Austin Rothstein - Helping you through every aspect of your financial life

09/02/2026

This Monthly Recap summarizes market performance, major events and news from August 2026. Read more here:

U.S. stocks returned to gains in August after the S&P 500 and Nasdaq Composite both ended negative the prior two months while the Dow Industrials capped a…

09/01/2026

Time for an insurance check-up? September is national life insurance awareness month!

If you don’t have life insurance yet, don’t stress! You certainly aren’t alone. Still, it’s important to make that “someday” goal into a reality, because the cheapest time for you to purchase life insurance is probably today!

If you are unsure of what type of life insurance is a good fit for you specifically, contact me! We can connect you with a life insurance expert that can help guide you on a search for a plan that suits your life.

08/31/2026

Your business won’t be managed by you forever. It’s a simple fact of life that one day you will retire and walk away from the career you’ve loved for so many years. Before that day comes, you have a decision to make: who will manage your business when you don’t anymore?

You have plenty of options, ranging from someone in your family that you’ve been preparing for this role to a trusted third party or anyone you deem qualified. The process of finding a successor for your business is certainly multilayered and complicated, but at the end of the day the only one who can make the final call is you. Still, if you need assistance or clarity during this process, please don’t hesitate to contact me and ask for help. We can go over your options and explore the possibilities.

08/31/2026

What will this week's economic data mean for rate hike odds?
Join Chief Market Strategist Brian Klimke on this week's episode of as he breaks down key reports on manufacturing, services, employment, and Friday's closely watched jobs report. With the Fed meeting just two weeks away, markets will be looking to see whether the data strengthens or weakens the case for another hike.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

08/28/2026

It’s fairly common knowledge that diversification is one of the core tenets of any good investing plan, but you might not be familiar with the concept of overconcentration, and just how much it can threaten your wealth preservation plan.

A portfolio that leans too heavily on one stock, industry, or asset class can expose you to unnecessary risk. It may seem feasible as a short-term strategy, but it can be problematic if your plan is to preserve your wealth across decades.

Is your portfolio at risk of underperforming due to overconcentration? It’s a smart move to review your current diversification strategy with a financial advisor if you’re unsure.
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All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. A diversified portfolio does not assure a profit or protect against loss in a declining market.

08/26/2026

If you’re a financial DIYer, you might feel like you’re drowning sometimes. The constant churn and change in the financial world caused by current events and events outside of your control can be maddening and can often leave you on your heels. Isn’t it time to be done with patchwork plans that require constant attention?

Contact me today, and we can create a streamlined plan that can take you to financial confidence without constant fixes and re-dos. Let’s make sure your financial plan is one that you can rely on.

08/24/2026

There is currently a lot of tumult in the global economy – there’s simply no way around that big truth.

Things might sound doom and gloom in the news, and depending on what your portfolio looks like, nobody would hold it against you if you were uneasy with the way things look. But it’s important to remember that periods of downturn are not the end of the world for your portfolio. If you have your eye on the big picture, you’ll realize that you can weather the storm and continue to move forward despite the way things may appear.

If you’re anxious about your investments and are on a short timeline to retirement, please don’t hesitate to reach out to me today. We can work together to find solutions that work for your portfolio and current goals.

08/21/2026

Life insurance is often framed as something you only think about "just in case."

But for many people, it can be part of a broader financial foundation—supporting both current flexibility and future considerations.

From how coverage works to what employer benefits actually provide, understanding the basics can make it easier to decide what fits your situation.

Several factors affect the cost and availability of life insurance. And any guarantees associated with a policy depend on the issuing insurance company's ability to continue making claim payments.

08/20/2026

What role does yield play in long-term investment success?
The Cetera Investment Management Team's latest Market Commentary, Reap What You Sow: Cultivating Yield for Long-Term Returns, explores how dividends, interest income, and reinvestment have historically contributed to portfolio growth and why today’s higher-rate environment may create new opportunities for investors.
Read the full commentary:

Every great harvest begins with a single seed. The vibrant assortment of fruits and vegetables at your local farmer’s market is the result of careful planning,…

08/20/2026

Read the latest issue of Financial Watch here:

Changing jobs is exciting, but it can also leave financial loose ends overlooked amid the transition, like an old 401(k) or an approaching vesting date. In…