Blog
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!
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 linked in our posts. They appear simply for educational purposes.
Don’t Let Cash Sit Idle in a High-Rate Environment
You may be stuck in a frustrating position: you don’t want to risk market losses, but your cash and CDs aren’t keeping up. Where can you go for higher returns without taking market risk?
Read MoreWhy Trust Matters for LGBTQ+ Folx When It Comes to Money
Hi, I’m David Treece. I’ve been out as a gay man since I was a teenager. My husband, Luis, and I have been together for almost 40 years. I’ve also worked as a financial advisor for over 30 years. When it comes to money, trust matters....
Read MoreWhy the U.S. Dollar’s Global Dominance Is Built to Last
As the U.S. nears its 250th birthday, one legacy stands out: the U.S. dollar’s rise to the center of the global financial system.
Read MoreClaim What's Yours: The Gay Divorceé
An excerpt from my book, Take Pride In Your Money: LGBTQ+ Financial Empowerment Stories & Strategies Divorce is a difficult life transition to navigate—no matter the genders of the spouses. There are countless repercussions, including...
Read MoreQ2 2026 Market Outlook | Staying on Course Amid Geopolitical Uncertainty
Despite elevated geopolitical uncertainty, the economic and market backdrop entering 2026 remains largely on track. U.S. growth could surprise to the upside, supported by deferred activity, larger tax refunds, and solid underlying demand.
Read MoreShow All
LGBTQ+ Financial Planning: When the Younger Spouse Dies Unexpectedly
In LGBTQ+ couples with a large age gap, it's often assumed the older partner will die first. However, nothing is certain in life. It's crucial to plan for every scenario, as the surviving spouse may be surprised by unintended consequences.
Read MoreA Queer Lens on End-of-Life Planning: Unique Needs, Challenges, and Solutions
Whether you are beginning to think about advance care planning, supporting a loved one, or seeking a queer-affirming space to explore grief and legacy, this series offers meaningful guidance and community support.
Read MorePronouns, Portfolios, and Power: Aligning Trans Identity with Financial Strategy
The 'T' Also Stands for Trust: If you’re transgender, chances are you’ve had to fight hard for basic recognition—let alone respect. When it comes to finances—one of the most personal areas of life—you deserve more than just tolerance.
Read MoreMajor Escalation in the Middle East Adds Fresh Uncertainty for Markets
The Cetera Investment Management team breaks down the recent escalation in the Middle East, what it could mean for energy markets and inflation, and why global equities may avoid a disorderly selloff.
Read MoreWealth + Wellbeing: Complimentary support programs and resources from TreeceFi
TreeceFi offers many support programs and resources to help solo agers and LGBTQ+ older adults build wealth AND enhance their wellbeing. No matter what age or stage you're at on your life journey, we're beside you every step of the way.
Read MoreTake Pride in Your Money: Claim the Power of Your LGBTQ+ Dollars
I never imagined that after many years of fighting for LGBTQ rights, we would be at this point in our country’s history. The queer community needs to use the power of our queer money to protect ourselves, build resilience, and force change.
Read More2026 Annual Outlook | Economic Resilience Meets Elevated Expectations
As we enter 2026, the U.S. economy faces a mix of structural shifts and fiscal changes—from automation and AI to retroactive tax cuts. Explore how these forces may shape growth, inflation, and market dynamics and find insights on equity val
Read MoreTreece Tips to Prepare for Tax Return Filing Season
With tax season on the horizon, a little preparation now can make the process much smoother later. This time of year often brings plenty of paperwork and deadlines, so consider this a friendly nudge to start gathering what you’ll need.
Read MoreHow To Get A Handle on Lifestyle Creep
Did you know that nearly 7 in 10 U.S. households are now living paycheck to paycheck? That’s up from 60% just a year ago—the highest level Debt.com has reported in eight years.1 Rising prices and a cooling job market are big factors,...
Read MoreBuilding Your Wealth with a Roth IRA
As you are building your wealth and saving for retirement, a Roth IRA could be a tax-advantaged solution for you to invest your money and boost your retirement savings. Money that goes into a Roth IRA is after-tax dollars. Because...
Read MoreGovernment Reopens, but Data Vacuum Persists
In this latest commentary, the Cetera Investment Management Team looks at why markets pulled back despite the government reopening—and what’s driving investor uncertainty. With official economic data delayed and Fed policy in question...
Read MoreWhat's new for your 2025 year-end planning checklist?
From “super catch-up” contributions for those nearing retirement to new updates under the One Big Beautiful Bill Act (OBBBA), now is the perfect time to ensure your year-end planning is on track. Check out what you need to know!
Read MoreMaximizing 529 College Plan Savings Under FAFSA 2025 Updates
Financial Advocacy As the cost of higher education continues to escalate , proactive financial planning has become a necessity for parents. One popular method of saving for future educational expenses is through 529 plans . These plans...
Read More8-Point Retirement Plan Review: Make the Most of Meeting With Your Financial Advisor
Reviewing your retirement plan annually with your financial advisor is an important checkpoint to make sure your finances are keeping up with changes in your lifestyle, priorities, and health.
Read MoreRedefining the Middle Class: From Boomers to Zoomers
That Was Then: Boomers Define The Dream The middle class in the United States has historically been central to economic and social stability. In the mid-20th century, the middle class not only grew in numbers but also in prosperity....
Read MoreBesieged By Zombie Debt? How to Defend Yourself
Financial Advocacy "Zombie debt" is older debt typically written off as bad debt by the original creditor and sold to collection agencies for pennies on the dollar. Most of the debt sold is three to six years old in most states (even...
Read MoreBe Medicareful! Maximizing Your Benefits
Retirement Planning Like Social Security, Medicare is one of the most important programs for older Americans, and yet, most people who are not yet receiving benefits do not understand it. I often hear people mix up Medicare and...
Read MoreCultivate a Positive Money Mindset to Get What You Want
Your thoughts, beliefs, and attitudes towards money deeply influence your financial reality. There are countless inevitable financial downfalls in our lives. Investments move with the market. Life events like job loss, divorce, the...
Read MoreHow Caregivers Can Stabilize Their Financial Future
Flight attendants always tell you to place the oxygen mask on YOURSELF first before helping anyone else. This advice also applies if you are a primary caregiver. You may find yourself not being able to help your loved one OR yourself.
Read MoreTariffs, Tumbling Markets & Long-Term Thinking: A Buffett-Inspired Guide for Investors
Market News In times like these—when headlines scream, markets swing wildly, and everyone seems to be either panicking or speculating—it’s easy to get caught in the emotional storm of investing. The recent resurgence of tariffs and...
Read MoreAnnuities: Finding Clarity Despite Conflicting Advice
Suze Orman is a fantastic resource for many people. I admire her ability to simplify complex financial concepts. She has a strong consumer advocacy stance that’s incredibly valuable in a world where financial literacy isn’t as...
Read MoreBe A Force for Good: ESG Considerations In Your Investment Strategy
Financial Advocacy "Sustainability is no longer about doing less harm. It's about doing more good."—Jochen Zeitz In the midst of a rapidly evolving global landscape, ESG (Environmental, Social, and Governance) considerations have...
Read MoreFast Financial 101: Is It Time For A Money Mindset Makeover?
Financial Advocacy Financial advisors are required to pass intense securities exams and have enormous technical knowledge about finance, investing, taxes, and more. However, beyond creating a financial plan, managing investments, and...
Read MoreLongevity: An Underestimated Factor in Retirement Planning
Retirement Planning Ahhhhh, retirement! For many, it’s one of life’s most joyful transitions and marks the beginning of a new chapter filled with opportunities for well-deserved relaxation, exploration, and personal growth. Are your...
Read MoreSocial Security Solvency: 7 Common Myths
Social Security Social Security isn’t just a paycheck in retirement—it’s the backbone of financial security for millions of Americans. Yet, for all its importance, Social Security is shrouded in myths that can leave you second-guessing...
Read MoreTreece on Trump: Red States, Blue Dollars
Market News Let’s expose some political misinformation and harmful myths. Today, I want to tackle a stereotype that’s been around for ages: the idea that all our federal welfare dollars go to “collapsing inner cities” filled with...
Read MoreTwo Retirement Accounts Walk into a Bar: 403(b) and Roth IRA Explained
When deciding what types of retirement accounts you may need, it’s important to understand how your various options compare to each other. A few options you may have are 403(b) plans and Roth IRAs. It’s good to know how these two...
Read MoreTake Control in a Time of Change and Uncertainty
Healthy Lifestyle In moments of political shifts and uncertainty, it’s natural to feel unsettled. But these times also offer an opportunity for growth, resilience, and a deeper connection to what truly matters. As we move forward from...
Read MoreOverseas Adventures: Why Retiring Outside the U.S. Is On The Rise
Retirement Planning As someone who works with businesses and individuals on their financial planning options, I often hear the question: "Can I afford to retire?" Then there are the adventurers who ask “What about retiring abroad?”...
Read More4 D’s That Can Derail Your Retirement
Retirement Planning While retirees have vastly different ideas about how they will spend their retirement years, nearly all share a single goal: to maintain their desired standard of living throughout retirement. Yet, circumstances...
Read MoreTreece On Trump: 2025 Predictions, Politics & Pitfalls
Around this time every year, the question starts buzzing: What will the stock market do next year? Predictions roll in from analysts, pundits, and financial firms, and while some are insightful, others can be downright comical. I’ve...
Read MoreDon't Derail Your Retirement: Maintaining Your Lifestyle After Losing a Spouse
Investment & Retirement Even the most meticulously planned retirements can be thrown off course by the unexpected loss of a spouse. This emotional blow can be compounded by financial hardship if proper planning for your partner's death...
Read MoreAnnuities: Separating Fact from Fiction
When it comes to annuities, opinions are divided. But is it time to reconsider? The SECURE Act: A Game-Changer The Setting Every Community Up for Retirement Enhancement (SECURE) Act, passed in 2019, revolutionized retirement plans. For...
Read MoreFast Financial 101: My Proactive Investment Philosophy
Every advisor has an investment philosophy, and mine is different than most. As a retirement planning specialist, I help people accept risks to manage their funds. This is especially important for those nearing or in retirement. Risk...
Read MoreStudent Loans, Forgive Me
Financial Advocacy Navigating the Complexities of Student Loan Repayment or Forgiveness Options With the recent spotlight on Biden student loan forgiveness and ongoing debt relief efforts, understanding the maze of options, including...
Read MoreESG Investing in Flux: What You Need to Know and Where We're Headed
In the evolving landscape of environmental, social, and governance (ESG) investing, recent developments in the United States have added layers of complexity to the ongoing conversation. New Hampshire Republicans may make it illegal to...
Read MoreHow to Take Advantage of Disability Benefits
You’ve worked hard to save and make a plan to ensure you have income for life throughout your retirement. However, I’ve learned in my 30+ years of helping clients plan for retirement that an unexpected accident, injury, or medical...
Read MoreDon't Let Debt Derail Your Retirement: 3 Ways to Pay It Off
Everyone shares a common goal when it comes to financial planning: securing their finances to maintain their desired standard of living. Debt is one of the primary obstacles to achieving this goal. According to the State of Retirement...
Read MoreDon't Let Divorce Derail Your Retirement: How To Protect Your Finances
You and your life partner have probably talked, dreamed, and planned about how you’ll be spending your retirement years. However, in some cases, when the relationship doesn’t go the way you planned, life can often find you on a path...
Read MoreAnnuities: The "A-Bomb" of Investments
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 be a little bit more involved because you've got a...
Read MoreThe Long-Term Care Conundrum: A Comprehensive Guide to Your Options
Aging Support Have you recently received a letter from your insurance company asking you to make an expensive choice on your in-force long-term care (LTC) policy? You're not alone. What to do when your rates take a hike Many insurance...
Read MoreReady to launch a career and start adulting?
Getting your first job after college or high school is both exciting and stressful, right? I totally get it! It's a massive change that comes with new challenges and responsibilities. It can be overwhelming to know where to begin when...
Read MoreMaking Sense of ESG and SDGs: A Guide to Responsible Investing
Financial Advocacy No, ESG isn't bullsh*t. Although this may sound like a hippie-dippy concept, ESG investing is a major factor in today's world of business. It is a widely recognized framework that is used by investors, analysts, and...
Read MoreGetting Financially Naked with Your Partner
Money Management , Financial Planning , Lifestyle , Female Finance When you’re half of a couple, you both have the responsibility for keeping the relationship a fun, healthy and happy one. However, many couples keep financial skeletons...
Read MoreDon’t Let Past Financial Decisions Dictate Your Future
Whatever you resolve to accomplish this year, it’s important that you don’t allow past behaviors or decisions that have held you back to dictate your future. That’s a formula for remaining in place, not moving ahead.
Read More