Private Client Group, AM

07/22/2026

Pre-Retirement Is the Time to Get Specific
The closer retirement gets, the more specific the planning should become.
General goals are helpful early on. But as retirement moves closer, details matter.
What will monthly income look like?
How will healthcare costs be handled?
Which accounts will provide income first?
How much risk still makes sense?
What expenses may change?
July is a good time to start answering those questions if retirement is within sight.
This does not mean every detail will be perfect. It means you are replacing uncertainty with a clearer plan.
Retirement decisions are easier when they are made before pressure sets in.
https://www.privateclientgroupam.com/pre-retirees

07/20/2026

What's driving the recent market volatility? In this week's , CIO Gene Goldman discusses the factors behind recent market weakness and explains why pullbacks can remain opportunities for long-term investors.

“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...

07/20/2026

Retirement Income Needs More Than a Savings Number
Knowing how much you have saved is important. Knowing how that money will create income is just as important.
Retirement changes the question.
Instead of asking how much you can save, you start asking how much you can safely use, when to use it, and which accounts to draw from first.
July is a good time for pre-retirees and retirees to review income sources. That may include Social Security, pensions, retirement accounts, investment income, and cash reserves.
The goal is to create income that supports your lifestyle without losing sight of long-term needs.
A retirement income plan should feel clear, personal, and realistic.
https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/how-to-turn-retirement-savings-into-reliable-income.html

07/17/2026

Market volatility has returned, led by weakness in technology stocks. While the headlines may feel unsettling, the broader market has remained more resilient, reinforcing the value of diversification and a long-term perspective.
Read the Cetera Investment Management Team's latest market commentary:

Market volatility has returned, led by weakness in technology stocks. While the headlines may feel unsettling, the broader market has remained more resilient,…

07/17/2026

Portfolio Drift Can Change Your Risk Without You Noticing
Your portfolio can shift even when you have not made any changes.
As markets move, some investments may grow faster than others. Over time, your mix of investments may look different from what you originally planned.
That can affect the risk.
July is a good time to review whether your portfolio still fits your goals, comfort level, and timeline.
This is especially important for anyone approaching retirement. When income planning becomes a bigger focus, the right level of risk can become even more personal.
A portfolio review is not about reacting to headlines. It is about staying aligned with your plan.
https://www.schwab.com/learn/story/portfolio-management-checklist

07/16/2026

Read the latest issue of Financial Watch here:

Your emergency fund is one of the most important financial tools you have. It is what stands between an unexpected car repair and a credit card balance that…

07/15/2026

Business Revenue Is Not the Same as Personal Wealth
A strong business can create opportunity, but revenue alone does not equal personal financial security.
Business owners often have a large part of their financial life tied to the company. That can be powerful, but it also creates risk if personal planning is pushed aside.
July is a good time to ask a few direct questions.
Are you saving outside the business?
Is your personal retirement plan on track?
Do you have enough liquidity outside of the company's cash flow?
Is there a succession or exit plan in place?
The business should support your personal goals, not replace them.
Building wealth as a business owner means looking at both sides of the picture.
https://www.privateclientgroupam.com/business-owners

07/14/2026

Read the latest issue of Retire Wise here:

Inflation works quietly in the background, and over time, even a modest rise in the cost of everyday goods and services can chip away at the lifestyle you…

07/13/2026

Earnings season begins this week, with major banks kicking off a six-week stretch of quarterly reports. Join CIO Gene Goldman as he explains why earnings matter, what investors should watch for in the latest results, and how markets may respond as companies report against elevated expectations in .

“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...

07/13/2026

Are You Still on Track With Retirement Contributions?
The year is halfway through, which makes July a useful time to check retirement contributions.
Are you contributing consistently?
Are you taking advantage of your workplace plan?
Have your contributions changed because of other expenses?
For people closer to retirement, this review matters even more. The last several working years can be important for building savings and organizing income sources.
For business owners, retirement contributions may also connect to business cash flow and employee plan decisions.
The key is not only how much you plan to save in January. It is whether that plan still works now.
A simple contribution review can help you stay focused before the end of the year starts to feel close.
https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500