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 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.

Estate Planning | Modern Woodmen

As we approach the end of the year, it's the perfect time to reflect, organize and prepare for the future. Estate planning isn’t just for the wealthy – it’s for anyone who wants to protect their loved ones and ensure their wishes are honored. · Review your will. · Update beneficiaries. · Consider trusts and powers of attorney. · Talk to a financial representative. Start the new year with peace of mind. Let's talk about how estate planning can work for you.

This season, consider giving something truly priceless: peace of mind. Life insurance isn’t just a policy. It’s a promise to protect the people you love most. Whether it’s securing your children’s future, covering unexpected expenses or simply showing you care, life insurance is a gift that keeps giving. Let's meet to discuss your options.