Charli Cavric - Wealth Management Associate, RJFS at Arcadia Capital

05/20/2026

Small wording differences in beneficiary designations can create very different outcomes for future generations.

"Per Stirpes" and "Per Capita" are two common ways assets may be distributed, but many people don't realize how differently they work until it's too late.

It's a good reminder to periodically review:
• Retirement accounts
• Life insurance policies
• Transfer on death accounts
• Estate documents

Especially after major life events like marriage, divorce, births, or deaths in the family.

A quick review today can help ensure your wishes are carried out the way you intended.

05/06/2026

What is an HSA?

A Health Savings Account (HSA) is a tax-advantaged savings account designed for individuals enrolled in a qualified High Deductible Health Plan (HDHP). It can be used to pay for eligible medical expenses both now and in the future.

One of the biggest advantages of an HSA is its triple tax benefit:

1. Contributions may be tax-deductible
2. Investments grow tax-deferred
3. Withdrawals for qualified medical expenses are tax-free

Unlike an FSA, HSA funds roll over year after year and remain yours even if you change employers or retire. Many people use HSAs not only for current healthcare expenses, but also as a long-term savings and investment tool.

Who may be eligible?
Generally, you must:
• Be enrolled in a qualified High Deductible Health Plan (HDHP)
• Have no other disqualifying health coverage
• Not be enrolled in Medicare
• Not be claimed as a dependent on someone else's tax return

If you have questions about HSAs or how they may fit into your financial plan, feel free to reach out!

04/21/2026

While the market will still react to geopolitical swings, the recovery of all losses since the start of the Iran war suggests investors are looking past the conflict, as a ceasefire seems the best option for all parties.

Read more in the Morning Brew.

amazonaws.com

04/17/2026

A common misconception:

Maxing out your 401(k) means you've maxed out all your retirement savings options.

In reality, IRAs (Traditional or Roth) have separate contribution limits. That means you may have another opportunity to save, depending on your situation.

It's a small distinction, but one that can make a meaningful difference over time.

04/15/2026

Workers who exceed a certain wage threshold in the previous year can no longer make catch-up contributions to a pre-tax plan such as a 401(k) – they must make them to a Roth account using after-tax dollars

raymondjames.com

04/13/2026

Gain key insights into the market-moving headlines of the day in CIO Larry Adam's daily publication, Up & Adam.

amazonaws.com