Mitchell Nelson, Senior Wealth Manager

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

What steps might help you sustain and grow your retirement savings? This piece explores them.

Steps to help you sustain and grow your retirement savings.

07/10/2026

Medicare takes a little time to understand. As you approach age 65, familiarize yourself with its coverage options, costs, and limitations.

How Medicare can address health care needs in your retirement strategy.

07/10/2026

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.

07/10/2026

Small-cap stocks have had a standout start to the year.

The Russell 2000 Index has climbed more than 21%, putting it on track for its strongest first-half performance since 1991.

One major driver has been the expansion of artificial intelligence infrastructure. While large technology companies often get most of the attention, smaller companies tied to semiconductors, equipment, components, and connectivity have also benefited from increased AI-related spending.

The rally also reflects what some market watchers describe as a valuation catch-up after years of small-cap underperformance compared with large-cap stocks.

Still, interest rates remain an important factor. Smaller companies can be more sensitive to higher borrowing costs because they may carry more floating-rate debt or face greater refinancing needs.

For investors, the broader takeaway is that market leadership can shift over time — and major themes like AI may affect more than the biggest names in the market.


Source:

The advance marks a sharp turnaround after years of underperformance versus large-cap peers.

07/10/2026

Some Medicare beneficiaries may soon have access to GLP-1 medications for weight loss through a new temporary pilot program.

The Medicare GLP-1 Bridge program is scheduled to run from July 1, 2026, through Dec. 31, 2027. Eligible patients would pay a $50 monthly copay for certain covered GLP-1 medications.

This marks the first time Medicare will help pay for GLP-1 drugs prescribed solely for obesity, rather than only for certain other medical conditions.

Eligibility depends on several factors, including Medicare Part D coverage, enrollment in an eligible plan, prior authorization, clinical criteria, and whether the patient already receives GLP-1 coverage for another condition.

KFF estimates that 3.8 million Medicare beneficiaries may meet the eligibility requirements.

One important detail: because the program is outside Medicare Part D coverage, the $50 copay does not count toward a patient’s deductible or yearly out-of-pocket cap.

For Medicare beneficiaries, this is a reminder that coverage changes can affect health care costs, prescription access, and household budgets.


Source:

For the first time, Medicare will cover GLP-1 drugs prescribed solely for weight loss for eligible beneficiaries at a $50 monthly copay.

07/10/2026

Living longer doesn’t automatically mean living better.

Healthy Aging Month is a reminder that how we age is shaped by more than just time. Staying active, mentally sharp, and socially connected all play a role—and so does the ability to support those lifestyles over time.

Small, consistent habits—both physical and financial—can influence what those years look like.



Sources
World Health Organization, Ageing and Health, October 2025
American Medical Association, What Doctors Wish Patients Knew About Healthy Aging, September 2025
Stanford Medicine, Five Healthy Habits for Successfully Aging, January 2026
EBRI/Greenwald, 2025 Retirement Confidence Survey, April 2025

07/10/2026

Online scams are becoming more sophisticated, and new technology is helping criminal networks operate at a larger scale.

An AP investigation found that scam operations have used artificial intelligence, cloud services, internet infrastructure, satellite connections, and social platforms to target people around the world.

Some scams now involve automated messages, real-time translation, fake identities, and carefully scripted conversations designed to build trust quickly.

The financial damage can be devastating. The Federal Trade Commission estimated that scams cost Americans nearly $200 billion in losses in 2024.

The human impact is also serious. Some people working inside scam compounds have been trafficked or forced to participate under threat of violence.

For consumers, the warning signs still matter: pressure to act quickly, requests to keep conversations secret, sudden talk of money or investments, and relationships that move unusually fast.

As scams become more advanced, skepticism can be a form of protection. Slowing down, verifying details, and talking with someone trusted before sending money can make a meaningful difference.


Source:

Technology from American companies is being used to power a revolution in the scam industry, playing a key role in the industrialization and globalization of fraud in ways that have not been clear until now, an AP/“FRONTLINE” investigation has found.

07/09/2026

Despite a powerful Q2, individuals are hesitant.

07/09/2026

Markets posted solid second-quarter gains as investors responded to upbeat economic reports, continued diplomatic efforts in the Middle East, and strong first-quarter corporate numbers. The S&P 500 rose 14.87%, the Nasdaq gained 21.41%, and the Dow picked up 12.90%, while Canada’s S&P/TSX Composite added 6.37%. Looking ahead, markets may continue to react to Middle East updates, oil prices, inflation trends, and the pace of global commerce through the Strait of Hormuz. From U.S. home price growth to Canadian housing forecasts, this quarter’s by-the-numbers highlights the data behind one of North America’s most closely watched markets.

Quarterly Market Insights | July 2026 U.S. and Canadian Markets Stocks saw solid gains in the second quarter, riding a wave of enthusiasm over upbeat economic reports, ongoing diplomatic efforts in the Middle East, and strong first-quarter corporate numbers. The Standard & Poor’s 500 Index rose 14...