Lorna Allen, M.S., MBA, RICP Financial Services for Professionals

10/23/2026

📌 Higher rates sting borrowers, but they can be a real win for savers.

As rates rise, banks may increase the yields they offer on savings products to attract deposits. The average U.S. savings account still pays just 0.64% annual percentage yield. Some high-yield accounts are paying more than six times that, up to 4.2%, for the exact same deposit.

🔎 Certificates of deposit, or CDs, can offer even higher rates, but the tradeoff is access: your money is locked in for a set term, and pulling it out early usually costs a penalty.

Higher yields don’t erase the effects of inflation, and they won’t necessarily transform household finances. But if your savings account is still earning close to that 0.64% average, that gap alone might be worth a second look.


Source:

The Federal Reserve recently raised interest rates for the first time since 2023.

10/21/2026

Divorce is a painful process. Avoid financial mistakes that may have life-long consequences.

By understanding a few key concepts during a divorce, you may be able to avoid common pitfalls.

10/19/2026

10/16/2026

Planning for retirement can feel overwhelming, but with the right guidance, we can make it a seamless process. Let's start the conversation about your retirement goals and aspirations. Are you on track with your retirement savings? What retirement lifestyle do you envision for yourself?

10/14/2026

🗓️Medicare Open Enrollment Begins October 15 🗓️

Whether it’s for yourself, a parent, or someone you care about, Medicare Open Enrollment is the window to review coverage and explore options for the upcoming year.

💡Remember, you can change your Medicare elections every year. If your needs have changed, it's worth reviewing to see if another option would be better. If you’re unsure where to start, now’s the time to ask questions and get the facts.

🗓️ Deadline: December 7 🗓️

🔍 Mark your calendar and double-check your current coverage before time runs out.

10/12/2026

A few simple habits can go a long way toward helping keep your personal and financial information protected. How does cybersecurity connect to your broader financial picture? What steps are you taking at home and with your business?

10/09/2026

Find your row first, then look one row up.

That's the difference starting 5 years earlier can make.

At a hypothetical 8% annual return, the difference between starting at 40 vs. 35 on a $500/month contribution is over $200,000 by the time you reach 65. Not because of more money—just more time.

Time in the market is not just valuable, it's the whole game.

Which row did you land on—and did it surprise you?

10/07/2026

October is Breast Cancer Awareness Month.

We take this time to honor the strength of those who have faced a diagnosis, support those currently going through it, and recognize the families and communities who stand beside them.

Awareness matters. Support matters. Presence matters.

We stand with you.

10/05/2026

10/02/2026

Let's talk about optimizing your cash flow. What are your biggest challenges when it comes to managing your cash flow effectively?