Ralph C. Freibert, III

Today officially marks the first day of fall, so new season, new money moves.

🍂 What’s on your Financial Fall Bucket List?

📌 Save this checklist and start strong before year-end.

Markets posted another week of gains, led by Technology and Communication Services, with Industrials and Financials providing support. The U.S. economy remains resilient, but signs of strain are emerging — from lagging health care and energy sectors to rising debt issuance and sticky service inflation.
It’s a tale of two perspectives: Ed Yardeni highlights the strength of the “Roaring 2020s,” while BCA Research warns of overvaluation and bubble risks. At Planning Associates, we believe the truth lies somewhere in between — opportunity exists, but prudence and discipline are critical as risks build.

Interested in reading more? Click the link in our bio to head over to our blog!

Happy Birthday Melanie from Planning Associates!

Have questions about financial planning? You’re not alone. From retirement strategies to investment philosophies, we’ve rounded up the most common questions clients ask us — and the answers that bring peace of mind. 💡✨

Today, we pause to remember September 11th. We honor the lives lost, the families forever changed, and the bravery of all who served — first responders, military, and everyday heroes. May we continue to carry their legacy of courage, unity, and resilience.

Money talks. Be sure you understand the language💸

Meet Ralph Freibert, CFP®, CIMA®, MBA — founder and Managing Member of Planning Associates Wealth Management.

With over 37 years of experience, Ralph has guided hundreds of families, professionals, and business owners through life’s biggest financial transitions— always with a fiduciary commitment and a relationship-driven approach.

Beyond the office, Ralph is a published author (Financial Alignment), a Civil Air Patrol pilot, and proud dad of two sons who have served our country.

At Planning Associates, his vision is simple: to help you align your financial resources with the life you truly want to lead.

At Planning Associates Wealth Management, our mission is simple: put your goals first.

For over 35 years, our senior advisors—Ralph C. Freibert, III and Robert Heintz—have guided individuals, families, and businesses with advice, transparent fees, and the highest professional standards (CFA®, CFP®, CIMA®, CLU®).

We believe financial planning should empower you with clarity and confidence, so every decision moves you closer to your future.