Grace Wealth Management Group, Inc.

10/20/2026

Another interest-rate hike may be coming this year. The question is when.

Minutes from the Federal Reserve’s September meeting show that most officials believe another increase in the federal funds rate will likely be appropriate before the end of 2026. But policymakers stopped short of signaling whether that could happen at their October 28 meeting or the final meeting of the year on December 9.

📌 Of the 18 Fed officials who submitted rate projections, 16 expected another increase this year.

Why the caution? Inflation remains above the Fed’s 2% target, while officials described the labor market as close to maximum employment and noted that economic growth has picked up.

At the same time, Fed officials emphasized that future decisions will depend on incoming economic data rather than a predetermined timeline.

For now, another hike appears to be on the table, but the timing is still an open question.

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Source: https://www.cnbc.com/2026/10/07/fed-officials-see-another-hike-coming-but-no-sign-as-to-when-minutes-show.html

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10/13/2026

Treasury yields pulled back from their recent highs after a strong auction eased some concerns about demand for government debt.

The 10-year Treasury yield climbed as high as 5.35%, its highest level since 2002, before easing following the Treasury's sale of $39 billion in 10-year notes.

Demand at the auction was stronger than average, particularly from indirect bidders such as global central banks, which accounted for 80.3% of the sale, compared with a 10-auction average of 72.4%.

The broader backdrop is still one of elevated yields, with investors weighing persistent inflation, rising energy prices, and expectations that the Federal Reserve may raise rates again before year-end.

For now, the auction offered a little reassurance that demand for longer-term Treasurys remains strong even as yields sit near multidecade highs.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals. Please use the link below to select a convenient time on my calendar:
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Source: https://www.cnbc.com/2026/10/07/treasury-yields-auction-fomc-minutes.html

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09/29/2026

🏛️ The Federal Reserve raised its benchmark interest rate this week for the first time in three years, lifting the federal funds rate a quarter point to a range of 3.75% to 4%. Most officials expect at least one more increase before the year's end.

A few things are driving the move:
▪️Energy prices have climbed amid global tensions
▪️Spending tied to AI infrastructure has surged
▪️Together, they've pushed inflation above the Fed's 2% goal

The effects reach different corners of your budget in different ways:
▪️Credit cards and auto loans tend to reprice quickly
▪️Mortgage rates track longer-term Treasury yields, which have also climbed, pushing the 30-year average to nearly 7%

💼 The labor market has held steady through it all, with unemployment at 4.1%.

This is exactly the kind of shift worth talking through together, especially anywhere it touches your own borrowing or spending decisions.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals. Please use the link below to select a convenient time on my calendar:


Source: https://www.wsj.com/economy/central-banking/fed-raises-rates-for-first-time-in-three-years-08539fbe

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09/09/2026

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.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals. Please use the link below to select a convenient time on my calendar:
https://calendly.com/jpeters-12

08/25/2026

Sometimes the smallest details make the biggest difference. This post reminds small business owners that retirement benefits aren't just for big companies, and that something as straightforward as number of employees can determine whether a SEP-IRA or SIMPLE IRA is the better fit.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals. Please use the link below to select a convenient time on my calendar:
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08/06/2026

Retaining great employees starts with showing them their future matters. This post spotlights the SIMPLE IRA as an accessible retirement option designed with smaller teams in mind, giving business owners a specific, tangible reason to start the conversation.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals. Please use the link below to select a convenient time on my calendar:
https://calendly.com/jpeters-12

07/24/2026

When it comes to small business retirement options, the choices can feel overwhelming. This post highlights that a SEP-IRA, SIMPLE IRA, and 401(k) are structured differently, and that the right fit depends on business size, number of employees, and overall goals.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals. Please use the link below to select a convenient time on my calendar:
https://calendly.com/jpeters-12

07/21/2026

Small business owners often think of their employees as family, but are they set up like it? This post opens the conversation around retirement options available to small business employees, reminding owners that a 401(k) isn't the only choice and that some options are built specifically for smaller teams.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals. Please use the link below to select a convenient time on my calendar:
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07/02/2026

A bipartisan housing bill is drawing attention for its potential impact on home prices and housing supply.

The 21st Century ROAD to Housing Act would aim to boost housing availability by reducing certain construction barriers, encouraging zoning reforms, supporting factory-built homes, and creating incentives for localities that increase housing supply.

It would also restrict large institutional investors from buying additional existing single-family homes once they exceed certain ownership limits.

Housing affordability has become a major challenge in many communities. One reason is that the U.S. has built fewer homes than needed for years, helping push prices and rents higher.

Experts say the bill could help support new construction over time, especially for townhomes, multifamily housing, and smaller condo buildings.

However, any impact on prices would likely take time, and the legislation was still awaiting final action after a scheduled signing ceremony was canceled.

For buyers, sellers, and homeowners, the broader takeaway is that housing affordability often depends on more than mortgage rates. Supply, construction costs, local rules, investor activity, and policy decisions can all shape the market.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals during these times. Please click my link or logo/picture below to select a convenient time on my calendar:
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Source: https://www.cbsnews.com/news/road-to-housing-act-home-prices-senate/

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06/18/2026

Federal Reserve officials appear increasingly focused on how persistent inflation could shape future interest rate decisions.

Minutes from the most recent Fed meeting show that many officials supported keeping rates steady, while also noting that higher rates could become appropriate if inflation remains above the central bank’s 2% target.

The meeting also reflected a notable level of disagreement. The committee voted to hold its benchmark rate at 3.5% to 3.75%, but four members dissented — the highest number of dissents since 1992.

A key issue was whether the Fed’s statement should continue to suggest that a rate cut remained the more likely next move. Several officials preferred more flexible language, given ongoing inflation pressures.

For households and businesses, these discussions matter because interest rate decisions can influence borrowing costs, savings yields, mortgage rates, credit card rates, and broader economic conditions.

I invite you to schedule a complimentary consultation with me to explore innovative planning ideas and tailored tax strategies that can benefit your financial goals during these times. Please click my link or logo/picture below to select a convenient time on my calendar:
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Source: https://www.cnbc.com/2026/05/20/fed-officials-see-rate-hike-ahead-if-inflation-stays-elevated-minutes-show.html

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