Cereus Financial Advisors, LLC

10/07/2026

𝗔𝗿𝗲 𝘆𝗼𝘂 𝘀𝗲𝗹𝗳-𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗱? 𝗗𝗼𝗻'𝘁 𝗳𝗼𝗿𝗴𝗲𝘁 𝗮𝗯𝗼𝘂𝘁 𝘀𝗲𝗹𝗳-𝗲𝗺𝗽𝗹𝗼𝘆𝗺𝗲𝗻𝘁 𝘁𝗮𝘅. 💼

If you earn income as a freelancer, independent contractor, sole proprietor, or through a side business, you may owe self-employment tax in addition to federal income tax.

𝗛𝗲𝗿𝗲'𝘀 𝘄𝗵𝗮𝘁 𝘁𝗼 𝗸𝗻𝗼𝘄:
✔️ The self-employment tax rate is 15.3%
• 12.4% funds Social Security
• 2.9% funds Medicare

✔️ In 2026, the Social Security portion applies to the first $184,500 of combined wages and net self-employment earnings.

✔️ If your net earnings from self-employment are $400 or more, you generally must file Schedule SE with your Form 1040.

✔️ Some higher-income taxpayers may also owe an additional 0.9% Medicare tax if income exceeds:
• $200,000 (single filers)
• $250,000 (married filing jointly)
• $125,000 (married filing separately)

Many people don't realize self-employment tax applies even if they're already employed full-time. A side hustle, consulting work, or freelance business may create additional tax obligations.

Understanding how these taxes work can help you avoid surprises and plan ahead.

𝗛𝗮𝘃𝗲 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗮𝗯𝗼𝘂𝘁 𝗵𝗼𝘄 𝘀𝗲𝗹𝗳-𝗲𝗺𝗽𝗹𝗼𝘆𝗺𝗲𝗻𝘁 𝗶𝗻𝗰𝗼𝗺𝗲 𝗮𝗳𝗳𝗲𝗰𝘁𝘀 𝘆𝗼𝘂𝗿 𝘁𝗮𝘅𝗲𝘀 𝗼𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗹𝗮𝗻? 𝗪𝗲'𝗿𝗲 𝗵𝗲𝗿𝗲 𝘁𝗼 𝗵𝗲𝗹𝗽. cereusfinancial.com

𝘋𝘪𝘴𝘤𝘭𝘰𝘴𝘶𝘳𝘦: 𝘊𝘦𝘳𝘦𝘶𝘴 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘈𝘥𝘷𝘪𝘴𝘰𝘳𝘴, 𝘓𝘓𝘊 𝘪𝘴 𝘢 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘦𝘳. 𝘗𝘰𝘴𝘵𝘴 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘢𝘯𝘥 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺—𝘯𝘰𝘵 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘰𝘳 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦 𝘧𝘰𝘳 𝘢𝘯𝘺𝘰𝘯𝘦’𝘴 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘍𝘶𝘵𝘶𝘳𝘦 𝘳𝘦𝘴𝘶𝘭𝘵𝘴 𝘤𝘢𝘯𝘯𝘰𝘵 𝘣𝘦 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥. 𝘚𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘵𝘰 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘸𝘩𝘦𝘳𝘦 𝘊𝘦𝘳𝘦𝘶𝘴 𝘢𝘯𝘥 𝘪𝘵𝘴 𝘳𝘦𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘷𝘦𝘴 𝘢𝘳𝘦 𝘱𝘳𝘰𝘱𝘦𝘳𝘭𝘺 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘥 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵 𝘧𝘳𝘰𝘮 𝘭𝘪𝘤𝘦𝘯𝘴𝘶𝘳𝘦.

10/02/2026

𝗔𝗜-𝗿𝗲𝗹𝗮𝘁𝗲𝗱 𝗹𝗮𝘆𝗼𝗳𝗳𝘀 𝗮𝗿𝗲 𝗺𝗮𝗸𝗶𝗻𝗴 𝗵𝗲𝗮𝗱𝗹𝗶𝗻𝗲𝘀—𝗯𝘂𝘁 𝘁𝗵𝗲 𝗯𝗶𝗴𝗴𝗲𝗿 𝗽𝗶𝗰𝘁𝘂𝗿𝗲 𝗶𝘀 𝗺𝗼𝗿𝗲 𝗰𝗼𝗺𝗽𝗹𝗶𝗰𝗮𝘁𝗲𝗱.
Some companies are directly replacing certain tasks with AI. Others are redesigning their workforces, shifting resources toward new skills and capabilities, or using AI as one piece of a broader restructuring strategy.

At the same time, broader economic data has not yet shown the kind of widespread job displacement that some of the headlines might suggest. The evidence so far points to a labor market in transition, not a simple story of AI replacing workers across the economy.

For investors, the takeaway is to look beyond the announcement itself. The more meaningful questions are whether AI investments are actually translating into greater productivity, stronger margins, sustainable cash flow, and long-term value.

The headline is real. The explanation is incomplete. Give us a call if you'd like to discuss: 201.848.6802.

𝘋𝘪𝘴𝘤𝘭𝘰𝘴𝘶𝘳𝘦: 𝘊𝘦𝘳𝘦𝘶𝘴 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘈𝘥𝘷𝘪𝘴𝘰𝘳𝘴, 𝘓𝘓𝘊 𝘪𝘴 𝘢 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘦𝘳. 𝘗𝘰𝘴𝘵𝘴 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘢𝘯𝘥 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺—𝘯𝘰𝘵 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘰𝘳 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦 𝘧𝘰𝘳 𝘢𝘯𝘺𝘰𝘯𝘦’𝘴 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘍𝘶𝘵𝘶𝘳𝘦 𝘳𝘦𝘴𝘶𝘭𝘵𝘴 𝘤𝘢𝘯𝘯𝘰𝘵 𝘣𝘦 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥. 𝘚𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘵𝘰 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘸𝘩𝘦𝘳𝘦 𝘊𝘦𝘳𝘦𝘶𝘴 𝘢𝘯𝘥 𝘪𝘵𝘴 𝘳𝘦𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘷𝘦𝘴 𝘢𝘳𝘦 𝘱𝘳𝘰𝘱𝘦𝘳𝘭𝘺 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘥 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵 𝘧𝘳𝘰𝘮 𝘭𝘪𝘤𝘦𝘯𝘴𝘶𝘳𝘦.

09/30/2026

𝗪𝗼𝗿𝗸𝗶𝗻𝗴 𝗶𝗻 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗱𝗼𝗲𝘀𝗻’𝘁 𝗻𝗲𝗰𝗲𝘀𝘀𝗮𝗿𝗶𝗹𝘆 𝗺𝗲𝗮𝗻 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻 𝗳𝗮𝗶𝗹𝗲𝗱.
For many people, retirement is no longer a hard stop between working and not working. It can be a gradual transition that includes part-time work, consulting, seasonal opportunities, mentoring, or even starting a small business.

Continuing to earn income may also add flexibility to your financial plan. Even modest earnings could help cover expenses such as travel, property taxes, healthcare costs, or gifts to family—potentially allowing long-term investments more time to remain invested.

But there’s more to consider than the paycheck. Working during retirement can affect decisions surrounding Social Security, taxes, retirement contributions, Medicare, and portfolio withdrawals.

The goal isn’t necessarily to recreate the busiest years of your career. It’s to decide which parts of work you’d like to keep—and which ones you’re ready to leave behind.

At Cereus Financial Advisors, we can help you look at how work fits into the bigger picture and build a retirement plan around the life you actually want to live.

𝘋𝘪𝘴𝘤𝘭𝘰𝘴𝘶𝘳𝘦: 𝘊𝘦𝘳𝘦𝘶𝘴 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘈𝘥𝘷𝘪𝘴𝘰𝘳𝘴, 𝘓𝘓𝘊 𝘪𝘴 𝘢 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘦𝘳. 𝘗𝘰𝘴𝘵𝘴 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘢𝘯𝘥 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺—𝘯𝘰𝘵 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘰𝘳 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦 𝘧𝘰𝘳 𝘢𝘯𝘺𝘰𝘯𝘦’𝘴 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘍𝘶𝘵𝘶𝘳𝘦 𝘳𝘦𝘴𝘶𝘭𝘵𝘴 𝘤𝘢𝘯𝘯𝘰𝘵 𝘣𝘦 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥. 𝘚𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘵𝘰 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘸𝘩𝘦𝘳𝘦 𝘊𝘦𝘳𝘦𝘶𝘴 𝘢𝘯𝘥 𝘪𝘵𝘴 𝘳𝘦𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘷𝘦𝘴 𝘢𝘳𝘦 𝘱𝘳𝘰𝘱𝘦𝘳𝘭𝘺 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘥 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵 𝘧𝘳𝘰𝘮 𝘭𝘪𝘤𝘦𝘯𝘴𝘶𝘳𝘦.

09/28/2026

𝗟𝗮𝘀𝘁 𝗰𝗵𝗮𝗻𝗰𝗲 𝘁𝗼 𝗿𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗳𝗼𝗿 𝗼𝘂𝗿 𝗙𝗥𝗘𝗘 𝘄𝗲𝗯𝗶𝗻𝗮𝗿!

It's tonight!

📆 Monday, September 28, 2026
🕑 7:30 – 8:30 PM
📍 Zoom Webinar

Learn more and register here: https://tinyurl.com/v5mh3mvv

With many private colleges topping $90,000 a year (including room and board) and public universities quickly catching up, the cost of higher education can feel overwhelming. Meanwhile, the financial aid process keeps changing with new rules, forms, and deadlines. You need expert advice to help you navigate it all.

The purpose of this complimentary webinar, "College Financial and Merit Aid", is to provide the tools and insights you need to navigate the application process with confidence, explore every opportunity for financial aid and scholarships available to your family, and learn how to apply for and maximize financial aid and merit scholarships.

Don't miss out.
Learn more and register here: https://tinyurl.com/v5mh3mvv

𝘛𝘩𝘪𝘴 𝘷𝘢𝘭𝘶𝘢𝘣𝘭𝘦 𝘸𝘦𝘣𝘪𝘯𝘢𝘳 𝘸𝘪𝘭𝘭 𝘣𝘦 𝘳𝘦𝘤𝘰𝘳𝘥𝘦𝘥, 𝘴𝘰 𝘣𝘦 𝘴𝘶𝘳𝘦 𝘵𝘰 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳 𝘵𝘰 𝘨𝘦𝘵 𝘵𝘩𝘦 𝘳𝘦𝘤𝘰𝘳𝘥𝘪𝘯𝘨, 𝘦𝘷𝘦𝘯 𝘪𝘧 𝘺𝘰𝘶 𝘤𝘢𝘯𝘯𝘰𝘵 𝘢𝘵𝘵𝘦𝘯𝘥 𝘰𝘯 9/28/26.

09/25/2026

𝗛𝗲𝗹𝗽 𝗨𝘀 𝗗𝗼𝘂𝗯𝗹𝗲 𝗢𝘂𝗿 𝗜𝗺𝗽𝗮𝗰𝘁
As part of this year's New York-New Jersey Trail Conference Annual Gala, I'm pleased to offer a dollar-for-dollar matching gift for donations made in honor of Glenda and me.

The Trail Conference's work helps protect and preserve the trails, parks, and natural spaces that make our region such a wonderful place to live, explore, and enjoy. It's an organization that has meant a great deal to our family for many years.

If you'd like to celebrate this special recognition while supporting the Trail Conference's mission, I'd be grateful for your support. Your gift will help fund trail maintenance, conservation efforts, volunteer programs, and educational initiatives that ensure these treasured outdoor spaces remain accessible for generations to come.

To make a donation, purchase Gala tickets, or learn more, please visit: https://www.nynjtc.org/2026-nynjtc-annual-gala/

When making your donation, please indicate that it is made "In Honor of David and Glenda Haas."

09/23/2026

𝗜𝗳 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝗮 𝗵𝗶𝗴𝗵 𝘀𝗰𝗵𝗼𝗼𝗹 𝗷𝘂𝗻𝗶𝗼𝗿 𝗼𝗿 𝘀𝗲𝗻𝗶𝗼𝗿, 𝘁𝗵𝗲𝗻 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗮𝘁𝘁𝗲𝗻𝗱 𝘁𝗵𝗶𝘀 𝗙𝗥𝗘𝗘 𝘄𝗲𝗯𝗶𝗻𝗮𝗿!

With many private colleges topping $90,000 a year (including room and board) and public universities quickly catching up, the cost of higher education can feel overwhelming. Meanwhile, the financial aid process keeps changing with new rules, forms, and deadlines. You need expert advice to help you navigate it all.

The purpose of this complimentary webinar, "College Financial and Merit Aid", is to provide the tools and insights you need to navigate the application process with confidence, explore every opportunity for financial aid and scholarships available to your family, and learn how to apply for and maximize financial aid and merit scholarships.

📆 Monday, September 28, 2026
🕑 7:30 – 8:30 PM
📍 Zoom Webinar

Learn more and register here: https://tinyurl.com/v5mh3mvv

𝘛𝘩𝘪𝘴 𝘷𝘢𝘭𝘶𝘢𝘣𝘭𝘦 𝘸𝘦𝘣𝘪𝘯𝘢𝘳 𝘸𝘪𝘭𝘭 𝘣𝘦 𝘳𝘦𝘤𝘰𝘳𝘥𝘦𝘥, 𝘴𝘰 𝘣𝘦 𝘴𝘶𝘳𝘦 𝘵𝘰 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳 𝘵𝘰 𝘨𝘦𝘵 𝘵𝘩𝘦 𝘳𝘦𝘤𝘰𝘳𝘥𝘪𝘯𝘨, 𝘦𝘷𝘦𝘯 𝘪𝘧 𝘺𝘰𝘶 𝘤𝘢𝘯𝘯𝘰𝘵 𝘢𝘵𝘵𝘦𝘯𝘥 𝘰𝘯 9/28/26.

09/22/2026

𝗜𝘀 𝗬𝗼𝘂𝗿 𝗙𝗮𝗺𝗶𝗹𝘆 𝗣𝗿𝗲𝗽𝗮𝗿𝗲𝗱 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗥𝗲𝗮𝗹 𝗖𝗼𝘀𝘁 𝗼𝗳 𝗖𝗼𝗹𝗹𝗲𝗴𝗲?

Navigating college selection and financial aid can feel overwhelming—but you don’t have to do it alone!

Private college costs now exceed $90,000 per year, with public universities not far behind.
But here's the good news: there are ways to make college more affordable. Join our interactive virtual session to discover strategies that could save your family thousands.

You'll learn about:
• The FAFSA and CSS forms
• What forms of aid are available and who gets them
• The different types of student loans, tax credits, and other ways to pay for college
• What has changed with the new OBBB legislation
• Understand why choosing the right college for financial fit is the most important factor of all

Learn more and register here: https://tinyurl.com/v5mh3mvv

𝘛𝘩𝘪𝘴 𝘷𝘢𝘭𝘶𝘢𝘣𝘭𝘦 𝘸𝘦𝘣𝘪𝘯𝘢𝘳 𝘸𝘪𝘭𝘭 𝘣𝘦 𝘳𝘦𝘤𝘰𝘳𝘥𝘦𝘥, 𝘴𝘰 𝘣𝘦 𝘴𝘶𝘳𝘦 𝘵𝘰 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳 𝘵𝘰 𝘨𝘦𝘵 𝘵𝘩𝘦 𝘳𝘦𝘤𝘰𝘳𝘥𝘪𝘯𝘨, 𝘦𝘷𝘦𝘯 𝘪𝘧 𝘺𝘰𝘶 𝘤𝘢𝘯𝘯𝘰𝘵 𝘢𝘵𝘵𝘦𝘯𝘥 𝘰𝘯 9/28/26.

09/17/2026

𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗻𝗲𝘀𝘁 𝗲𝗴𝗴 𝗶𝘀 𝗮𝗯𝗼𝘂𝘁 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝘀𝗶𝗺𝗽𝗹𝘆 𝗮𝘃𝗼𝗶𝗱𝗶𝗻𝗴 𝗺𝗮𝗿𝗸𝗲𝘁 𝗹𝗼𝘀𝘀𝗲𝘀.

For retirees, capital preservation means finding a balance between protecting what you’ve built and maintaining enough growth potential to support your needs over time.

That strategy can include maintaining reserves for near-term expenses, diversifying investments, managing withdrawals carefully, considering the impact of taxes, and preparing for unexpected costs.

And because markets, interest rates, spending needs, and life circumstances can change, capital preservation isn’t a one-time decision. Regularly reviewing your strategy with a financial professional can help ensure it continues to reflect your goals, needs, and comfort level.

At Cereus Financial Advisors, we’re here to help you build a financial strategy designed around what matters most to you.

𝘋𝘪𝘴𝘤𝘭𝘰𝘴𝘶𝘳𝘦: 𝘊𝘦𝘳𝘦𝘶𝘴 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘈𝘥𝘷𝘪𝘴𝘰𝘳𝘴, 𝘓𝘓𝘊 𝘪𝘴 𝘢 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘦𝘳. 𝘗𝘰𝘴𝘵𝘴 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘢𝘯𝘥 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺—𝘯𝘰𝘵 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘰𝘳 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦 𝘧𝘰𝘳 𝘢𝘯𝘺𝘰𝘯𝘦’𝘴 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘍𝘶𝘵𝘶𝘳𝘦 𝘳𝘦𝘴𝘶𝘭𝘵𝘴 𝘤𝘢𝘯𝘯𝘰𝘵 𝘣𝘦 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥. 𝘚𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘵𝘰 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘸𝘩𝘦𝘳𝘦 𝘊𝘦𝘳𝘦𝘶𝘴 𝘢𝘯𝘥 𝘪𝘵𝘴 𝘳𝘦𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘷𝘦𝘴 𝘢𝘳𝘦 𝘱𝘳𝘰𝘱𝘦𝘳𝘭𝘺 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘥 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵 𝘧𝘳𝘰𝘮 𝘭𝘪𝘤𝘦𝘯𝘴𝘶𝘳𝘦.

09/14/2026

𝗖𝗼𝗹𝗹𝗲𝗴𝗲 𝗰𝗼𝘀𝘁𝘀 𝗰𝗮𝗻 𝗮𝗱𝗱 𝘂𝗽 𝗾𝘂𝗶𝗰𝗸𝗹𝘆—𝗯𝘂𝘁 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 𝗲𝗮𝗿𝗹𝘆 𝗰𝗮𝗻 𝗺𝗮𝗸𝗲 𝗮 𝗺𝗲𝗮𝗻𝗶𝗻𝗴𝗳𝘂𝗹 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲.

Join David Haas, CFP® and Mike Dunne, CFP® of Cereus Financial Advisors for a 𝙘𝙤𝙢𝙥𝙡𝙞𝙢𝙚𝙣𝙩𝙖𝙧𝙮 𝙕𝙤𝙤𝙢 𝙬𝙚𝙗𝙞𝙣𝙖𝙧 designed to help parents of high school students navigate college selection and financial aid.

𝗠𝗼𝗻𝗱𝗮𝘆, 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟮𝟴, 𝟮𝟬𝟮𝟲 𝗮𝘁 𝟳:𝟯𝟬 𝗣𝗠

We’ll cover:
• The FAFSA and CSS forms
• What forms of financial aid are available—and who gets them
• Student loans, tax credits, and other ways to pay for college
• What has changed with the new OBBB legislation
• Why choosing the right college for financial fit can be so important

This webinar is especially helpful for parents of high school juniors and seniors.
𝘈𝘯𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘤𝘢𝘯’𝘵 𝘢𝘵𝘵𝘦𝘯𝘥 𝘭𝘪𝘷𝘦, 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳 𝘢𝘯𝘺𝘸𝘢𝘺—𝘸𝘦’𝘭𝘭 𝘴𝘦𝘯𝘥 𝘺𝘰𝘶 𝘵𝘩𝘦 𝘳𝘦𝘤𝘰𝘳𝘥𝘪𝘯𝘨!

Reserve your spot today: tinyurl.com/bdhbxv75

Worried about the financial decisions which affect you and your family? We can help plan for your future. We advise executives, professionals, and business owners about college and retirement planning as well as investment management and insurance.

09/09/2026

𝗕𝗮𝗰𝗸-𝘁𝗼-𝘀𝗰𝗵𝗼𝗼𝗹 𝘀𝗲𝗮𝘀𝗼𝗻 𝗯𝗿𝗶𝗻𝗴𝘀 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝗻𝗲𝘄 𝘀𝗰𝗵𝗲𝗱𝘂𝗹𝗲𝘀, 𝘀𝗰𝗵𝗼𝗼𝗹 𝘀𝘂𝗽𝗽𝗹𝗶𝗲𝘀, 𝗮𝗻𝗱 𝗮𝗰𝘁𝗶𝘃𝗶𝘁𝘆 𝗳𝗲𝗲𝘀 – 𝗶𝘁 𝗰𝗮𝗻 𝗮𝗹𝘀𝗼 𝗯𝗲 𝗮 𝘂𝘀𝗲𝗳𝘂𝗹 𝘁𝗶𝗺𝗲 𝗳𝗼𝗿 𝗮 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗿𝗲𝘀𝗲𝘁.

As summer winds down, consider taking a few minutes to review where your money went over the past few months and what’s coming up this fall.

Did summer spending stay within your budget? Have travel or entertainment funds been depleted? Did you pick up any new recurring expenses? Is your emergency fund still consistent with your household’s current needs?

This can also be a good time to revisit your fall budget, review automatic savings, and look ahead to fourth-quarter financial planning.

At Cereus Financial Advisors, we can help you evaluate how your spending, saving, and investment considerations fit within your broader financial plan.

𝘋𝘪𝘴𝘤𝘭𝘰𝘴𝘶𝘳𝘦: 𝘊𝘦𝘳𝘦𝘶𝘴 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘈𝘥𝘷𝘪𝘴𝘰𝘳𝘴, 𝘓𝘓𝘊 𝘪𝘴 𝘢 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘦𝘳. 𝘗𝘰𝘴𝘵𝘴 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘢𝘯𝘥 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺—𝘯𝘰𝘵 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘰𝘳 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦 𝘧𝘰𝘳 𝘢𝘯𝘺𝘰𝘯𝘦’𝘴 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘍𝘶𝘵𝘶𝘳𝘦 𝘳𝘦𝘴𝘶𝘭𝘵𝘴 𝘤𝘢𝘯𝘯𝘰𝘵 𝘣𝘦 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥. 𝘚𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘵𝘰 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘸𝘩𝘦𝘳𝘦 𝘊𝘦𝘳𝘦𝘶𝘴 𝘢𝘯𝘥 𝘪𝘵𝘴 𝘳𝘦𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘷𝘦𝘴 𝘢𝘳𝘦 𝘱𝘳𝘰𝘱𝘦𝘳𝘭𝘺 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘥 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵 𝘧𝘳𝘰𝘮 𝘭𝘪𝘤𝘦𝘯𝘴𝘶𝘳𝘦.