Financial tip -- start small. The best way to attain a goal is to start small. If you have a large goal in mind, like buying a new home or saving for retirement, think about it in bite-sized chunks. For example, set a minimum amount you'd like to save each month, or strive to meet your budget. Small actions can add up. Need help? Meet with me to build a plan.

The holidays are a time for joy, gratitude, and connection. One of the most meaningful ways to celebrate is by giving back. Whether you donate to a local charity, volunteer your time, or simply spread kindness in the community, every act of generosity makes a difference! Let’s make this season brighter for those who need it most.  #MakeAnImpact #GiveBack #HolidaySpirit

What are your favorite things about fall? My favorite things are: Soups, fires, and the fall foliage Share how fall is best enjoyed by you below!

Modern Woodmen is partnering with Wreaths Across America to remember and honor veterans by laying wreaths on their graves this December. You, your family and friends can help honor our fallen heroes by volunteering at one of our local cemeteries. (And/or you can sponsor a wreath to be placed on a gravestone at Arlington National Cemetery. Modern Woodmen will match each purchase, wreath for wreath, doubling your impact.) Learn more: Wreathsacrossamerica.org/modernwoodmen