Northern Arizona Financial Services, LLC

11/13/2026

Your debt-to-income ratio is one of the key numbers lenders look at. Find out where you stand and what it might mean for major financial decisions.

Calculate your debt-to-income ratio to understand how lenders may view your financial health.

11/11/2026

Not sure which option makes more sense for you? This calculator lets you compare two scenarios head-to-head so you can make a more informed choice.

Compare two different scenarios side by side to see how they stack up over time.

11/10/2026

Read the latest issue of Retire Wise here:

Many retirees plan their spending as one flat number adjusted for inflation each year, but research suggests spending often shifts as retirement unfolds. In…

11/09/2026

Last week's sell-off raised fresh questions about AI, data center investment and what's next for markets. Join CIO Gene Goldman on this week's episode of as he explains what's driving investor concerns, why we remain constructive on the long-term AI story, and what opportunities may emerge from the recent pullback.

“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...

11/09/2026

Even a small bump in your 401(k) contribution could make a big difference over time. Run the numbers and see what's possible.

See how increasing your 401(k) contributions today could affect your balance at retirement.

11/09/2026

October brought a mixed bag for North American markets. The S&P 500 declined 0.93 percent, while the Nasdaq Composite fell 5.30 percent amid pressure on technology stocks. The Dow Jones Industrial Average, meanwhile, gained 1.70 percent. In Canada, the S&P/TSX Composite rose 1.09 percent. As November gets underway, inflation and developments in artificial intelligence remain important stories to watch. And with the giving season approaching, this month's By the Numbers takes a look at charitable generosity and GivingTuesday. From market performance to seasonal giving, there's plenty to explore in this month's Monthly Market Insights.

The Standard & Poor’s 500 Index slipped 0.93 percent, while the Nasdaq Composite fell 5.30 percent. By contrast, the Dow Jones Industrial Average rose 1.70 percent. The S&P/TSX Composite gained 1.09 percent.1,2

11/06/2026

Thinking about refinancing your student loans? Compare your current terms with a new rate to see if refinancing could reduce what you pay over time.

11/05/2026

Markets pulled back following the post-election rally as investors weighed AI earnings concerns, slowing growth expectations and broader market risks. In Cetera’s latest commentary, they examine what's driving the recent sell-off, the rotation underway across asset classes, and why diversification remains critical in periods of volatility.

Stocks fell sharply after yesterday’s post-election rally. Yesterday’s rally can be viewed as a movement of relief: investors who received the certainty of the…

11/04/2026

Election results can have far-reaching implications for markets. In Cetera’s latest commentary, they explore what a projected divided government could mean for investors and why staying focused on long-term fundamentals matters.

Election results can have far-reaching implications for markets. In our latest commentary, we explore what a projected divided government could mean for…

11/04/2026

Many people consider paying off their mortgage in retirement an easy choice. But have you considered some of these often overlooked points?

Explore the benefits and drawbacks to paying off your mortgage prior to retirement with this article.