Providence Wealth Planning

10/16/2026

Nearly 30 percent of ultra-high-net-worth families have experienced a cyberattack.
As your digital footprint grows, your security habits must evolve too. Securing your wealth is about more than just monitoring your portfolio. It is about building a proactive approach that covers your entire digital life.

Small steps like freezing your credit or segmenting your home network can significantly reduce your risk. These high-value habits are easy to implement and provide a stronger layer of defense for your family assets.

It may be time to revisit how your digital security fits into your broader financial strategy.
Reach out to your financial professional today to discuss a comprehensive approach to securing your digital wealth.

Sources:
JPMorgan.com, January 23, 2026
Risk-strategies.com, 2025
Toplinecu.com, March 18, 2026
Fidelity.com, 2026

10/14/2026

Heating oil could make winter noticeably more expensive for millions of households this year. 🏠

The U.S. Energy Information Administration expects heating oil to average $5.26 per gallon this winter, up 34% from last year. Even with a warmer winter expected to reduce consumption, households that primarily use heating oil are projected to spend about 21% more, averaging $2,115 from November through March.

The impact is especially concentrated in the Northeast, where about 3.4 million households rely on heating oil. Meanwhile, households using natural gas or propane are expected to see lower average heating costs this winter.

Actual bills will still depend heavily on the weather and local fuel prices. For households looking to reduce energy use, steps like sealing air leaks, maintaining heating equipment, and lowering the thermostat while away or asleep may help trim consumption. 🌡️



Source:

A tight global diesel market is driving up heating oil prices, with households in the Northeast facing the biggest impact.

10/12/2026

Is your estate strategy full of cobwebs? Does your investing approach have too many tricks and not enough treats? Does your retirement timeline read like a ghost story?

These things have a way of going bump in the night.

Knowing where you stand is the first step.

10/10/2026

Time to start thinking about a college savings plan? Our advisors are here to help.

10/07/2026

🚨 Scammers are getting more sophisticated, and the financial toll is growing.

Americans reported a record $15.9 billion in scam losses last year, up 25% from the year before. And the real number may be much higher, since many victims never report what happened.

⚠️ The problem is also widespread: 98% of Americans surveyed said they believe scammers have targeted them, and 3 in 10 said they’ve personally lost money or information.

Recovering stolen funds can be difficult, especially when someone is tricked into authorizing a payment. Victims may also be targeted again by criminals claiming they can recover the original loss for a fee.

🔐 If someone contacts you unexpectedly about money, an investment, or recovering funds you’ve already lost, slow down before sending anything. Verify who you’re dealing with through a trusted source, and be especially cautious if there’s pressure to act quickly.


Source:

Virtually every American has been targeted by scammers in some way, exclusive new polling data shows.

10/04/2026

October is Breast Cancer Awareness Month.

We take this time to honor the strength of those who have faced a diagnosis, support those currently going through it, and recognize the families and communities who stand beside them.

Awareness matters. Support matters. Presence matters.

We stand with you.

10/02/2026

🏠 Mortgage rates climbed above 7% last week, and more borrowers started looking for a different way in.

The average rate on a 30-year fixed mortgage rose to 7.12%, while adjustable-rate mortgages offered rates more than a percentage point lower. That difference helped push ARMs to 9.8% of all mortgage applications, up from 8.4% two weeks earlier.

🔑 The appeal is easy to understand: an ARM may offer a lower initial rate and monthly payment. But that rate doesn’t stay fixed forever. Once the initial period ends, it can adjust higher or lower depending on where rates are at that time.

Meanwhile, overall mortgage demand fell, with purchase applications down 1% for the week and refinancing applications down 3%.

A lower rate today can be tempting. What it does after the fixed period ends is the part worth thinking through before you sign.


Source:

As mortgage rates rise, borrowers are seeking savings in riskier, adjustable-rate mortgages that offer lower rates.

09/29/2026

It’s not easy to feel confident your financial plan is on target when that target might be 10, 20, or even 30 years away! But adjusting your aim SOONER rather than later can make a huge difference in your overall success. Schedule your free Second Opinion analysis today!

09/28/2026

What if one tax return could make your Medicare Part B premium 3.4x higher*? 💡

IRMAA (Income-Related Monthly Adjustment Amount) can significantly increase what you pay for Medicare Parts B and D if your income exceeds certain thresholds. And the surprise for many retirees? It's based on your income from two years ago.

Planning ahead may help you avoid unexpected premium increases.

Contact your Providence Wealth Planning advisor to learn more.



*ssa.gov, 2026

09/25/2026

🌟 Make a Difference Today! 🌟

One way to give back to the community comes when you experience the joy of volunteering. Whether it's lending a helping hand, sharing your skills, or spreading kindness, every effort counts. Together, we can create a positive impact and inspire change. 🤝❤️

Ready to make a difference? Volunteer now!