Gary T. Moss Jr., CFP, APMA

10/01/2026

Another quarter in the books.

As Q3 comes to a close, we're grateful for the trust our clients place in us and proud of the team that helps make a difference every day. Through meaningful conversations, strong relationships, and a shared commitment to serving others, we've had the opportunity to help clients stay focused on what matters most.

Thank you to our clients and our incredible team for a great quarter. We're excited for what's ahead in Q4.

09/29/2026

Don't let market uncertainty derail your financial confidence. Join us on Tuesday, October 13, 2026, at 11:30 a.m. EST as Mark Walker presents an insightful discussion on today's market landscape. Gain perspective on key economic trends, learn what's driving market volatility, and explore strategies designed to help you stay focused on what matters most: your long-term financial goals.

Gary T Moss Jr is an Ameriprise Private Wealth Advisor serving the Boone, NC area. Get the personal financial advice you need to achieve your goals.

09/15/2026

Did you know that healthcare expenses are one of the largest costs many retirees face?

While most people spend years preparing for retirement, healthcare costs are often underestimated. Even with Medicare, retirees may still be responsible for premiums, deductibles, copays, prescription costs, and long-term care expenses.

A few questions worth considering:
• Do you know what Medicare does and doesn't cover?
• Have you reviewed your Health Savings Account (HSA) strategy?
• Could a major healthcare event impact your retirement income plan?
• Have you discussed long-term care options with your family?

Planning for healthcare is just as important as planning for retirement income. Taking time now to understand your options can help reduce stress and provide greater confidence in the future.

What's one healthcare or Medicare question you've always wanted answered? Share it in the comments.

https://bit.ly/4h25jeU

09/11/2026

Today marks the 25th anniversary of September 11. We pause to remember the lives lost, honor the heroes who responded, and reflect on the strength that carried our nation forward.

Never forgotten.

09/07/2026

Today, we celebrate the hard work, dedication and perseverance that shape our lives in meaningful ways every day.

Wishing you a relaxing and well-earned Labor Day!

09/03/2026

Medicare plans change – and so do your needs. Even if your coverage seems to be working, a quick annual review could save you money and headaches.

Why should you revisit your Medicare benefits during open enrollment?

08/27/2026

How do you know if you're on track for retirement?

One of the most common questions we hear from clients is, "Am I saving enough?"

While everyone's financial situation and retirement goals are unique, it can be helpful to see how your savings compare to others in your age group. A recent Fidelity study found that average retirement account balances vary significantly across generations, highlighting the importance of starting early, staying consistent, and maintaining a long-term perspective.

The study also reinforces an important principle: individuals who consistently contribute to their retirement accounts over time tend to build substantially larger balances than those who save sporadically.

At Ameriprise, we believe retirement planning is about more than comparing numbers. It's about understanding your goals, creating a personalized strategy, and making informed decisions that help you stay on track through every stage of life.

Whether you're just beginning your career, approaching retirement, or already enjoying retirement, having a plan in place can help provide clarity and confidence for the future.

If you've been wondering whether your retirement strategy is aligned with your goals, now is a great time to review your progress and make sure your financial plan reflects where you want to go.

Link to Fidelity article: https://bit.ly/4xos17L

08/24/2026

Back-to-school season is a reminder that preparation creates confidence.
As families get backpacks packed, schedules organized, and goals set for a new school year, it's also a great time to think about your financial future. Just like a successful school year starts with a plan, long-term financial success starts with small, intentional steps taken today.

Whether you're saving for education, preparing for life's milestones, or working toward retirement, having the right strategy can help you stay focused on what matters most.

This season, give yourself the same gift you give your students: a strong foundation for success.

https://bit.ly/4is0Sw4

Gary T Moss Jr is an Ameriprise Private Wealth Advisor serving the Boone, NC area. Get the personal financial advice you need to achieve your goals.

08/18/2026

Downsizing isn’t just a move — it’s a meaningful life transition.

While it can bring less upkeep and more flexibility, it also introduces important financial decisions around equity, taxes, and lifestyle changes.

This article outlines what to consider before making a move.

Find out what to consider when downsizing and how a new home in retirement may affect your financial situation.

08/10/2026

What would make you say, “Yep…this is the retirement I pictured”? Reach out, and we’ll build a strategy to help support the life you want – not just the number you need.