby boomers — the generation who pioneered the fight for equal rights and acceptance — are drawing upon that same radical spirit to ensure senior care services and institutions are inclusive and responsive to their...


Tuesday, June 9, 2020

As an openly gay man, providing financial planning services to the LGBTQ community has always been a point of pride for me. I was recently asked to speak at a national conference with Cetera Advisors in Denver about exactly that. It...


Saturday, June 6, 2020

During these times of civil unrest and complexity, we want to take a moment to state our commitment to equality and justice. As a company, we embrace our differences and strive to provide an environment where everyone feels safe and...


Thursday, June 4, 2020

While many LGBTQ baby boomers are living vibrant, healthy, full lives across the US, there are thousands that face challenges that their fellow hetrosexual counterparts do not have to deal with. Higher rates of isolation,...


Thursday, May 21, 2020

The conventional wisdom is often to leave your investment portfolio alone and to ride it out because the market will come back. Otherwise, smaller investors can make the mistake of selling when the market is down and then they don't...


Tuesday, May 19, 2020

All economic booms end in recessions. It’s a consequential truth we have to embrace to move forward. The good news is that historically every recession is followed by expansion. What could the roadmap to recovery look like in our...


Thursday, May 14, 2020

The Coronavirus pandemic reminds us that we are not invulnerable. Many of us live our lives like nothing can hurt us until we get sick and then planning is rushed or worse, left to our children after we die. The truth of the matter is...


Monday, May 11, 2020

"Buy? Sell? Invest? When do I get back into the market?" That’s a question I hear a lot these days. My answer is simple: It depends on your risk tolerance and your timeframes. Goldman Sachs right now is feeling a little bit more...


Friday, May 8, 2020

Putting the breaks on the economy to stop the spread of COVID-19 has caused job losses. Unfortunately, South Florida’s economy is particularly vulnerable because travel and tourism drive business. From the cruise lines and...


Saturday, May 2, 2020

In March, the S&P 500 had the fastest bear market in history, falling 20% in 16 days, and then hitting a 30% decline over 19 days. The following month, the S&P 500 also had one of its best weeks in history. This type of volatility is...


Wednesday, April 29, 2020

We are happy to share this important information from guest blogger Corrine Markey, founder of The Seniors’ Answer... Usually this time of year I’m writing about hurricane preparations so that you have weeks to prepare. But...


Tuesday, April 28, 2020

After a month of stay-at-home restrictions, the economic fallout from the coronavirus pandemic is being felt by everyone. Now, more than ever, it's crucial to be savvy about money matters to limit damage to your finances. In honor of...


Tuesday, April 21, 2020

April Is National Financial Literacy Month “How did you go bankrupt?” “Two ways. Gradually, then suddenly.” In the famous exchange from The Sun Also Rises, Ernest Hemingway illustrates how small, seemingly...


Friday, April 10, 2020

Sharing the latest commentary from Cetera Investment Management ... (Click here to download and print the article) After the massive stimulus package, stocks remain volatile. Volatility will remain until there is more clarity around...


Wednesday, April 8, 2020

Sharing the latest commentary from Cetera Investment Management ... (Download and print article We Are In A Recession Already) While we are in a recession, we do not expect it to worsen into a depression. The current recession...


Tuesday, April 7, 2020

Tax day may be delayed this year, but it’s never too soon to start planning. If you’re like the 73% of Americans who received a refund last year,1 you’re looking forward to getting money back and thinking about how...


Thursday, March 26, 2020

Did you know that one of the most important security steps you can take begins right at your own computer? That step is running critical updates for all your devices—phones, desktop and laptop computers, and tablets—as soon...


Tuesday, March 24, 2020

Happy to share this timely article from one of our referral partners, The Seniors Answer... “The health effects of loneliness are astounding,” says Carla Perissinotto, Associate Chief of Geriatrics Clinical Program at U.C....


Monday, March 23, 2020

Sharing the latest commentary from Cetera Investment Management ... The ever-changing fiscal and monetary stimulus picture targets economic disruption caused by the virus. However, significant market improvement may not occur until we...


Wednesday, March 18, 2020

Treece Financial has solutions to address your concerns about coronavirus and market volatility. These may be things that you've never heard about, or not are not familiar with. But we work with money managers who are professionals...


Friday, March 13, 2020

I hope you and your family are safe, healthy, and preparing for what looks like some major disruption in all of our lives for the foreseeable future due to the coronavirus pandemic. I’d like to share a message about the market's...


Thursday, March 12, 2020

Here’s what’s on my mind this week… #2020Olympics going as planned There has been speculation since the #Coronavirus outbreak in #Japan will postpone or even cancel the events. The organizer confirmed that they are...


Saturday, February 29, 2020

1. Set life achievement goals for the next leap year. 2. Catch up on a task that's been bogging you down this month. For example, prep and file your taxes? 3. Tackle those annoying household projects that you only want to face every...


Friday, February 28, 2020

Recent news surrounding the coronavirus has shaken investor confidence over the past few trading sessions. Several of my clients have contacted me with concerns about how the global spread of the coronavirus may affect their financial...


Tuesday, January 21, 2020

2020’s New Year celebrations are over. Resolutions have been made (and possibly already discarded). Myriad “best of the decade” lists have been published. But time constantly moves forward and the cycle repeats itself...


Thursday, January 16, 2020

Treece's 3ForThursday! What's on my mind this week... New Year's holiday celebrations are over and resolutions are in full swing, but everyone is still asking about 2020’s economic outlook. Here's an outlook on the long and short...


Thursday, December 12, 2019

#Treece3ForThursdayHere's what's on my mind this week... 1) #JollyBollyHoliday Hum aasha karte hain, aapki chhuttiyaan aanandayak ho!Luis and I - along with many of our clients and friends - recently kicked off the holidays...


Friday, December 6, 2019

This year’s holiday spending is forecasted to outpace last year. According to Deloitte, holiday spending is expected to exceed $1.1 trillion between November and January, a 4.5 to 5% increase over 2018.1 It’s not too late...


Friday, December 6, 2019

Every holiday season we find ourselves in a panic trying to get shopping done last minute while watching the credit card balance skyrocket. If you could do it differently to save stress, time, and cash, would you shop earlier? Would...


Friday, December 6, 2019

Yes, it’s the most wonderful time of the year, with parties for hosting, marshmallows for toasting – and cyber criminals looking to take advantage of your holiday busy-ness to compromise your online security. They hope...


Thursday, December 5, 2019

Here's what's on my mind this week... 1) #CamelRideFail On our recent trip to Jordan, Luis and I took camel rides. As you can see from this photo, I had a bit of hard time getting off the ground. It reminded me of this YouTube video...


Monday, November 25, 2019

A timely message from guest blogger Corrine Markey of The Seniors Answer ... In this age of technology, you can research your ancestry and get your DNA tested online which will give you a lot of data about your family, but it will not...


Thursday, November 21, 2019

1) #ExpatAdventuresWe often help our clients examine the #prosandcons of #retiringabroad. Here’s an insightful #NewYorkTimes article about it.2) #MedicareAbroadA common question about #livingabroad is “Will #Medicare cover...


Wednesday, November 20, 2019

Trying to avoid politics at the table this Thanksgiving? Grab everyone's attention by starting an end-of-life wishes conversation! Did you know that 95% of Americans say that it's important to discuss their end-of-life wishes with...


Thursday, November 14, 2019

#Treece3forThursdayWhat’s on my mind this week... 1) #ChartToppersWho's the all-time best-selling music artist? A fascinating animated look at the the past 50 years 2) #RetirementRankingsWhere does #Florida rank as an affordable...


Thursday, November 7, 2019

#Treece3forThursday What’s on my mind this week... 1) #TBT #TreeceAndLuis My husband Luis and I when we were honored in 2012 as a #StonewallLuminaryCouple by #ThePrideCenter. Oh my, look at those mustaches - perfect to post...


Thursday, October 31, 2019

What's on my mind this Halloween! #FrightNight for FidoHalloween can be a fun time for kids and families, but a nightmare for pets. Keep them safe with these 10 easy tips. #MischiefManagedDid you know that #hauntedhouses are a product...


Wednesday, October 30, 2019

As the little goblins take to the street for fright night treats, it's important to note that Halloween is not the only time to be alert for tricks. Children are at the highest risk for ID theft year round. 1) Child ID Theft: 8 Steps...


Thursday, October 24, 2019

#Treece3onThursday What's on my mind this week: 1) #EatTogetherCheck out this moving public service video about eating together (especially in our age of technological isolation). This is exactly what we want for our #SoloAgers (and...


Thursday, October 10, 2019

#Treece3onThursday What's on my mind this week: 1) #ReserveCurrencyThe U.S. dollar is the world’s most powerful reserve currency, making up over 61% of foreign reserves. With the world rapidly changing, what will the composition...


Thursday, October 3, 2019

#Treece3onThursday What's on my mind this week: 1) #TheGuardiansStunning movie I just watched about “legal” guardian abuse. We might be showing to our clients and the community. View the chilling trailer. 2) #HoundDogOn a...


Thursday, September 26, 2019

#Treece3onThursday What's on my mind this week: 1) #SocialSecurity2020The official announcement will come on October 10th, but it looks like Social Security recipients will have a small cost of living adjustment #COLA in...


Monday, September 23, 2019

September is National Life Insurance Awareness Month. Because coverage needs change over time, taking a "DNA" (Detailed Needs Analysis) test periodically ensures that you have the right mix of coverage for your current situation and...


Thursday, September 19, 2019

#Treece3onThursday What's on my mind this week: 1) Lights, Camera, Action! My team and I recently filmed a video series at CIC Miami to announce the addition of Susanne Veder to our team and to explain our new The Solo Ager™ and...


Thursday, September 12, 2019

#Treece3onThursday What's on my mind this week: 1. Yes, Trump's tweets DO move the markets according to a #BankofAmerica study. And #JPMorgan has created a #TrumpTweetIndex called the #volfefe after Trump's nonsensical #covfefe tweet....


Friday, August 30, 2019

It’s Coming Don’t Wait – Act NOW! Use your cell phone, camera or video camera to take photos of all of your belongings – room by room Keep cell phone on your charger; consider buying a mobile charger Get a...


Wednesday, August 21, 2019

Having your social media accounts stay active after you’re gone isn’t such a big deal, is it? You may not think it's a big deal, but what about your loved ones?


Friday, August 9, 2019

Is there one big thing you can let go of during "Simplify Your Life Week" to open up space in your life for another? We’re all familiar with the concept of spring cleaning, a time to cleanse our closets and garages of the random...


Sunday, July 14, 2019

“All advocacy is, at its core, an exercise in empathy.”Samantha Power Advocacy is a big part of what we do. It is not just about financial planning and investment management. I want to personally share news of some of the...


Saturday, July 13, 2019

July marks the mid-point of the year, smack in the middle of South Florida’s steamy and humid summer season. Traditionally, this more languid time of year brings a slower pace, vacations, and time to recharge. However, for many...


Wednesday, July 10, 2019

Summer is when our thoughts turn to longer days, warmth, relaxation, and well-earned vacations. It’s also a time to take a few carefully considered steps that can pay big dividends when days are shorter and there’s less...


Monday, July 8, 2019

One of the most common questions I get from clients is, “What’s the difference between Medicaid and Medicare?” I understand the confusion, because they can seem to be similar at first glance, but an in-depth review...


Tuesday, June 25, 2019

Eventually, many of us may help a loved one who needs caregiving services, enters assisted living, or find ourselves in the same position. Unfortunately, a common occurrence amongst LGBT individuals under the care of home care aides is...


Thursday, June 6, 2019

We are happy to welcome guest author Corrine Markey of The Seniors Answer share tips for the upcoming hurricane season: After 25 years of not having a major hurricane hit South Florida, Irma came with a vengeance in 2017. We were lucky...


Wednesday, June 5, 2019

Live Secure 1. Record all details in one central location of important legal documents, list of financial assets, pensions or profit-sharing plans, latest tax return and Social Security statements, the location of any safe deposit...


Thursday, May 30, 2019

June 2019 marks the 50th anniversary of the Stonewall uprising, the spark that ignited America’s gay liberation movement. LGBTQ Baby Boomers are this movement’s “Greatest Generation”—pioneers who have...


Thursday, May 23, 2019

Reprinted from 55+ Magazine: Each year, the Medicare program loses $60 billion to fraud. The best way to reduce this figure is beneficiary education to prevent and reduce known pathways to fraudulent activities and unethical billing...


Tuesday, May 21, 2019

"My health is the #1 concern. Longevity is the #2 concern."Alonzo Mourning Longevity is a common concern that comes up during many long-term financial plan discussions. As individuals envision what their later years may look like,...


Saturday, April 27, 2019

Ready for another serving of investment terminology explained in easy-to-digest terms? While the alphabet soup acronyms and technical terminology of “finance-speak” can be sometimes overwhelming, terms can sound more...


Monday, April 8, 2019

Since 2004, April has been designated as Financial Literacy Month in the U.S. to teach Americans how to establish and maintain healthy financial habits. What better way to strengthen your financial literacy than with a light and...


Friday, March 22, 2019

Throughout March, Treece Financial is honoring Women’s History Month by examining the topic of women and investing. In general, at least from a superficial perspective, men invest more frequently than women. One contributing...


Friday, March 1, 2019

Women's History Month recognizes the many historic advances females have contributed across all fields in our society. As we take time to reflect on these important accomplishments, it's also an ideal time to address female financial...


Tuesday, February 12, 2019

People often ask me "How do you get paid?". They are sometimes unsure of the differences between commissions, fees, and how charges are calculated for various services. Treece Financial Group offers fee-based services through an...


Friday, January 11, 2019

Even though parts of the U.S. federal government remain closed due to the ongoing shutdown, identity thieves are not taking any time off. In fact, because the Federal Trade Commission (FTC) is shut down so hackers now have even more...


Thursday, January 10, 2019

December didn't deliver a "Santa Claus Rally", but brought breathtaking market volatility instead. What will the first month of 2019 bring us? View this monthly recap for expert market insights. After viewing, please feel free to call...


Tuesday, December 18, 2018

• Equities continue to face worries around trade, data, and levels of corporate debt. • Positive market fundamentals remain intact. • We remain cautiously optimistic. U.S. equities have started the week on a sour note....


Friday, December 7, 2018

I was recently interviewed by Washington Post columnist Michelle Singletary for my opinion about the annual median cost of long-term care now ranging from $18,720 for adult day-care services to $100,375 for a private room in a nursing...


Tuesday, November 20, 2018

Grab a cup of coffee, find a quiet space for an hour, and give yourself and your family the gift of getting your personal finances organized for a head start on 2019 planning! Now is an ideal time to do a year-end check-up of your...


Wednesday, October 31, 2018

Next Tuesday's elections are sure to bring changes that will determine what direction our country's economy and policies will move over the next few years. After the November elections, the strong US economy may be threatened by an...


Wednesday, August 1, 2018

Are you unsure about how to invest your portfolio in today’s uncertain economic and political climate? Many investors are concerned that the market could have a major correction, but don’t want to just sit it out while the...


Sunday, July 1, 2018

Travel doesn’t start when you hit the road, and it doesn’t end when you arrive home. Travel is a life-long journey that feeds the soul … increases understanding of the world and our place in it …and inspires...


Friday, June 1, 2018

Q. I’m still young—why should I bother thinking about estate planning now? A. No matter your age, economic level, or marital status, estate planning is something EVERYONE needs to address. No one has a crystal ball to see...


Thursday, May 24, 2018

Fiduciary Duty and Responsibility David Treece is an Accredited Investment Fiduciary, which means he has a duty to always put a client’s interest first. Treece Financial Group follows a fiduciary process that includes a duty of...


Tuesday, May 1, 2018

Q. When is the best time to start my Social Security income? A. You may think it best to start receiving Social Security benefits as soon as you reach full retirement age. However, many Americans underestimate their longevity, so...


Wednesday, March 14, 2018

A bestselling book argues for a new approach to decluttering Click here to read the story on NextAvenue By Shayla Stern Although I’ve never visited Sweden, I find myself attracted to simple, clean-lined architecture and furniture...


Friday, March 9, 2018

Although you may have the best of intentions, you may not be saving enough for retirement. Underemployment, family responsibilities, medical issues, or an unexpected crisis can throw you off your financial planning track. Get...


Friday, March 9, 2018

It's happened again. This time it was dangerously close to home, at Marjory Stoneman Douglas High School in Parkland, just 40 miles from Miami. Another senseless loss of young lives due to gun violence.Along with grieving for the...


Sunday, December 10, 2017

It’s hard to believe, but another year is almost behind us. With January just around the corner, now is a great time to review various items you may want to consider as you get set to enter 2018. Many of the IRS publications...


Monday, November 6, 2017

Families of dying loved ones turn to hospice care services when a diagnosis is terminal and pain-free comfort is the first priority. As the hospice industry grows (there are now more than 4,000 agencies in the nation), however, many...


Wednesday, August 9, 2017

It's more important than ever for baby boomers to plan ahead for future long-term needs in order to have control over choices for quality care! Trump Administration is moving to make it impossible to take nursing homes to court. Some 1...


Monday, July 24, 2017

Consumer sentiment remains high, but has leveled out. According to the latest index of consumer sentiment “the data provide no indication of an imminent downturn nor do the data provide any indication of a resurgent boom in...


Monday, July 24, 2017

As most of you now know, Marcela has moved on from Treece Financial Group where she was David’s personal assistant for many years to pursue her passion in Personal Training. She is an active trainer teaching Functional Fitness...


Monday, May 22, 2017

When it comes to selecting our financial portfolios Mr. Ben Bernanke, former Federal Reserve Chairman, is wise to ask the American people if we are factoring in political risk. It is no surprise speaking to a coworker, a family member...


Friday, April 7, 2017

What is the difference between the old pensions of yesterday and today's 401(k)'s? Employees understand that pensions are good for guaranteed income and many employer's no longer offer them because of the expenses. This leaves a heavy...


Wednesday, March 15, 2017

In the December issue of our newsletter, we shared an article by Robert Shiller of Yale, a Nobel-Prize winning economist, about his CAPE Index. That stands for Cyclically Adjusted Price to Earnings ratio, and in that article, he stated...


Friday, February 24, 2017

Healthcare is a huge issue. It should be no surprise that healthcare reform is in the news so often. My parents, your parents, and the young workers applying for jobs should be interested in what the crystal ball of healthcare holds....


Wednesday, February 15, 2017

Inflation is going up. See our February Newsletter for how we look at this current economy, markets, and political environment. There is a lot of risk in the market, including political risk. By Lucia Mutikani U.S. retail sales rose...


Wednesday, February 8, 2017

As a husband, I easily get confused when talking to my spouse. I know we are different people and I tend to hang onto the words she says. This morning - hardly woken up - we just couldn't communicate our thoughts about our trainer's...


Tuesday, January 31, 2017

Good morning! After stretching my arms I smile as I ardently awake from my restful sleep. With my smartphone at my bedside I reach to see the daily news and tweets. A cohort of mine, that I can not say I readily agree with, posted...


Friday, January 20, 2017

As I watch the inauguration of our 45th President of the United States many questions started circling in my mind... including how our past Presidents were inaugurated. Take the quiz and find out how much you know. By ASSOCIATED PRESS...


Wednesday, January 18, 2017

By TIM HERRERA JAN. 18, 2017 You’ve probably thought about what will happen to your finances, your possessions and maybe even your real estate when you die. But what about your Facebook account? Or your hard-drive backups? For...


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Monday, October 31, 2016

Always do your background checking before investing


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Monday, October 31, 2016

Robocall scams cost Americans $350 million While companies work with the FCC on technical fixes to this scourge, here's what you can do to cut the unwanted calls.


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Includes Isakson amendment to create level playing field, increase access for retirement income solutions


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Opinion: The typical American couple has only $5,000 saved for retirement


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click here to read more


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Who Will Pay For Mom's Or Dad's Nursing Home Bill? Filial Support Laws And Long-Term Care


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Top 10 Medicare Mistakes Common errors can be costly, but here's how to avoid them


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Monday, March 7, 2016

A new study of U.S. law firms looks at how managers' personal political views affect gender roles at work.


Wednesday, March 2, 2016

37 banks into 4


Tuesday, February 9, 2016

Safeguard Your Digital State If you died, what would happen to your email archives,social profiles and online accounts? Without your passwords, your loved ones may be unable to shutdown your Facebook page, access your accounts, and...


Sunday, February 7, 2016

FTC Detects New Social Security Scam You look in your email inbox and see the subject line “Get Protected.” Well, we all want that! Upon opening the email, you learn that the Social Security Administration (SSA) is...


Monday, January 25, 2016

Investing legend Jack Bogle: 'Stay the course'