Ryan J. Marshall, CFP, AIF

10/09/2026

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...

10/09/2026

Should you consider a Roth conversion before year-end?

The answer depends on your individual circumstances. 📊

Factors like your current tax bracket, retirement timeline, and future income expectations may all play a role. A Roth conversion isn't about following a trend—it's about determining whether it fits your overall financial plan.



Disclosure: All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. The views and opinions expressed are for informational purposes only and are not necessarily those of Cetera. They should not be considered specific advice or recommendations for any individual. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete. Neither Cetera nor any of its representatives may give legal or tax advice. Converting from a traditional IRA to a Roth IRA is a taxable event. A Roth IRA offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal or earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59 ½ or due to death, disability, or a first-time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes.

10/08/2026

Do you need umbrella insurance? Find out more.

Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected.

10/06/2026

Learn about Medicare’s popular program, offering retirees free gym membership and health education.

Medicare’s popular program, offering free gym membership and health education.

10/05/2026

A quick update as we head toward the new year! 📣

Starting in January 2027, I’ll be sharing all of my new content through the ELA Financial Group social pages.

I’ll still be sharing financial planning insights, videos, and helpful information—you’ll just find it alongside content from the rest of our ELA team, all in one place.

If you’ve enjoyed following along here, be sure to follow so we can stay connected in 2027!

One team. One place. Simplifying the way you stay connected.

10/04/2026

The average college senior graduates with credit card debt. How will your kids manage money?

You taught them how to read and how to ride a bike, but have you taught your children how to manage money?

10/01/2026

Many have heard they should avoid probate; do you understand what probate is and how it works?

Probate can be a completely public process, or it can be managed to include as little information as possible.

09/29/2026

Do you know what your insurance needs are, when you’re married, with children?

When you’re married and have children, insurance needs will be different.

09/27/2026

Wealth tends to raise the stakes on every spending decision — not just the big ones. The question isn’t always whether you can afford something, but whether it reflects what you actually value.

Explore how giving, gifting, and everyday spending can work together to support your family's long-term goals.

09/25/2026

An estate plan is important—but communication is just as valuable. ❤️

Your loved ones should know:
✔️ Who will make important decisions
✔️ Where key documents are located
✔️ What your wishes are
Open conversations today can help provide clarity and confidence for your family in the future.