Centennial Financial Group LLC

11/14/2026

The day after you exit your business can be harder than you expect.

Not financially. Emotionally.

Many owners don’t regret selling. They regret not planning for who they would be after the business.

Your business was:
Your mission.
Your structure.
Your challenge.
Your community.

Your purpose.

Exit planning isn’t just financial planning.
It’s life planning.

The best exits aren’t just funded.
They’re fulfilling.

Most business owners spend years thinking about one moment: The closing. The wire transfer. The final signature. But almost nobody talks about the day after. And that’s where some of the biggest surprises — and struggles — show up. Not...

11/13/2026

According to a 2025 report from Capitalize, an estimated 31.9 million retirement accounts have been left behind by job changes over the years.

Combined, they hold about $2.1 trillion. The average balance is nearly $67,000. 🗂️

One of them could have your name on it.

The federal government built a tool for this. The Retirement Savings Lost and Found Database, created under a 2022 law and run by the U.S. Department of Labor, searches for old workplace plans tied to your Social Security number.

Here's how it works:

1️⃣ Go to lostandfound.dol.gov

2️⃣ Verify your identity through Login.gov

3️⃣ Search for old workplace plans tied to you

4️⃣ Check the results and contact the plan

Old accounts get buried under new jobs, new addresses, and providers that merge or rename.

If you've changed jobs more than once, run the search at lostandfound.dol.gov and see what turns up. 💬

11/11/2026

🎖️ Behind every veteran is a family that served, too.

The spouse who kept things running through deployments. The kids who packed up and started over at new schools. The parents who checked the news first every morning.

Today, we thank the men and women who wore the uniform and the people who stood behind them.

The discipline, steadiness, and commitment they carried in service still shape the communities we all live in.

To every veteran and military family reading this: thank you. 💙

11/10/2026

Did you know that your 2026 Medicare Part B premium isn't based on this year's income? It's based on what you earned two years ago. 🏥

That means your 2026 Medicare premium could be based on income from 2024 even if you’ve retired or your income has changed dramatically since then. ⏳

But there’s a way to potentially change that.

Form SSA-44 lets you ask Social Security to reconsider your Income-Related Monthly Adjustment Amount (IRMAA) if your income dropped because of a qualifying life event, including:

🔍 Retirement or reduced work
🔍 Marriage, divorce, or loss of a spouse
🔍 Loss of income-producing property
🔍 Loss of pension income
🔍 Certain employer settlements

Before your next premium notice arrives, check what income Social Security is using.

That’s exactly what we’re here to help with, so there are fewer surprises along the way.

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

11/08/2026

There's a good chance you know exactly how your family feels about pineapple on pizza and have zero idea where they keep their important documents. 🍕📂

Not because anyone's hiding anything. It just never comes up. Nobody wants to be the one who brings up money first, so most families just... don't. 🤐

Today is Talk Money Day, which exists for exactly this reason: these conversations get easier the more often people actually have them. In fact, that first conversation often opens up the door for a stockpile of pent-up questions and concerns.

If it's been a while since you and the people you love talked about the bigger picture, this is as good a reason as any to start. We're always happy to be part of that conversation, too. 🙌

11/06/2026

Some of the smartest people I meet quietly feel behind on money.

Surgeons. Engineers. Business owners who run entire companies. They can lead a team of 50 and still freeze up over their own 401(k).

Here's the thing: career skill and money skill are two different things, and school teaches neither one well.

Feeling behind doesn't mean you're bad with money. It usually means you outgrew the little you were taught.

More in the article. Link in the comments.

The short answer The Prosperity Pioneers podcast is a new show from Centennial Financial Group for first-generation wealth builders people who earned their success without an inherited financial roadmap. Each episode translates...

11/05/2026

Medicare is the tip of the iceberg. 🧊

More than half of people nearing retirement expect Medicare to cover all their healthcare costs.

The reality? A 65-year-old retiring in 2026 could spend $185,500 on healthcare in retirement.

For a couple: $371,000.

And that’s before long-term care.

The costs you don’t see can sink a retirement strategy.

💬 That's the kind of number worth bringing into a conversation with your financial professional long before retirement starts.

11/03/2026

One investment gained 270 percent in the first five months of 2026. Two months later, it gave back 67 percent. 😳

Why do smart people chase numbers like that? Psychologist Daniel Kahneman said it best: "Stories trump statistics." 🧠

A hot streak always comes with a story. The story is what sells. The math is what stings.

Riches to rags is an old pattern, and so is the reverse. When a return looks too good to be true, give the story the same scrutiny you'd give the number.

If a market headline has your attention, run it past us before it runs your portfolio. 💬

10/31/2026

Not every monster wears a costume this month. Some show up as a text pretending to be your bank. 👻

Three cybersecurity myths worth burying this October:

🎃 "Some of my accounts are too small to bother with." False. Most attacks aren’t personal. Automated bots test thousands of accounts at a time, looking for a weak spot.

🎃 "Only older adults fall for scams." Absolutely false. FTC data has consistently shown adults in their 20s are reporting fraud, too.

🎃 "I'd know a phishing email if I saw one." Maybe once. AI-generated phishing has erased the classic tells: broken grammar, misspellings, and awkward phrasing.

This time of year, it's worth taking a moment to look past the obvious scares and pay attention to the sneakier ones, too.