Fogel Capital Management, Inc.

This Labor Day, we celebrate the hard work, dedication, and determination that keep our businesses, communities, and country moving forward.

We hope you enjoy a well-earned day to slow down, spend time with the people who matter, and appreciate the work that brought you here.

Financial Term of the Day: Estate Liquidity

Estate liquidity refers to cash or assets that can quickly be turned into cash to cover expenses after someone passes away.

Why does it matter? An estate may hold significant wealth in real estate, businesses, or other investments, but those assets aren't always easy to sell when funds are needed.

Having enough liquidity can help cover taxes, debts, expenses, and distributions without forcing the sale of long-term assets at an inconvenient time.

What should you do after receiving a large inheritance?

Before making any major financial decisions, consider giving yourself time to:
• Understand exactly what you’ve inherited
• Review potential tax implications
• Reassess your long-term financial goals
• Build a plan before investing or spending

An inheritance can bring opportunity, but also a lot of important decisions. Contact Fogel Capital and let us help you navigate what comes next.

Financial goals rarely become reality by chance. Whether you’re thinking about retirement, building a legacy, or simply making more intentional decisions with your wealth, having a plan creates a path forward.

What financial goal have you been thinking about but haven’t put a plan behind yet?

Big life milestones often come with big financial decisions.

A new business. A growing family. A major purchase. An inheritance. Retirement.

These moments don’t just change your life, they can change what you need from your financial strategy.

Taking time to reassess when life changes can help ensure your plan still reflects where you are and where you’re headed.

How much should you keep in cash and how much should stay invested?

There’s no magic number. The right balance depends on your upcoming expenses, lifestyle, risk tolerance, and long-term goals.

Too little cash can leave you without flexibility. Too much can mean missing opportunities for long-term growth.

The goal is finding the balance that makes sense for your financial picture.

👉 Let’s review yours together. Schedule a complimentary consultation at (800) 524-9175.

At Fogel Capital, we believe thoughtful financial guidance starts with understanding the people behind the plan.

Our team takes the time to understand each client’s goals, priorities, and bigger picture so we can provide personalized guidance for today and the years ahead.

Get to know the team behind Fogel Capital: https://fogelcapital.com/team/

Social Security Headlines Are Creating Questions. Here’s What Retirees Should Know.

Social Security Is Changing: What Retirement Planners Need to Know - Fogel Capital Management Understanding what is changing (and what is not) can help retirees make more informed decisions about their overall financial strategy.

A Financial Planning Myth We’d Like to Retire:

Myth: “Retirement planning stops when you retire.”

Reality: Retirement often requires the most thoughtful planning once income changes.

The first step to building wealth? A conversation. Call (800) 524-9175 for a free consultation and let’s talk about your goals.