Clover Leaf Wealth Strategies

10/09/2026

📌 Higher rates sting borrowers, but they can be a real win for savers.

As rates rise, banks may increase the yields they offer on savings products to attract deposits. The average U.S. savings account still pays just 0.64% annual percentage yield. Some high-yield accounts are paying more than six times that, up to 4.2%, for the exact same deposit.

🔎 Certificates of deposit, or CDs, can offer even higher rates, but the tradeoff is access: your money is locked in for a set term, and pulling it out early usually costs a penalty.

Higher yields don’t erase the effects of inflation, and they won’t necessarily transform household finances. But if your savings account is still earning close to that 0.64% average, that gap alone might be worth a second look.


Source:

The Federal Reserve recently raised interest rates for the first time since 2023.

10/06/2026

AI & You in 2027

10/02/2026

🌴 More Americans are deciding that enjoying life now matters just as much as making financial progress for later.

A recent SoFi survey found that 72% of Americans would be willing to make slower progress toward their financial goals so they can spend more time with family, travel more, and prioritize meaningful experiences.

That doesn’t necessarily mean abandoning long-term goals. In fact, 59% of respondents said enjoying life is how they define financial progress, compared with 27% who pointed to owning a home.

The challenge is finding a balance between what matters now and what matters later. ✈️ That can mean making room for a vacation, concert, or family event while still keeping an eye on retirement savings and debt.

But charge that trip to a credit card and carry a balance, and interest can turn a two-week memory into a much longer bill.

What does financial progress look like to you: reaching the next milestone, enjoying more of life now, or some mix of both?


Source:

SoFi found 72% of Americans are willing to make slower progress on financial goals to prioritize family, travel and meaningful experiences.

10/01/2026

Wonderful start to the week at FASD impact Week. I attended an amazing conference and enjoyed the Red Shoes gala. 1 in 20 people are impact by fetal alcohol spectrum disorder. Few people realize that alcohol has more of a long lasting impact on the baby’s brain than other “harder” drugs. Awareness is critical. I wear red shoes in honor of those living with FASD.

10/01/2026

I will be sponsoring and attending the 2027 LIFE Conference on January 27, 2027! The link to register is below. Come join me!

https://lifeconferencede.org

09/28/2026

Friday was rough! Just joking! It is a hard day when you have to spend it on a beautiful golf course! I spent the day volunteering with the Arc of North Central Virginia’s Golf Fore All Fundraiser

09/25/2026

Amazing evening celebrating the Arc of Northern Virginia’s Tech for Independent Living at the 2nd Annual Sip & Support Event

09/15/2026

Join Me!

09/07/2026

"Follow your passion, be prepared to work hard and sacrifice, and, above all, don't let anyone limit your dreams." (Donovan Bailey) Today, we celebrate your hard work, sacrifice, and dreams. Happy Labor Day!