Grace Wealth Management Group, Inc.

09/29/2026

🏛️ The Federal Reserve raised its benchmark interest rate this week for the first time in three years, lifting the federal funds rate a quarter point to a range of 3.75% to 4%. Most officials expect at least one more increase before the year's end.

A few things are driving the move:
▪️Energy prices have climbed amid global tensions
▪️Spending tied to AI infrastructure has surged
▪️Together, they've pushed inflation above the Fed's 2% goal

The effects reach different corners of your budget in different ways:
▪️Credit cards and auto loans tend to reprice quickly
▪️Mortgage rates track longer-term Treasury yields, which have also climbed, pushing the 30-year average to nearly 7%

💼 The labor market has held steady through it all, with unemployment at 4.1%.

This is exactly the kind of shift worth talking through together, especially anywhere it touches your own borrowing or spending decisions.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals. Please use the link below to select a convenient time on my calendar:


Source: https://www.wsj.com/economy/central-banking/fed-raises-rates-for-first-time-in-three-years-08539fbe

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09/09/2026

Is your estate strategy full of cobwebs? Does your investing approach have too many tricks and not enough treats? Does your retirement timeline read like a ghost story?

These things have a way of going bump in the night.

Knowing where you stand is the first step.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals. Please use the link below to select a convenient time on my calendar:
https://calendly.com/jpeters-12

08/25/2026

Sometimes the smallest details make the biggest difference. This post reminds small business owners that retirement benefits aren't just for big companies, and that something as straightforward as number of employees can determine whether a SEP-IRA or SIMPLE IRA is the better fit.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals. Please use the link below to select a convenient time on my calendar:
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08/06/2026

Retaining great employees starts with showing them their future matters. This post spotlights the SIMPLE IRA as an accessible retirement option designed with smaller teams in mind, giving business owners a specific, tangible reason to start the conversation.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals. Please use the link below to select a convenient time on my calendar:
https://calendly.com/jpeters-12

07/24/2026

When it comes to small business retirement options, the choices can feel overwhelming. This post highlights that a SEP-IRA, SIMPLE IRA, and 401(k) are structured differently, and that the right fit depends on business size, number of employees, and overall goals.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals. Please use the link below to select a convenient time on my calendar:
https://calendly.com/jpeters-12

07/21/2026

Small business owners often think of their employees as family, but are they set up like it? This post opens the conversation around retirement options available to small business employees, reminding owners that a 401(k) isn't the only choice and that some options are built specifically for smaller teams.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals. Please use the link below to select a convenient time on my calendar:
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07/02/2026

A bipartisan housing bill is drawing attention for its potential impact on home prices and housing supply.

The 21st Century ROAD to Housing Act would aim to boost housing availability by reducing certain construction barriers, encouraging zoning reforms, supporting factory-built homes, and creating incentives for localities that increase housing supply.

It would also restrict large institutional investors from buying additional existing single-family homes once they exceed certain ownership limits.

Housing affordability has become a major challenge in many communities. One reason is that the U.S. has built fewer homes than needed for years, helping push prices and rents higher.

Experts say the bill could help support new construction over time, especially for townhomes, multifamily housing, and smaller condo buildings.

However, any impact on prices would likely take time, and the legislation was still awaiting final action after a scheduled signing ceremony was canceled.

For buyers, sellers, and homeowners, the broader takeaway is that housing affordability often depends on more than mortgage rates. Supply, construction costs, local rules, investor activity, and policy decisions can all shape the market.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals during these times. Please click my link or logo/picture below to select a convenient time on my calendar:
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Source: https://www.cbsnews.com/news/road-to-housing-act-home-prices-senate/

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06/18/2026

Federal Reserve officials appear increasingly focused on how persistent inflation could shape future interest rate decisions.

Minutes from the most recent Fed meeting show that many officials supported keeping rates steady, while also noting that higher rates could become appropriate if inflation remains above the central bank’s 2% target.

The meeting also reflected a notable level of disagreement. The committee voted to hold its benchmark rate at 3.5% to 3.75%, but four members dissented — the highest number of dissents since 1992.

A key issue was whether the Fed’s statement should continue to suggest that a rate cut remained the more likely next move. Several officials preferred more flexible language, given ongoing inflation pressures.

For households and businesses, these discussions matter because interest rate decisions can influence borrowing costs, savings yields, mortgage rates, credit card rates, and broader economic conditions.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals during these times. Please click my link or logo/picture below to select a convenient time on my calendar:
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Source: https://www.cnbc.com/2026/05/20/fed-officials-see-rate-hike-ahead-if-inflation-stays-elevated-minutes-show.html

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06/16/2026

Treasury yields have risen as bond prices have fallen, reflecting renewed attention to inflation, interest rates, and investor sentiment.

Treasurys are U.S. government bonds, and their yields often move based on expectations for inflation, economic growth, and Federal Reserve policy.

When inflation remains elevated, investors may expect interest rates to stay higher for longer. That can make existing bonds less attractive, pushing prices down and yields up.

Higher Treasury yields can also affect other parts of the economy. The 10-year Treasury, for example, is closely tied to mortgage rates, which can influence homebuyers' borrowing costs.

Rising yields may also affect corporate borrowing, stock valuations, and the broader cost of capital.

While higher yields can signal concern, they can also reflect a market adjusting to new economic data. For consumers and businesses, the key takeaway is that bond market movement can ripple into borrowing costs and financial decisions over time.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals during these times. Please click my link or logo/picture below to select a convenient time on my calendar:
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Source: https://www.cbsnews.com/news/treasury-yields-rising-inflation-fed-rate-cuts/

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05/26/2026

Every earnings season is different, but the influence of a handful of companies is undeniable.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals during these times. Please click my link or logo/picture below to select a convenient time on my calendar:
https://calendly.com/jpeters-12