Private Client Group, AM

10/07/2026

Open enrollment tends to arrive at a busy time of year, and most people click through it as fast as they can.
That is understandable, but a few of those choices carry weight well beyond next January. Health plan selection, HSA or FSA contributions, and any life or disability insurance elections through work all connect to the rest of your financial plan, not just your paycheck.
Has your health coverage need changed this year?
Are you contributing enough to an HSA if one is available to you?
Does your workplace life insurance still match what your family would actually need?
None of these decisions need to be complicated. They just deserve a few extra minutes instead of a rushed click.
https://www.privateclientgroupam.com/client-services

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...

10/05/2026

A Roth conversion is one of the few moves that has to happen inside the calendar year, even though deciding whether it makes sense can take a while.

The idea is simple. Move money from a pre-tax retirement account into a Roth account, pay tax on it now, and let future growth come out tax-free later. Whether that trade makes sense depends on your current tax bracket, your expected bracket in retirement, and how much you can pay in tax without disrupting cash flow.

A partial conversion, done over several years, is often more useful than trying to do it all at once.

Is this the year your income makes a conversion more attractive? Would spreading it out serve you better than doing it in one step?

For guidance specific to your tax situation, speak with a qualified tax professional before the calendar turns.

https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras

10/01/2026

This Quarterly Recap summarizes market performance, major events and news from Q3 2026. Read more here:

Markets carried their momentum into the third quarter, with the S&P 500 finishing near record highs. However, the Dow Jones Industrial Average ended 5.1% below…

09/29/2026

In Cetera's latest commentary, they explore how higher rates, geopolitical uncertainty, and shifting market expectations are shaping today’s investment landscape. Discover what’s driving the recent volatility and how investors can navigate an increasingly temperamental market environment.

In our latest commentary, we explore how higher rates, geopolitical uncertainty, and shifting market expectations are shaping today’s investment landscape.…

09/28/2026

A busy week of economic data could have major implications for markets.
In this week's episode of , Brian Klimke breaks down the key reports investors will be watching, including Friday's nonfarm payrolls report, wage growth, PCE inflation data, and ISM Manufacturing.
With markets focused on both Federal Reserve policy and rising long-term Treasury yields, stronger economic data could reignite concerns about inflation and higher rates.

“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...

09/28/2026

Staying Invested Through Ups and Downs Takes a Plan, Not Just Patience
Markets move. Some years feel calm and steady. Others bring sharp swings that test even experienced investors.
Patience is often the advice people hear, but patience without a plan can be hard to sustain when headlines get loud. What actually helps is understanding why your portfolio is built the way it is, and how it connects to your specific goals and timeline.
When you understand the reasoning behind your investment strategy, short-term volatility feels less like a crisis and more like something you already accounted for.
A portfolio built around your goals, not the news cycle, tends to be easier to stay committed to.
https://www.finra.org/investors/insights/tips-turbulent-market

09/25/2026

Your Financial Life Includes More Passwords Than You Think
Estate planning conversations usually focus on physical documents and named accounts. Fewer people think about the digital side: online banking logins, investment platforms, email accounts, and digital assets that a family member may need to access someday.
Without a plan, these accounts can become difficult or impossible for loved ones to locate and manage. A password manager, a documented list of accounts, and clear instructions can make a real difference.
This is a small step compared to a full estate plan, but it is one that is easy to overlook and genuinely useful when it matters. For guidance on how digital assets fit into your broader estate plan, speak with a qualified estate planning attorney.
https://www.aarp.org/money/personal-finance/smart-guide-to-estate-planning/

09/23/2026

An Old Insurance Policy Deserves a Second Look
Insurance policies are often purchased once and reviewed rarely, if ever. Life changes, but the coverage sometimes does not keep up.
A policy that made sense ten years ago, when your income, family situation, or debts looked different, may not reflect your life today. Coverage amounts, beneficiaries, and policy types are all worth revisiting periodically, not just at the time of purchase.
Does your coverage still match your income?
Are your beneficiaries current?
Would today's version of you choose the same policy you bought back then?
This applies to life insurance, disability coverage, and umbrella liability policies alike. The goal of a review is not to sell you something new. It is to confirm what you already have still fits.
https://www.privateclientgroupam.com/pre-retirees

09/21/2026

The Fed's latest rate decision has captured attention, but earnings season may provide additional insight into the health of corporate America.
In this week's , CIO Gene Goldman discusses earnings expectations, the sectors driving recent growth, and key areas to watch as companies begin reporting quarterly results.

“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...