Hurlburt Financial

We are proud to have one of our own participating this year's EMERGE Serves Class XVI.

Last week, EMERGE Serves Class XVI (16) continued with presentations and breakout sessions on Strategic Planning from Dr. Silviana Falcon (Florida Southern College) + Beatrice Dela Pena (Tower Hill Insurance Group), as well as Financial Planning training from Scott Gardner (Payne Air Conditioning & Heating, Inc.).

Class 16 will graduate during our Board & Volunteer Service Fair on September 22, 2026! Attendance is free and open to the public - where EMERGE Serves graduates past + present, alumni of our leadership development programs, and members of the community can all attend to learn about volunteer opportunities in Lakeland.

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, restful break.

Please note that our office will be closed on Monday, September 7th, in observance of the holiday, and will reopen on Tuesday, September 8th.

Happy Birthday to an incredible member of our team! We're so grateful for all you do and hope that your day is filled with plenty of celebration, joy, and cake.🎂
Please join us in wishing Yahaira a very happy birthday!

Before you write off your next business trip... ask yourself:

✈️ Was the primary purpose of your trip business?
🏨 Did you keep receipts and documentation?
🍽️ Do you know which meals and travel expenses qualify?
📋 Are you separating business expenses from personal ones?

If you're unsure about any of these, our newest blog explains the basics of business travel deductions and what every business owner should know.

Read it here:
🔗 https://hurlburtfinancial.com/blog.php?id=183

As August comes to an end, we wanted to take a moment to simply say thank you.

Thank you to our clients, friends, and community for trusting us to be a part of your financial journey. Whether we've worked together for years or recently met, we're grateful for the relationships we've built and the conversations we' shared.

As we head into a new season, we look forward to continuing to help you plan with confidence and navigate whatever comes next.

Wishing you a smooth transition into fall and all that this season brings.

A 401(k) checkup can be a simple way to stay confident about your long‑term retirement strategy. At Hurlburt Financial, we encourage the community we work with to pause and review the basics from time to time.

A few helpful questions to consider include:
• Is your contribution rate where you want it to be?
• Are you taking full advantage of your employer match?
• Does your investment mix still align with your comfort level?
• Have you updated your beneficiaries recently?
• Does your plan still support your long‑term goals?

These questions are a great starting point for understanding whether your current plan continues to make sense for your situation. If you would like to discuss your retirement savings questions, our team is here to help.

Late summer is a great time to pause and take a fresh look at your tax planning before the busy year‑end season arrives. This is when many of our clients review their income to date, consider charitable giving intentions, check in on retirement contributions, and confirm they are on track with their RMDs.

A mid‑year review can make the final months of the year less hectic, and it helps ensure there are no surprises when tax season comes around. As always, be sure to consult your tax professional for specific tax advice.

If you have questions about planning, coordination, or how these pieces fit into your overall financial strategy, our team is here to help.

Emergency funds may not be the most exciting part of financial planning, but they’re still one of the most important. At Hurlburt Financial, we see how having accessible savings can make a big difference when life throws the unexpected your way.

A solid cash reserve helps cover surprise expenses, reduces stress during market downturns, and supports the rest of your long‑term financial plan. The right savings target isn’t the same for every household, which is why our team helps clients find a number that fits their real life—not a one‑size‑fits‑all rule.

If you’re wondering what an emergency fund should look like for your situation, our team is here to talk through how cash reserves can fit into your broader plan.

Cash flow isn’t just about what comes in and what goes out — it’s one of the most practical planning tools we use to help keep your financial life moving in the right direction.

When we understand how income and expenses flow throughout the year, it becomes easier to make informed choices around saving, spending, managing debt, and preparing for retirement income. It can also help you feel more confident as you plan for upcoming milestones.

If cash flow questions are starting to impact your overall plan, our team is here to help you sort through the details and find clarity.

With back-to-school season here, we're sending our warmest wishes to all the families in our network. We hope you have a wonderful start to the new school year!

As the year continues, if there's anything you'd like to discuss before year-end, please don't hesitate to reach out. We're here to help.