Schroeder Wealth Advisors

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.

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.

10/07/2026

📈 Happy World Financial Planning Day!

A strong financial plan can help provide clarity, confidence, and direction for life’s biggest goals.

Today, take a moment to check in on your goals, celebrate your progress, and remember that small, consistent steps can make a meaningful difference over time.

Have questions about where to start with a financial plan? We’re always happy to help you take the next step.

And remember, life is better with a plan.

10/02/2026

🕸️Welcome to our Five Spooky Financial Traps series!🕸️

Throughout October, we’ll be taking a closer look at five financial traps that can sneak up on you and create unwanted surprises. The key is knowing what to watch for and how to prepare before they become a bigger problem.

Our first financial fright? The Retirement Withdrawal Monster.

👹No. 1 - The Retirement Withdrawal Monster👹

Retirement savings can disappear faster than expected when withdrawals are not part of a coordinated income plan. Taking too much too soon, especially during a market downturn, can reduce future growth and make it harder for your portfolio to support you throughout retirement.

Before withdrawing, consider your cash reserves, investment mix, taxes, Social Security benefits, and long-term spending needs. A sustainable withdrawal strategy can help your retirement income last as long as you do.

Financial decisions made today can have long-term consequences. If you are unsure whether your retirement withdrawal plan is ready for these potential pitfalls, give our office a call!

09/29/2026

☕ National Coffee Day calls for a team coffee run!

Nothing brings people together quite like a good cup of coffee and great company. We're taking a break to celebrate one of the office's favorite essentials.

How do you take your coffee? 👇

09/25/2026

Plan for the unexpected!

Even when you have a solid plan, it’s important to leave yourself a little wiggle room. A backup plan, some extra time, or a little financial cushion can make all the difference when life inevitably doesn’t go exactly the way you expected.
This is especially true when it comes to our life goals and objectives. We spend a lot of time thinking about where we want to go, but sometimes we forget to think about what we’ll do if the road gets a little bumpy along the way.

Here are a couple of real-life examples:

- A day-to-day example: Taking a flight.

I live just north of Houston, so if you’ve been through IAH lately, you know it seems to be perpetually under construction! It’s getting better, but navigating the airport can still take some extra time.
Anytime I’m flying out, I like to give myself plenty of time to get there, park, get through security, and find my gate. Why? Because I know there are things I can’t control. Construction could be worse than expected. Traffic could be backed up. The security line could be long.
If I plan for those possibilities, it’s not a crisis when they happen.
And if everything goes smoothly, I have time to grab a bottle of water, walk around, and enjoy the airport. Most airports are basically shopping malls with airplanes anyway! 😄

- A one-off example: Having an emergency fund.

It’s called an emergency fund because emergencies are unexpected.
Having money set aside before the unexpected event happens can keep the financial side of the emergency from becoming the emergency itself.
Maybe it’s an unexpected house repair. Maybe you experience a period of unemployment. Maybe the car needs an expensive repair. Maybe an unexpected medical bill shows up.
Whatever the situation, having a financial cushion gives you more options and allows you to focus on solving the problem instead of worrying about how you’re going to pay for it.
These same principles apply to most aspects of life!

Planning for the unexpected—and having a backup plan—is something we can build into our routines.

-Leaving for the airport a little earlier.
-Setting aside a little extra money each month.
-Having a Plan B, even when you’re working toward a Plan A.
-Building flexibility into your long-term financial plan.

None of these things mean you expect something to go wrong. They simply mean you’re prepared if it does.
Because sometimes the unexpected setback feels like a door closing.
But with a little preparation, it doesn’t have to be the end of the road.
It could be a window opening—showing you an alternative path forward.

Plan for the unexpected. Give yourself options. And remember that sometimes the best path toward your goal isn’t the one you originally planned.

09/21/2026

It’s Time For Our 🌟Annual Day of Service! 🌟

Each year, our team steps away from the office to give back to our community — We’re proud to spend the afternoon volunteering at the Montgomery County Food Bank!

📆Friday, October 23rd | 1:00–3:00 PM
📍 Montgomery County Food Bank, Texas

We invite our clients, friends, and community partners to join us as we help make a difference for families in need this holiday season. 💛

👉Register to join us here:
https://mcfoodbank.volunteerhub.com/vv2/lp/Schroederwealth

If you register, please reach out to us with your shirt size so we can have one ready for you on the day of the event! 👕

09/18/2026

Drill for Skill: Executor Training

Is your executor truly prepared to settle your estate?

After one conversation or a brief “show and tell,” it can be tempting to check this item off your list. But when the time comes, will your executor really know where to start?

We recommend engaging in a few executor training sessions so that, when the time comes, the estate settlement process feels familiar rather than overwhelming.

To get started, show your executor:

• Where your estate planning documents are located
• How to access your home, garage, or safe
• Where important passwords and access information are securely stored
• Which files contain your will and other important documents

Then, during your next session, step back and let them show you.

Can your executor access the information they need without your help? Do they know where to find your will? Can they access your home, garage, or safe without triggering an alarm?

We recommend completing this exercise at least once a year—and keeping a notepad handy to document any questions, tips, or updates along the way.

The more you and your executor prepare now, the easier the complex task of settling your estate may be later.

So, what do you think—Is your executor ready?

09/11/2026

On this Patriot Day, we honor the strength and resilience of our nation. Let's remember the lives lost and the heroes who emerged on that fateful day. May their courage inspire us to stand united, always.

09/11/2026

Many of us fall into a trap when thinking about our lives or setting goals—it goes something like this: “Someday I’ll travel more,” “Someday I’ll find the time to take that class,” or “Someday I’ll be able to retire.”

Regarding goals, author Brian Tracy famously said, “Not only do we all want the same things, but we all know what we have to do to achieve them. And we all intend to do those things, sometime. But before we get started, we decide that we need to take a little vacation to a wonderful fantasy place called ‘Someday Isle.’”

So, how do we avoid getting stranded on Someday Isle? Here are four suggestions:

1. Tell someone else. Share your goal with a friend, coach, parent, or your financial advisor.

2. Outline the first steps. They don’t have to be perfect—just a starting point to help you get moving.

3. Make it a habit to check in. Regularly review your progress and adjust as needed. What gets your attention gets results.

4. Add it to your plan. Our clients who are most likely to achieve their goals add them to their financial plan early. They start taking action to make those goals a reality, even when they may be far off on the distant horizon.

So, how will you chart a course away from Someday Isle? Sometimes, the first step is simply deciding to begin. The journey toward your destination starts with that first step.

09/07/2026

Markets pushed higher in August as AI-driven optimism helped investors look past softer economic data. The S&P 500 gained 2.62% and the S&P/TSX Composite rose 2.96%, even as softening retail sales kept consumer spending in focus. Back-to-school season adds another data point to that story, with spending expected to reach \$146.8 billion in the U.S. and \$4.5 billion in Canada this year.

The Standard & Poor’s 500 Index advanced 2.62 percent, while the Nasdaq Composite rose 3.93 percent. The Dow Jones Industrial Average lagged, adding 1.34 percent. The S&P/TSX rose 2.96 percent.1,2