Cadence Wealth Management Solutions

The college checklist usually includes tuition, housing, books and plenty of dorm-room essentials. But there’s one important item families may overlook once their student turns 18: having the right legal documents in place.

In his latest perspective, Mathew Hill shares a few documents parents and students may want to discuss before the semester begins, and why those conversations can be an important part of preparing for college.

Read more:

One More Thing for the College Checklist What changes at 18?

September often brings a return to familiar routines and a reminder that the end of the year is approaching.

This can be a useful time to revisit the financial priorities you identified earlier in the year:

• Which goals are progressing?
• What has changed since January?
• Are there decisions you have been postponing?
• What would you like to address before year-end?

Financial planning is an ongoing process that should evolve alongside your life, family and responsibilities.
https://bit.ly/4zTkZtn

Happy Birthday, Donna DiCiaccio! Your positivity, dedication, and the energy you bring to the team are truly appreciated. We hope your day is filled with plenty of celebration, laughter, and everything you love. Please join us in wishing Donna a very happy birthday!

Did you know your Social Security benefits may be subject to federal income taxes depending on your overall income? Understanding how these rules work can help you make more informed retirement planning decisions.

Learn more about how Social Security benefits are taxed and key factors to consider:

Social Security and taxes, explained Understand how your Social Security income is taxed and explore strategies that may help lower your tax burden.

The final months of the year often become busy. Reviewing a few financial items now may leave more time to evaluate available choices before December.

Topics to consider include:

• Retirement plan contributions
• Expected income and tax withholding
• Charitable giving
• Beneficiary designations
• Insurance coverage
• Upcoming family or business decisions

Which item is currently at the top of your list?
https://bit.ly/4xWtBxJ

Market headlines can change quickly, but a long-term financial strategy is generally built around personal goals, time horizons and individual circumstances.

Rather than reacting to every headline, investors may benefit from reviewing whether their current allocation continues to reflect their needs and comfort with risk.
https://bit.ly/4qyWAFw

Mark spent some time at the Ameriprise Financial Circle of Success National Conference in Denver, meeting with some of the most successful advisors in our industry. We can’t wait to share what he is learning from them – and how we can put all those great conversations to use for you. He was also inducted into the Ameriprise Hall of Fame!

Every parent wants to help create opportunities for their child's future. From education savings plans to custodial accounts and other investment options, understanding the available choices can help you make informed decisions that align with your family's goals.

Explore eight ways to save and invest for your child's future in this article:

8 ways to save for your child’s future Explore the different investment accounts that can help you support your child’s financial future.

A new job, marriage, retirement, relocation or growing family can affect more than a daily routine.

Life transitions may also change income, expenses, insurance needs, tax considerations and long-term goals.

When something significant changes, it may be time to revisit the financial decisions connected to it.

What has changed in your life since your financial plan was last reviewed?
https://bit.ly/4hD1JKg

Back-to-school season brings new schedules, new expenses and, for many families, new financial decisions.

This may be a useful time to review:

• Education-related spending
• College savings goals
• Household cash flow
• Upcoming activities and travel
• Changes to family priorities

A few small updates can help keep a financial plan aligned with what is happening today.
https://bit.ly/3SeOAwp