Hais Team with QCFA

Trump Accounts opened on July 4. A few questions are worth considering:

➡️ Our baby is 18 months old. Do we qualify for the $1,000?

Yes. Every U.S. citizen baby born since January 1, 2025, qualifies for a one-time $1,000 federal contribution.

➡️ Is there an income maximum?

No. Eligibility is based on the child's citizenship and birth date, not family income.

➡️ Our child is 7. Did we miss it?

Not entirely. Any U.S. citizen under 18 can have an account opened. The federal $1,000 payment applies only to children born in 2025 through 2028, but everything else still applies.

➡️ Can grandparents contribute?

Yes. Up to $5,000 per year combined across parents, grandparents, family, and the child themselves.

➡️ What is the catch?

State tax conformity varies; California, for example, does not currently conform.

Whether to contribute, how much, and how to coordinate it with what you already have are all worth talking through. Our team is here for that.

The Treasury Department in January said more than a million people have signed up for Trump accounts. Are you eligible?

We had a fantastic turnout at our Shred Day Event this past Saturday! Team Bourgeois and Team Hais loved seeing so many of our clients come out to safely dispose of their old documents. Thank you to everyone who joined us.
It's always a pleasure serving you beyond the office! 🗂️✂️

At QCFA, our OSJ is led by Chris Hais, working closely alongside Chuck Hais, whose experience and guidance continue to shape our direction as a consultant to the firm. Together, they’ve built a foundation focused on supporting advisors in growing, scaling, and ultimately transitioning their businesses.

Supporting that leadership is a dedicated operations and back-office team. Chip Hais and Beth Hodges work behind the scenes to ensure advisors have the resources, structure, and day-to-day support needed to operate efficiently and stay focused on their clients.

This team has been working together to run and grow the branch since 2009—creating an environment where independence doesn’t mean doing it alone.

If you’re an advisor looking for a team that understands both the business and the day-to-day realities of running a practice, we’d welcome the conversation.

One of our primary roles at Queen City Financial Advisors is working with advisors who are ready to grow—but need the right structure to do it.

That means helping with:
• Operations
• Recruiting
• Technology
• Advisor support systems

We’ve built our model around making advisors more efficient—not more overwhelmed.

If that’s something you’re thinking about, happy to connect.

Merry Christmas from all of us at Queen City Financial Advisors, LLC City Financial Advisors, LLC.

Last week we had the privilege of celebrating the Holidays and another successful year our extended Queen City Family.

A special thank-you to Greyhound Tavern for hosting our advisors, their staff and families for our Annual QCFA Christmas Party! Good food and good times were had by all.

Thank-you to our advisors and their teams for another successful year. We are grateful for each of you and proud of the work that you do for your clients.

Here’s to a successful 2025 and an even brighter 2026 ahead.

1. Please complete your annual compliance requirements!
a. All 2025 required annual Compliance courses and certifications must be completed by Dec. 1
b. Complete your required Recordkeeping Responsibilities for Financial Professionals training, please do so before Dec. 1
c. Recertify Rep Codes: December 5th.
d. Renew your FINRA licenses and state registrations by Dec. 5
e. Submit all FINRA registration and Form U4 requests by Dec. 17.

2. IRS announces higher contribution limits for 401(k)s, IRAs
a. The IRS has announced increased retirement contribution limits for 2026, allowing workers to contribute up to $24,500 to 401(k) plans and $7,500 to IRAs. Those aged 50 and older can contribute up to $32,500 to a 401(k) and $8,600 to an IRA. However, high earners will be required to direct catch-up contributions to Roth 401(k) accounts in 2026.

3. Centers for Medicare & Medicaid Services (CMS) announced increases in premiums, deductibles, and copayments for Medicare Parts A and B for 2026.
a. The new amounts take effect on Jan. 1, 2026. The standard monthly premium for Medicare Part B, which covers outpatient care, doctors’ services, durable medical equipment and preventive service, will be $202.90 in 2026, up $17.90, or nearly 9.7%, from $185.00 in 2025. The annual deductible for all Medicare Part B beneficiaries will be $283 in 2026, an increase of $26 from the annual deductible of $257 in 2025.

4. Osaic has begun offering a discounted subscription to a financial safety platform called Carefull.
a. “Carefull is a financial safety platform designed to help protect clients and their families from increasing risks such as fraud, scams, identify theft, and more.”
b. This platform seems very intriguing but I know very little about it at this point. For anyone interested, I have scheduled a 12/1 demo and will report back with more information at that time.

At QCFA, we’re in the business of helping independent financial advisors amplify their success. As a family-owned OSJ, we deliver tailored business support—not just regulatory oversight. You’ll benefit from:
1. Full-service marketing and branding support to elevate your presence and accelerate growth
2. Active broker-dealer intercession, giving you a voice and streamlined communication upstream
3. A collaborative, family-style culture where your independence is supported—not isolated
4. Regular subject-matter expert trainings covering business strategy, compliance, and practice management
Join QCFA and pair your advisory independence with reliable partnership.

If you're looking for something to do today or this weekend. This great store is having their Grand Opening today. Greater Harrison Chamber of Commerce

As always, our group had fun volunteering at Matthew 25 Ministries. This time, we were lucky enough to get a tour of their entire facilities.

Matthew 25 is a common choice for us because of the impact that they have on regions inside the country and beyond that have been devastated by weather and other factors. They have teamed up with Amazon recently to receive Amazon’s non-resalable items that have been returned to the stores. We sorted through these items and helped to organize them into different sections.

As we completed, we had the opportunity to tour the entire facility. Everything from their processing and warehouse, all the way back to their new event center and chapel. If you are looking for a neat spot to hold a large event or a church service, look no farther than Matthew 25.