Joseph Budd: Budd Wealth Management

In observance of Labor Day, our office and the financial markets will be closed.

Today, we recognize and celebrate the contributions, dedication, and hard work of the individuals who help strengthen our communities and economy every day.

We wish you a safe, happy, and relaxing Labor Day and look forward to connecting with you when regular business hours resume tomorrow.

Building a large retirement account is an accomplishment—but where your savings are held matters too.

Many retirees discover that having most of their savings in traditional tax-deferred accounts can create unexpected tax challenges later in life. Future withdrawals may increase taxable income and affect other areas of a retirement plan.

A well-rounded retirement strategy isn't just about accumulating assets—it's also about understanding how those assets may be taxed when you need them.

If you're approaching retirement, now may be a good time to review how taxes could impact your future income and overall financial plan.

When Your Bumper 401(k) Is a Tax Problem Waiting to Happen Having retirement dollars mainly in traditional savings plans can handcuff older workers.

Markets pushed higher in August as AI-driven optimism helped investors look past softer economic data. The S&P 500 gained 2.62% and the S&P/TSX Composite rose 2.96%, even as softening retail sales kept consumer spending in focus. Back-to-school season adds another data point to that story, with spending expected to reach \$146.8 billion in the U.S. and \$4.5 billion in Canada this year.

Monthly Market Insights | September 2026 The Standard & Poor’s 500 Index advanced 2.62 percent, while the Nasdaq Composite rose 3.93 percent. The Dow Jones Industrial Average lagged, adding 1.34 percent. The S&P/TSX rose 2.96 percent.1,2

"How is Social Security taxed?"

Many retirees are surprised to learn that Social Security benefits can be subject to federal income tax depending on other income sources.
Understanding the tax impact may help improve retirement income planning.

Schedule a conversation here: https://oncehub.com/JosephBudd

📈 Is the market shifting?

This week, LPL Research explores why value stocks have been gaining momentum, how free cash flow can influence long-term returns, and what rising AI spending may mean for investors.

Understanding what's driving today's market can help bring valuable perspective during periods of change.

🔗 Read the full commentary: https://www.buddwealth.com/weekly-market-commentary-kf26a

Money Budd Brief: Money News Without the Noise

The headlines can be overwhelming. That's why each month we break down the key economic stories into clear, understandable insights that matter to everyday families.

This month's update covers inflation, the job market, consumer spending, and the Federal Reserve—and what these trends could mean for your finances.

If you'd like to discuss how today's economic environment fits into your financial plan, schedule a conversation here:
https://oncehub.com/JosephBudd

Cyber threats are constantly evolving—but a few smart habits can go a long way toward protecting yourself and your financial information.

Join us for our upcoming Savvy Cybersecurity Webinar to learn practical steps you can take to help safeguard your personal data, recognize common scams, and stay informed about today's digital risks.

Whether you're looking to strengthen your online security or simply stay current on emerging threats, this educational session will provide valuable insights and actionable tips.

Don't wait until a cyber threat becomes a cyber problem. Reserve your spot today:

Welcome! You are invited to join a webinar: 30 Minutes to Savvy Cybersecurity: 5 Threats Every Person and Business Faces—and How to Fight Them Now. After registering, you will receive a confirmation email about joining the webinar. Learn about the 5 biggest threats we all face.

Financial confidence isn't about knowing all the answers—it's about understanding your options and making informed decisions for your future.

Join Jacqueline Budd for an educational webinar focused on the financial topics that matter most to women, including investing, retirement planning, wealth-building strategies, and preparing for what's next in life.

Whether you're building wealth, planning for retirement, navigating a life transition, or simply looking to gain more confidence in your financial decisions, this conversation is designed for you.

Reserve your spot today: https://us02web.zoom.us/webinar/register/WN_RB8JLq-vSWCRJfVL1Y8l3w

We look forward to seeing you there!

Welcome! You are invited to join a webinar: Women, Wealth & What's Next. After registering, you will receive a confirmation email about joining the webinar. We’ll discuss the changing financial landscape for women, some common financial planning blind spots, and questions worth considering as you think about your future. The goal is to help you feel more informed, more comfortable participating in financial decisions, and better prepared to identify y...

Why Rising Treasury Yields Are Not Yet a Stock Market Crisis

Rising Treasury yields have sparked concerns about the economy and markets, but higher rates alone don't necessarily signal trouble ahead.

While yields can affect borrowing costs and investor sentiment, history shows that markets can continue to perform well during periods of rising rates. The key is staying focused on long-term goals rather than reacting to short-term headlines.

If recent market developments have you concerned, consider discussing how current conditions align with your long-term financial strategy.

Why Rising Treasury Yields Are Not Yet a Stock Market Crisis Rising Treasury yields are raising debt and stock market concerns, but history suggests higher rates are not yet a market crisis.