Matthew Smith, Fusco Financial Associates

Estate planning for singles: make a will, draft a durable power-of-attorney, name an attorney-in-fact, and a health care proxy

Estate Planning For Singles www.kiplinger.com

🌟Reflecting on 2023 & Charting Our Course for 2024! 🌟

Proud of our team's achievements and the resilience shown in 2023. Collective effort drove our success, and every challenge became a stepping stone. We are geared up for a year of fresh goals and greater heights. Grateful for the incredible individuals who make up our team and the wonderful clients that we have the privilege of servicing. Excited for the opportunities ahead in 2024. Here's to another great year.

Merry Christmas! May your celebrations be filled with peace, joy and time spent with those you cherish most. Our office and the market are closed Monday, December 25, in observance of Christmas Day.

Take a look at some key financial resolutions that can help you start the year off right.

Financial resolutions for 2024 www.raymondjames.com

Is the Federal Reserve poised to change course? Market's are weighing the possible outcomes as the FOMC will convene this week for the final time this year.

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Happy Thanksgiving to all our incredible clients! We are so grateful for your continued support and trust in our services. Enjoy this special time with your loved ones, and may your day be filled with joy, gratitude, and lots of delicious food!

On Saturday, we hosted our 22nd Annual Client Appreciation Gala where we celebrated with our clients, shared delicious food, and danced the night away to some live music!

Have you maxed out your retirement accounts for 2023?

The IRS announces changes to 2024 retirement contribution limits!

The yield on 10-year Treasury bonds eclipsed 5% for the first time in nearly 20 years this week, what are the implications of this recent surge in yields?

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Relief on federal student loan payments is coming to a close next month, how will the resumption of payments impact the U.S. economy?

Written By: Brandon Hethcoat

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Secure Act 2.0 that passed last December, made some changes regarding making Catch-Up Contributions for higher earners.

It stated that starting in 2024 - Those making at least $145,000 per year would be required to make catch-up contributions to Roth - post-tax - accounts.

However, due to the complicated nature of setting up a system that would funnel these high-income employees, the IRS has postponed the effective date to 2026.

This means employers have additional time to introduce the changes within their plan and employees can continue making pre-tax contributions to their retirement accounts.

What are your thoughts on the updated changes to the catch-up contributions?

IRS announces two-year delay to TSP catch-up contribution changes www.govexec.com

If you're interested in investing in mutual funds or exchange-traded funds (ETFs) – or you already have some in your portfolio – you may be wondering what exactly the difference is between an active and a passive fund

Understanding active and passive mutual funds www.raymondjames.com

Having the opportunity to spend the day with your dad and supporting a local organization doesn't get much better.

When I am not in the office, you will most likely find me on the golf course (wearing a fun shirt). The game of golf not only takes a lot of practice and experience but also the mental strength to not get discouraged when things go badly. This can be similar to investing in your future.

Thank you to the Back River Restoration Committee for hosting a fantastic event and for all of the work you do in the local community.

Retirement can last 25 years or more. Rather than thinking of retirement
as a finish line, think of this next chapter as a time where you can live life
to the fullest. Strengthen your relationships with family, explore hobbies
that bring you joy and maximize every moment. The longevity you
achieve in retirement is a testament to a life well lived.

Happy Monday!! First day at Raymond James National Conference. Time to Elevate and enhance my value to my clients!

How can you pay off your credit card debt while minimizing your interest payments? Here are some strategies to keep in mind that may help you find your debt-free path.

Pay off debt with a plan in mind www.raymondjames.com

Don't settle for someone else's idea of retirement. Retirement should be an exciting new phase of your life that you customize to your interests. Read on to learn about potential adventures you can pursue.

Spend your retirement thriving www.raymondjames.com

Review your cash flow: Make sure all expenses are considered and that you're still allocating enough to your savings, retirement and rainy day accounts

Refresh and renew your portfolio this spring www.raymondjames.com

Recent market activity and rising interest rates have investors thinking twice about cash. Here are some things to consider.

Can you distinguish cash fact from cash fallacy? www.raymondjames.com

Volatility in the markets is expected to continue in the short-term, but don't lose sight of the long-term notes Mike Gibbs, director of Equity Portfolio & Technical Strategy. Read the latest Weekly Market Guide for additional insights.

Weekly market guide: March 10, 2023 www.raymondjames.com