W Investments

W Investments David Wernli, CEP®
Andrew Tipton, CFP®
Chris Sexton Securities offered through LPL Financial. Member FINRA/SIPC.

www.finra.org and www.sipc.org Investment advice offered through IHT Wealth Management, a Registered Investment Advisor. W Investments and IHT Wealth Management are separate entities from LPL Financial. The financial professionals associated with W Investments may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be

made or accepted from any resident of any other state. Third party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.

Retirement gives you time.A lot of it.And while that sounds freeing, it can also feel overwhelming at first.When you're ...
06/03/2026

Retirement gives you time.

A lot of it.

And while that sounds freeing, it can also feel overwhelming at first.

When you're working, much of your day is structured. In retirement, you decide what today looks like.

Some people find it helps to create a little rhythm:
▪️A weekly volunteer day
▪️Lunch with friends
▪️A standing class
▪️Mornings reserved for exercise or hobbies

Not to recreate work — just to have something to look forward to.

Freedom often feels better with a little shape.

Before skipping your daily walk, keep this in mind: regularly active adults can save up to $2,500 a year compared to cou...
06/03/2026

Before skipping your daily walk, keep this in mind: regularly active adults can save up to $2,500 a year compared to couch potatoes.

Year after year, according to a 2025 report in Stronger Life. Think of your exercise routine as the retirement savings that you don't have to drain early.

Drop your non-negotiable habit below.

If you or someone in your family is still in school—or heading back in the fall—now is the time to make sure your FAFSA ...
06/01/2026

If you or someone in your family is still in school—or heading back in the fall—now is the time to make sure your FAFSA form is in.

A few things worth knowing:
⏰ The federal deadline is June 30. State and school deadlines are often earlier.
⏰ Many types of aid are first-come, first-served. Waiting could cost money.
⏰ You can make corrections after submission, but the form needs to be in first.

Don't let a deadline get in the way of money that's already available to you.

One adjustment many retirees don't expect?Spending can feel emotionally different.For decades, income came in the form o...
05/31/2026

One adjustment many retirees don't expect?

Spending can feel emotionally different.

For decades, income came in the form of a paycheck, and saving was the goal. In retirement, you're drawing from what you built.

Even if the numbers work, the shift can take time.

Separating essential expenses from flexible choices often helps. Once core needs are covered, the rest becomes intentional — not stressful.

Confidence tends to grow as you settle into your new routine.

Some retirees describe the first few months as a honeymoon phase.Travel. Projects. Rest. Catching up on everything that ...
05/28/2026

Some retirees describe the first few months as a honeymoon phase.

Travel. Projects. Rest. Catching up on everything that was postponed.

And then something shifts.

After the glow wears off, deeper questions start to surface:
▪️How do I want to spend my time?
▪️What feels meaningful now?

That transition is normal.

Retirement creates space. The first year is about deciding what deserves it.

Working from a café, airport, or shared space has become part of everyday life for many, but it can also entail addition...
05/27/2026

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.

Can you put a dollar figure on being healthy?One study that compared active and inactive adults found that healthcare co...
05/27/2026

Can you put a dollar figure on being healthy?

One study that compared active and inactive adults found that healthcare costs are 9% to nearly 27% lower for those who stay "on the move," according to a landmark study by BMJ Journals.

When socking away money for retirement, savvy savers are not only accumulating money but also thinking about what they won't have to spend.

There's a moment early in retirement that catches many people off guard.You wake up… and there's nowhere you need to be....
05/25/2026

There's a moment early in retirement that catches many people off guard.

You wake up… and there's nowhere you need to be.

At first, that quiet feels wonderful. After years of deadlines and responsibility, it's a relief.

And then the question comes:

Now what?

If that feels familiar, you're not alone. Retirement isn't just a schedule change. For many people, it's an identity shift.

The first year isn't about having everything figured out. It's about finding your rhythm.

On this Memorial Day, all of us at W Investments pause to remember and honor the brave men and women who gave their live...
05/25/2026

On this Memorial Day, all of us at W Investments pause to remember and honor the brave men and women who gave their lives in service to our country.

Their sacrifice has protected the freedoms and opportunities we enjoy every day, and we are deeply grateful to those who served and continue to serve and the families who carry their legacy forward.

Wishing everyone a meaningful and safe Memorial Day weekend. 🇺🇸

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