Ready to take control of your finances in 2026? Here are four tips to get you started! 1. Live within your means. Create a spending plan. 2. Save then spend. Make saving automatic. 3. Start now. It’s always better than starting later. 4. Outpace inflation. The longer you live, the more you need to do so. I can help! Schedule time to meet with me.

At Modern Woodmen, our brand colors tell a story. In our early days, members would have jewelry decorated with red (representing life, action), white (pure intentions) or green (eternal life) enamel. Today, our official colors are blue and green, often depicted through sky and land imagery. This expresses our rural roots, while conveying growth and a positive future.

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!

Looking for fun, cost-friendly DIY projects to add some magic to your holidays? Here are five ideas! 1. DIY garland: String together popcorn, cranberries or paper cutouts. 2. Toilet paper roll crafts: Make Santas, reindeer or mini gift boxes. 3. Mini gingerbread houses: Use graham crackers instead of gingerbread. 4. DIY holiday cards: Use stamps, stickers and recycled paper. Upcycled jar gifts: Fill with homemade treats, bath salts or cocoa mix.