Clarity Wealth

10/08/2026

Stocks finished the third quarter mixed. The S&P 500 gained 2.03%, and the Nasdaq Composite rose 2.47%, while the Dow Jones Industrial Average slipped 2.70%. Halloween is next on the calendar, with U.S. consumers expected to spend \$13.5 billion USD this year and 6.26 million Canadian children in their trick-or-treating years.

Quarterly Market Insights | October 2026 U.S. and Canadian Markets Stocks were mixed in the third quarter as economic, geopolitical, and corporate earnings news pushed the broad market higher while weighing on the Dow Industrials. The Standard & Poor’s 500 Index gained 2.03 percent, while the Nasd...

10/07/2026

Your Medicare Coverage Needs an Annual Checkup

Medicare coverage shouldn't run on autopilot. Learn why an annual review of Medicare Advantage, Part D, healthcare costs, and tax implications is an important part of retirement wealth planning.

10/05/2026

🏈 Football is back, and so is everything that comes with it.

A new season means fresh storylines, surprise contenders, and those moments you just can’t script. Much like your finances, a successful season takes preparation, a solid game plan, and the ability to adjust when things don’t go exactly as expected.

So, whether you’re locked in from the opening coin toss or just showing up for the company and the snacks, game day has a way of bringing people together.

Fire up the grill. Find your seat. The season is here. 💪🏈

10/02/2026

Medicare Annual Enrollment (Oct 15–Dec 7): Don’t Put Your Coverage on Autopilot – FFC 312

10/02/2026

We had the sweetest surprise at the office yesterday and it truly made our day! 🥐☕ We are so grateful for the thoughtful gesture and even more grateful for the amazing people we have the opportunity to work with. Thank you for thinking of us!

09/30/2026

When the Fed Raises Rates, the Math Changes

Higher interest rates change the trade-offs between borrowing, fixed income, equities, and cash. Learn how Fed policy can influence capital allocation and long-term wealth planning.

09/28/2026

Find your row first, then look one row up. That's the difference starting 5 years earlier can make.

At a hypothetical 8% annual return, the difference between starting at 40 vs. 35 on a $500/month contribution is over $200,000 by the time you reach 65. Not because of more money—just more time.

Time in the market is not just valuable, it's the whole game. Which row did you land on—and did it surprise you?

09/25/2026

What Higher Interest Rates Mean for Your Mortgage, Debt, and Investments- FFC 311

09/24/2026

The Fed Raised Rates. What Does That Mean for Your Financial Plan?

The Federal Reserve raised interest rates again. Learn how changing rates can affect portfolio income, borrowing, liquidity, and capital-allocation decisions for affluent investors.

09/21/2026

👀📊Check out the potential benefits of starting early and saving consistently. With a 529 plan, even modest monthly contributions can grow significantly over time.

Here are a few points to consider:
📚 529 plans are an effective college savings vehicle with potential tax advantages.
📚Any family member can contribute or even set up a plan (Grandparents love this!).
📚Withdrawals for education expenses are federally and usually state tax-free.
📚Under certain conditions, some funds can now be rolled over into a Roth IRA.

Starting early can make a big difference!



A 529 plan is a tax-advantaged college savings plan. Before choosing a plan, it's important to consider not only the state tax treatment, but also any associated fees and expenses. Availability of a state tax deduction will depend on your state of residence, as state tax laws and treatment may vary from federal tax laws. If you make nonqualified distributions, earnings will be subject to income tax and a 10% federal penalty tax.