Wealth Planning by Bob Chitrathorn

10/08/2026

Over time, market movements can change the mix of investments within a portfolio.

Rebalancing means making adjustments to bring that mix back toward its intended allocation and keep it connected to the investment strategy.

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10/07/2026

If you've solved the same problem three times, you don't have a work ethic problem — you have a missing system.

10/07/2026

Sometimes we hold ourselves to decisions we made for a version of life that no longer exists.

Maybe you planned to retire at 65, but your work still feels meaningful. Maybe you always pictured staying in your home, but now you'd rather have the freedom to travel. Maybe supporting family or giving back has become more important than something you spent years saving toward.

As life gives us new experiences, our priorities have a way of evolving with them.

Your financial plan should leave room for that.

10/07/2026

Somewhere in your 50s and 60s, the financial picture tends to get more crowded. Income may be at its peak, but so are the calls on it. There are many things that may be competing for your financial resources: an adult child navigating...

Somewhere in your 50s and 60s, the financial picture tends to get more crowded. Income may be at its peak, but so are the calls on it. There are many things that may be competing for your financial resources: an adult child navigating a tight job market, aging parents who need...

10/06/2026

Twenty years ago, a Domino's IT guy built the Domino's Pizza Tracker. Today, it's why your Uber and DoorDash look the way they do.

10/06/2026

Me after reading one dramatic financial headline before breakfast.

Financial news can be useful context, but every headline doesn't automatically call for action.

A long-term strategy gives you something more useful to come back to: your goals, timeline, and circumstances.

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10/06/2026

The most meaningful giving often starts with a simple question: What do I want this gift to make possible?

Maybe it’s giving a student an opportunity they otherwise wouldn’t have. Preserving a place that matters to your family. Supporting research that has touched your life. Or strengthening an organization that has served your community for decades.

When you start with the impact you hope to make, charitable planning becomes a much more personal conversation.

10/05/2026

The Department of Education announced the opening of the application on Wednesday, marking the earliest launch of the college financial aid application

10/05/2026

Everyone wants the victory, but not everyone is willing to put in the work behind it.

Success requires patience, discipline, sacrifice, and the willingness to keep going when nobody is watching.

The price is high, but so is the reward.

10/05/2026

Yields have surged to multi-decade highs, raising questions about inflation, interest rates, and what's next for investors. Join CIO Gene Goldman on this week's episode of as he unpacks what's driving the move in bond yields, why higher rates aren't all bad news, and the key catalysts that could bring relief in the weeks ahead.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...