Dano Deck - Financial Services

I’ve found it all starts with understanding where your money goes. I’m sharing a free guide with easy habits that help me keep more of what I earn. Check it out here:

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Recent proposals around credit card rate caps sparked market reactions, but policy changes take time to evaluate. Even when headlines move markets in the short term, your strategy should take a long view. Contact me to talk through how policy news fits into your overall approach.

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Investors are anxious, and with good reason. The unsettling events in the Middle East are dominating the headlines, which can put even the most seasoned investor on edge. Will the number of corrections for the S&P 500 increase to 27 this year?

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New data shows that some Americans are contributing less to retirement accounts, reflecting ongoing financial pressures. On average, contribution rates fell slightly, with full-time workers setting aside 8.9% of income, down from 9.2% the previous year. At the same time, about 1 in 4 workers reduced their savings, and nearly 20% took loans from their accounts. These changes may be tied to rising everyday expenses, as some households adjust to manage short-term needs. While the shift is relatively modest, consistent contributions over time can play an important role in long-term outcomes — making even small changes worth paying attention to. Trends like these highlight how broader economic conditions can influence saving behaviors across different income levels.

Source: https://www.cbsnews.com/news/retirement-savings-contribution-cut-warning-sign-dayforce-study/

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PFS Investments Inc. (PFSI) offers brokerage and advisory services. PFSI, 1 Primerica Parkway, Duluth, Georgia 30099-0001, member FINRA [www.finra.org]. PFSI conducts its advisory business under the name Primerica Advisors. Primerica, Inc. and PFSI are affiliated companies. Investing entails risk, including loss of principal. Representatives must be licensed to discuss investments. For more information, refer to https:// prisocial.info/PriInvestmentsDisclosures.

This communication is for informational purposes only. Please consult a financial professional for individualized advice.

Americans are reducing their retirement savings. That's a "warning sign," experts say. Full-time employees cut their 401(k) participation and contribution rates last year amid an affordability crunch, new research shows.

When stock prices drop, some investors start asking “shoulda, woulda, coulda” questions about whether to remain invested. But as 2025 illustrates, market timing can be very expensive even if it means missing just a few days.

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

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Me after watching one financial TikTok: “Got it. Iʼm an investor now.ˮ

Real life? One tip isnʼt a strategy.

Everyoneʼs chasing a favorite viral idea, but consistency matters more.

Contact me to learn more.

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Checking financial news before coffee = instant stress.

After coffee? Itʼs easier to remember headlines change fast, but your plan shouldnʼt. If the daily noise feels like too much, contact me.

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