Perennial Financial Services

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Mastering Mobile Lingo Do you understand these common mobile slang terms?

Stocks climbed in January as solid economic data offset geopolitical tensions. The S&P 500 rose 1.37%, the Dow gained 1.73%, and Canada's TSX picked up 0.66%, setting multiple record highs early in the month. The Fed held rates steady as expected, with all eyes now on the March meeting. From \$27.5 billion spent in the U.S. to \$97.80 per person in Canada, Valentine's Day spending spans the globe. Check out this month's by-the-numbers.

Monthly Market Insights | February 2026 Stocks climbed in January as the tailwinds of solid economic data offset the headwinds of geopolitical tensions that rattled investors during the month.

There’s 5 phases to changing unhealthy behaviors. Here’s how to do it.

Changing Unhealthy Behaviors Five phases to changing unhealthy behaviors.

A note from our Senior Managing Director, John B. Petrick:

Last weekend while attending my daughters gymnastics competition at the Las Vegas Mega Meet, I got a reminder that resilience isn’t something you talk about- it’s something you practice.

Two weeks earlier in Anaheim, my daughter had the toughest meet of her young career. After three-plus years of competing, she finished 15th out of 19 all-around and missed the podium on every event for the first time. With 20+ hours a week already devoted to training, it would have been easy for an 11-year-old to feel defeated and pull back.

She did the opposite. She asked for more work. Extra private lessons. More reps. More focus.

In Vegas, she showed up differently. She opened on beam with a personal-best score, followed by a second-place finish on floor. By the end of the night, she was back on the podium in all four events and finished second all-around.

But what made me proud wasn’t the medals.

Even in Anaheim, discouraged and disappointed, she was the first to put an arm around a teammate after a fall. Somewhere along the way, a little smiling, stuffed hedgehog named “Tomy” (that she had won at Cotillion a few weeks prior) became the team mascot and a little symbol of that positivity. And as a team, they’ve now won their first two meets of the season with Tomy by their sides.

She’s learning something far bigger than gymnastics: when things don’t go your way, you don’t retreat- you lean in, support the people around you, and get better together. I’m incredibly proud of her perseverance, her attitude, and the way she shows up for her team.

And honestly, that’s exactly how we try to operate at Perennial Financial Services.

Advisors join us at all different stages. Some are coming off of great seasons. Some are coming off frustrating ones. Some are navigating change, growth, or adversity. What matters most isn’t where you finished at your last meet- it’s how you respond and whether you’re part of a team that helps you put in the extra reps so you can show up stronger next time.

That “iron sharpens iron” mindset we talk about so often? I saw it play out in an 11-year-old this weekend.

Proud dad moment. Proud team moment.

You can start Social Security benefits as soon as you reach 62. Know the rules before deciding.

When Should You Take Social Security Monthly Social Security payments differ substantially depending on when you start receiving benefits.

Today we celebrate two incredible years of Ximena’s dedication, hard work, and passion. Her commitment to her clients and the firm has been a driving force behind our growth.

Ximena, thank you for everything you’ve done to make Perennial what it is today- and for all the amazing contributions still to come. Here’s to many more years!

The IRS can tax up to 85% of Social Security benefits. It may be possible to manage the tax bill.

Social Security Taxes Estimate how much of your Social Security benefit may be considered taxable.

When you choose to take Social Security might impact your retirement income. Find out how.

Deciding When to Take Social Security One of the most common questions people ask about Social Security is when they should start taking benefits.

The beginning of the year is a good moment to step back and take stock; not to overhaul everything, but to make sure your financial strategy still matches your life.

Changes don’t always come with big announcements. A new role, shifting priorities, market movement, or future plans quietly shape how your finances should work for you.

At Perennial Financial Services, we focus on helping clients stay aligned, informed, and confident as their plans evolve over time.

Our January blog explores what’s worth reviewing as the year gets underway. Read more here: www.perennialfs.com/blog

This piece presents an overview of fundamental steps to consider when a loved one passes.

A Checklist for When a Spouse or Parent Passes An overview of some fundamental steps when a loved one passes.

The most thriving advisors understand that growth comes from being in an environment where guidance, collaboration, and shared knowledge are valued.

We create a space where advisors can connect with peers, access resources, and shape a practice that reflects their goals and vision. It’s about having the support and flexibility to grow on your own terms, while knowing you’re not doing it alone.

When the right people, principles, and opportunities come together, potential turns into progress- and that’s where lasting success begins.

Here are 5 facts about Social Security you absolutely need to know.

Social Security: Five Facts You Need to Know Here are five facts about Social Security that are important to keep in mind.