Smith, Moses and Cozad, LLC

05/21/2026

😎🚗 Looking for weekend travel inspiration? #6 Mackinaw City

Small Midwestern towns deliver easy weekend getaways from bigger cities, with art, nature, food, and culture worth the trip.

05/20/2026

Losing a spouse is an emotionally distressing time, and not surprisingly, tax-related concerns may not be a priority for a surviving spouse. However,failure to take appropriate steps can lead to a survivor paying more in tax than...

05/19/2026

Find your row first, then look one row up.

That's the difference starting 5 years earlier can make.

At a hypothetical 8% annual return, the difference between starting at 40 vs. 35 on a $500/month contribution is over $200,000 by the time you reach 65. Not because of more money—just more time.

Time in the market is not just valuable, it's the whole game.

Which row did you land on—and did it surprise you?

05/14/2026

Summer means the kids will be out of school, making it an excellent time to plan a family getaway. Check out this list of the best summer vacation spots for family fun. These destinations are sure to create lasting memories for you and your loved ones.

All-inclusive? Outdoorsy? Thrilling? We've got something for everyone.

05/12/2026

Tech Tip... Working from a café, airport, or shared space has become part of everyday life for many, but it can also entail additional privacy and security risks.

Public Wi-Fi networks, especially those without passwords, may leave data vulnerable. Even in secured networks, not all data is fully encrypted, which can expose sensitive information.

To help reduce risk, experts suggest a few simple precautions:
➡️Use a mobile hotspot instead of public Wi-Fi when possible
➡️Consider a VPN to help protect data
➡️Be mindful of your surroundings to avoid “shoulder surfing.”
➡️Position your screen carefully or use a privacy filter

It’s also a good idea to avoid discussing sensitive information in public spaces, where conversations may be overheard.

Small adjustments like these can help make working outside the home more secure while staying connected on the go. 💻


Source:

Digital nomads often work from cafes, co-working spaces or airports, thanks to reliable internet and the rise of remote work.

05/11/2026

You're retiring and want to downsize to your dream house. However, you have a problem: You need to use the proceeds from the sale of your current home to pay for the new one. One option you might consider is using a securities-based...

05/10/2026

Pack a picnic! 🧺🍉🍗

Eating dinner outside once a week can improve mood, reduce stress, and support mindfulness. Here’s why experts say this small habit has big mental health benefits.

05/09/2026

Worth the short read...

Without knowing it, we might be the thing holding someone else together. We might be the calm in a storm we didn’t even know was happening.

05/07/2026

Madison, GA ~
Housed in an old gas station situated just off a main street, The Sinclair serves as a gathering spot for Madison’s early risers.

Blooming main streets, antique shops, and plenty of local flavor await.

05/06/2026

That yellow section? That's money you never saved, your money made it for you.

This is compound interest in action. Start with $1,000/year at a hypothetical 5 percent return, and by year 30, you've built nearly $70,000. But the real story is the yellow: Interest earning interest.

Year 1: almost no interest at all.
Year 30: the interest on your interest alone might cover a year of car payments (or more).

You don't need to invest more. You need to stay focused on your strategy. What's one financial habit you wish you'd started earlier? Drop it below. 👇

05/06/2026

🏀 Shout Out to UD and WSU!!!

A recent study ranked Dayton the 6th Best Midsize City for basketball fans.