Insurance Services

Advisory Services

Month: November 2025

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How to Avoid Holiday Debt: 8 Steps to Stay on Budget

Holiday spending is rising sharply in 2025, with shoppers planning to spend more on gifts and online purchases than last year. This guide shares 8 steps to help you avoid holiday debt, set clear expectations, create a realistic budget, shop smarter, and stay in control of your finances this season.   Holiday Spending Is Surging… Continue reading How to Avoid Holiday Debt: 8 Steps to Stay on Budget

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Retirement 401(k) and IRA Contribution Limits for 2026

Updated: November 2025 According to the IRS (Notice 2025-67, released November 13, 2025), the 401(k) contribution limit will rise to $24,500 for 2026, up $1,000 from 2025, while the IRA contribution limit increases to $7,500 plus a $1,100 catch-up for savers age 50 and older.[1]  These cost-of-living adjustments, part of the SECURE 2.0 Act updates,… Continue reading Retirement 401(k) and IRA Contribution Limits for 2026

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Why the 2026 Social Security COLA Increase Won’t Be Enough

If you’re hoping the 2026 Social Security COLA will help ease the pressure of rising costs, don’t get your hopes up. The 2026 increase is only 2.8%.¹  With inflation, Medicare premiums, and everyday expenses climbing faster, it won’t go far.  In this post, we’ll help break down what the new COLA really means, why it… Continue reading Why the 2026 Social Security COLA Increase Won’t Be Enough