Buffalo First Wealth Management, LLC

10/22/2026

Did your Medicare plan mail you a notice at the end of September? Don't toss it! 📬

It's your Annual Notice of Change, and it shows what's changing in your plan for 2027: costs, covered benefits, drug coverage, and which doctors are in network.

Medicare Annual Enrollment runs now through December 7. If you don't like what's changing, this is your chance to compare plans and switch. New coverage starts January 1.

Is your Medicare Advantage plan ending? Pick a new one by December 31 to avoid a gap in coverage. (You can still make a change through February 28, but later changes start later.)

Watch the video for what to look for 👆

Have you looked at your ANOC yet? Tell us in the comments: YES, NOT YET, or WHAT'S AN ANOC?

Watch the Full Video Meeting Here: https://youtu.be/LGvH4PYCRZk

Questions about how Medicare fits into your retirement plan? Start a conversation: https://buffalofirstllc.com/contact-us/

🚨 Medicare AEP Alert: What You Need to Know for 2027 Plans! 🚨Annu...

10/21/2026

You sent it back, so why are you still making payments? When buy now, pay later sits between you and the store, a return doesn’t always stop the payment schedule right away. Juliana explains why your refund can take longer. Has this happened to you?

10/20/2026

On October 14, 2026, the Social Security Administration (SSA) announced a 3.6% cost-of-living adjustment (COLA) for 2027, marking the largest increase in Social Security benefits since 2023.

With this adjustment affecting approximately 76 million Americans receiving Social Security or Supplemental Security Income (SSI) benefits, we wanted to share a breakdown of what's changing, how it may impact your finances, and a few important considerations for 2027. Swipe to learn more.

If you'd like to discuss how these changes may affect your retirement income, budgeting, or overall financial plan, we’d be happy to help. Feel free to give us a call to set up a time to connect.

10/19/2026

Quick question: How many buy now, pay later apps do you have? 0, 1, 2, or 3+? Each new one is another login and another due date. Miss one, and the late fee may be just the start. Juliana explains how your credit score can feel the effect.

Watch the Full Video Here: https://youtu.be/T2Mh6Nnrc9Y

10/13/2026

“Pay in 4” makes a $400 purchase feel like $100. But all four payments still have to fit somewhere. Allen and Juliana talk about putting buy now, pay later payments into your monthly budget, and why the fine print matters.

Comment below, Would you use it for something that isn’t in your budget? YES or NO below.

Watch the Full Episode Here: https://youtu.be/T2Mh6Nnrc9Y

10/07/2026

Have you ever clicked "Pay in 4" at checkout? 🛒

You're not alone. Klarna, Affirm and Afterpay show up on almost every shopping site now, and splitting $100 into four $25 payments feels painless.

But buy now, pay later is still a loan. On this week's Making Money Manageable, Allen and Juliana talk through what to watch for:

🚩 Missed payments can mean late fees and may affect your credit score
🚩 Three or four BNPL apps means more logins and more due dates to track
🚩 Returns can get messy, and your refund may take longer
🚩 Those balances add up when a lender reviews your debt before a bigger purchase
🚩 Some plans do charge interest, so check the fine print

Their best tip: before you click "pay later," ask yourself, "Would I still buy this if I had to pay for it all today?"

Quick question: What's the last thing you bought with buy now, pay later? Tell us below 👇

🎥 Watch the full episode: https://youtu.be/T2Mh6Nnrc9Y

10/07/2026

Quick question before you take money advice from the internet: who's giving it? 🤔

Credentials can tell you a lot about someone's training and their agenda. Juliana explains what to look for and what being a fiduciary means for our team.

Watch the Full Episode Here: https://youtu.be/Lk4FrTN5cdA

Tip: You can look up a financial professional's background for free at Investor.gov.

10/02/2026

"Do this now or you'll miss out." 🚩
"It's a sure bet. You can't lose." 🚩

If a money tip comes with pressure or a promise, slow down. Very few financial decisions truly have to happen today, and every strategy has trade-offs.

Juliana explains in this Short. Watch the Full Episode here:
https://youtu.be/Lk4FrTN5cdA

09/28/2026

Ever start a money conversation with "I saw this video that said…"? You're not alone. 📱

People bring us advice from social media all the time. Some of it holds up. Some of it doesn't fit their situation at all.

Allen kicks off our new Finfluencer Red Flags series with a few ways to vet financial advice before you act on it.

Watch the Full Episode Here: https://youtu.be/Lk4FrTN5cdA

09/23/2026

Ever seen a money tip online that sounded a little too good to be true? 🤔

Financial advice on social media is everywhere. We're part of it ourselves! But when clients bring us tips from influencers they follow, we sometimes spot a few warning signs.

In the latest Making Money Manageable episode, Allen Dembski and Juliana Janson share the red flags they watch for, including:

✔️ No disclaimer that the content is general education
✔️ Pushing one specific product
✔️ "Everyone should do this" advice
✔️ Pressure to act right now
✔️ Promises of guaranteed returns

Their advice: compare several sources, and check a professional's background through FINRA, the SEC, or New York State.

Heard a money tip online you'd like us to weigh in on? Drop it in the comments.