Retiring in 2026? Here are three year-end retirement planning tips to help you make the most of your finances before the calendar flips. 1. Maximize retirement contributions. Boost your 401(k), IRA and HSA savings before limits reset! 2. Delay Social Security (if you can). Waiting equals bigger monthly checks later. 3. Review and update your wills, trusts, powers of attorney and health-care directives. Meet with me to discuss!

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Members, there's still time for you and your family and friends to join us on our West Coast cruise! Cabins are almost full. Don't miss out on this exciting adventure in Cabo! https://na.eventscloud.com/CaboCruise/

Looking for a meaningful gift this holiday season? Set your grandchildren up for lifelong security with life insurance designed just for them. · Lock in low rates while they’re young. · Protect their future insurability. · Build cash value for college, a first car, or other milestones. Let’s talk about how you can give peace of mind that lasts a lifetime.

This holiday season, reimagine what giving back can look like. Here are a few ways to make heartfelt community gestures. 1. Partner with a local animal shelter to host a “pet pantry” of donated pet food, treats and toys. 2. Organize a holiday story hour at a local library or school and read seasonal books aloud. 3. Set up a tree at a local business where community members can hang donated hats, gloves and scarves for those in need. 4. Provide moments of joy on everyday routes by leaving holiday cards or small treats for postal workers or delivery drivers. Modern Woodmen members, apply for a $200 Do-Good Grant®️ to try one of these ideas! https://www.modernwoodmen.org/do-good-grant/