John A. Warekois, CPA, LLC

John A. Warekois, CPA, LLC Securities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. John A.

Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Warekois, CPA is the local solution to all of your accounting and tax preparation needs in Southern Oregon. With over 20 years of experience in the industry, John offers personalized, professional, and problem-free income tax preparation for individuals and small businesses as well as estate & trust planning, audit representation, CFO services, business plan analyses, and more. Contact John today for more information! Securities offered through Avantax Investment Services℠, Member FINRA, SIPC Investment advisory services offered through Avantax Advisory Services℠

Some younger consumers are spending on luxury items even as major milestones feel harder to reach.An article from The Ec...
09/28/2026

Some younger consumers are spending on luxury items even as major milestones feel harder to reach.

An article from The Economic Times explores whether Gen Z spending on items like expensive smartphones, sneakers, and travel may reflect a broader version of the “Lipstick Effect.” 📱👟✈️

The Lipstick Effect describes a pattern where consumers buy smaller luxuries during periods of financial uncertainty, especially when larger purchases feel out of reach.

In this case, the larger purchase is often homeownership.

As housing costs rise, some younger adults may feel that saving for property is increasingly unrealistic. Instead, they may choose purchases that offer more immediate enjoyment, identity, or a sense of progress.

That does not mean every purchase is financially harmful. But it does show how affordability pressures can shape behavior, priorities, and trade-offs.

The broader takeaway: spending decisions often reflect more than impulse. They can also reflect economic realities, delayed milestones, and the ways people look for meaning when traditional markers of success feel further away.


Source:

Financial advisor Prem Soni says Gen Zs spending on Rs 15,000 sneakers, expensive iPhones and foreign holidays may reflect the “Lipstick Effect.” He argues that with homes costing around Rs 3 crore and long-term EMIs, traditional milestones feel increasingly unreachable for young earners. Instea...

Have you thought about maximizing your tax savings with capital gains and losses carryover? By leveraging these strategi...
09/26/2026

Have you thought about maximizing your tax savings with capital gains and losses carryover? By leveraging these strategies, you can offset gains and potentially decrease your tax bill. Whether it's utilizing capital loss carryovers or understanding the tax implications of capital gains, there are a variety of intelligent ways to navigate the tax landscape. Let's explore these strategies together to make the most of your financial planning!

Big expenses like a family trip, a milestone gift, or a home renovation rarely come as a surprise, yet they often get tr...
09/21/2026

Big expenses like a family trip, a milestone gift, or a home renovation rarely come as a surprise, yet they often get treated like one. Planning for them in advance, with a number attached, can turn them from a source of stress into something you can enjoy.

Considering IRA conversions and distributions? These tactics could be game changers in your tax planning. By converting ...
09/19/2026

Considering IRA conversions and distributions? These tactics could be game changers in your tax planning. By converting a traditional IRA to a Roth IRA, you may secure tax-free income during retirement. Additionally, qualified charitable distributions from your IRA could fulfill required minimum distributions while reducing your taxable income. Contact us today so we can share how IRA strategies could help optimize your tax savings!

09/17/2026

🚛 KEEPING SOUTHERN OREGON BUSINESSES MOVING!

Integrity Connections BNI Featured Speaker will be Anna Dehoog, owner of All-Pro Fleet Services.

All-Pro Fleet doesn’t just repair vehicles — they focus on building long-term relationships that help businesses keep their fleets on the road and their operations moving.

Join us on Zoom to learn more about Anna, owener of All-Pro Fleet Services, and why dependable fleet care can make such a difference for your local business.

📅 Wednesday, September 23
⏰ 7:30 AM
💻 Zoom Meeting
📲 Scan the QR code on the flyer to register!

Come meet local business professionals, build connections, and learn more about a Southern Oregon company serving our business community.

For many Gen Xers, retirement is starting to feel less like a distant milestone and more like a looming financial realit...
09/14/2026

For many Gen Xers, retirement is starting to feel less like a distant milestone and more like a looming financial reality.

The oldest members of the generation will turn 62 next year, the earliest age to claim Social Security. At the same time, many are approaching retirement with limited savings and fewer pensions than previous generations had.

The median Gen X retirement savings balance is about $107,000, while members of the generation estimate they’ll need roughly $700,000 for retirement. Social Security may also become an increasingly important source of income, with 41% of workers over 55 saying they expect it to be their primary source in retirement.

That gap is prompting some Gen Xers to rethink when they’ll stop working, how much they may need to save, and what retirement could realistically look like.

If retirement is getting closer, this may be a good time to review your savings, expected Social Security benefits, and other sources of retirement income.


Source:

Millions of Generation X Americans expect to depend on Social Security as their main — or only — source of retirement income.

With tax season here, it's time to explore tax-saving opportunities you shouldn't overlook! By incorporating tax-intelli...
09/12/2026

With tax season here, it's time to explore tax-saving opportunities you shouldn't overlook! By incorporating tax-intelligent strategies into your larger financial plan, you could unlock potential ways to keep more of what you earn. From IRA distributions to capital gains and charitable giving, we welcome the opportunity to dive into key tax-intelligent strategies with you!

The best decisions about family gifting and charitable giving are rarely made in the moment they're requested. Deciding ...
09/07/2026

The best decisions about family gifting and charitable giving are rarely made in the moment they're requested. Deciding in advance — not in response to a deadline — is what makes giving feel aligned with what you value.

Did you know the right advisor can add 3%+ annually to your portfolio in after-tax value? By working with a tax-intellig...
09/05/2026

Did you know the right advisor can add 3%+ annually to your portfolio in after-tax value? By working with a tax-intelligent financial professional, you pursue a world of benefits:

🔍 Tax-Intelligent Planning: Make the most of financial tools by reducing tax implications. Benefit from tax-efficient investment products and strategic planning to help minimize unnecessary taxes.

📊 Proactive Management: Align investments with your long-term goals.

🧠 Behavioral Guidance: Achieve rational decision-making and overcome financial hurdles by understanding your behaviors and biases.

🤝 Personalized Experience: Your financial plan should evolve with you. Enjoy financial planning tailored to your unique circumstances.

09/03/2026

🩺 Medicare Doesn’t Have to Be Confusing!

Turning 65? Already on Medicare? Helping a parent or loved one navigate their options?

There can be a LOT to understand—and having the right person in your corner can make all the difference.

This week, Integrity Connections BNI welcomes Zach Park with American Senior Benefits as our Featured Speaker.

Known as the “Medicare Guy,” Zach helps people understand their options and develop a Medicare plan designed around their individual needs.

Join us and learn more about:

🔹 Understanding your Medicare options
🔹 What to consider when choosing coverage
🔹 Questions you should be asking
🔹 How working with a knowledgeable professional can simplify the process
🔹 When it may be time to review your current plan

And even if Medicare isn't something you need today, chances are you know a parent, family member, friend, client, or neighbor who could benefit from knowing Zach.

📅 Wednesday, September 9
⏰ 7:30 AM
💻 Integrity Connections BNI – Zoom Meeting
📲 Scan the QR code to register

Come hear from Zach, meet local business professionals, and experience what BNI and Givers Gain® are all about.

Visitors are always welcome!
Register with link below or scan QR code in image.
https://bnioregon.com/en-US/visitorregistration?chapterId=9283

Address

250 E Pine Street
Central Point, OR
97502

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+15417722410

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