Smedley Financial Services, Inc.

10/15/2026

10/15/2026

Get Smart About Credit Day is a great reminder about the importance of healthy credit behaviors! If your credit is a mess, start today with the task of putting it back in order.

10/15/2026

Medicare costs, benefits, and providers can change each year. You can review your coverage during the annual Open Enrollment period, which takes place from October 15 to December 7.

10/14/2026

10/14/2026

Rule #3 for Protecting Your Money: Don’t Trust Something Simply Because It Sounds Familiar.

What if your phone rang and the voice on the other end sounded exactly like your child or grandchild?

They say they’re in trouble and need money immediately.

Would you know whether it was really them?

With today’s technology, scammers can create convincing voice impersonations and messages that make it seem like you’re communicating with someone you know.

That’s why a familiar voice—or even a familiar-looking message—isn’t enough.

If someone you know unexpectedly asks for money:
📞 Hang up and call them back using a phone number you already have.
🔍 Verify the situation another way.
⏳ Don’t let urgency prevent you from checking.
You can even establish a private family code word to use in genuine emergencies.

When money is involved, verify before you trust.

This is Rule #3 in our 7 Rules for Protecting Your Money series. Follow along for Rule #4.

10/13/2026

“One client’s company stock kept soaring. Another client’s stock lost 60% of its value.”

Both had nearly all of their 401(k) invested in company stock.

The outcomes were dramatically different.

That’s why diversification matters.

In this week’s Power Up Wealth podcast, we discuss:
✔️ The risks of over-concentration
✔️ How tax-loss harvesting can create opportunities
✔️ When a declining stock may actually be worth considering
✔️ Strategies for RSUs, stock options, and 401(k) company stock

Your company’s stock can be a powerful wealth-building tool, but it shouldn’t be managed on hope alone.

Tune in now to learn how to make smarter decisions with your company stock. Link in bio.

10/13/2026

Before you give your child $10,000 or more, do these 3 things.

10/12/2026

As we become more reliant on technology for information and communication, it can be easier to fall prey to cyber criminals. This October, commit to protecting your digital assets from threats by practicing safe online habits. Limit how much you share on social media, avoid clicking suspicious links or accepting friend requests from strangers, and review your privacy settings periodically. By exercising caution, you can better protect your digital footprint!

10/09/2026

Rule #2 for Protecting Your Money: Never Move Money to “Protect” It.

Imagine getting a call from your bank telling you someone has accessed your account.

The person sounds professional. They know some of your account information. Then they tell you:
“To protect your money, you need to transfer it to a secure account.”

🚩 Stop right there.

A legitimate bank or financial institution will not ask you to transfer your money to another account because of an unexpected security alert.

If you’re concerned that your account has been compromised:
✅ Hang up or close the message.
✅ Contact your financial institution yourself.
✅ Use the phone number on your card, statement, or official website.
❌ Don’t use a number provided by the person who contacted you.
❌ Don’t transfer money because someone tells you it’s necessary to keep it safe.

Scammers are getting better at creating convincing stories.

Don’t let fear or urgency make your financial decisions for you.
When it comes to protecting your money, verify first.

This is Rule #2 in our 7 Rules for Protecting Your Money series. Follow along for the next rule.