Wisdom Financial Management, LLC

10/31/2026

10/29/2026

Learn about Medicare’s popular program, offering retirees free gym membership and health education.

Medicare’s popular program, offering free gym membership and health education.

10/28/2026

🎃 Filling the candy bowl is costing more this year.

Candy and chewing gum prices have climbed 8.1% over the past year, according to the Bureau of Labor Statistics. Chocolate prices are up, too, though estimates vary by source. 🍫

But higher prices aren’t necessarily keeping Americans out of the candy aisle.

The National Retail Federation expects Halloween spending to reach $13.5 billion this year, with 96% of Halloween shoppers expecting to buy sweets.

For many households, the holiday is one of those small traditions worth making room for, even when everyday expenses are taking a bigger bite out of their budgets.

Whether you’re picking up candy for trick-or-treaters or sneaking a few pieces for yourself, what’s the one Halloween candy you can’t resist? 🍬👻

Average prices for chewing gum and candy have soared 8.1% over the last year, according to the Bureau of Labor Statistics.

10/27/2026

Long-term care costs can be significant—and many people underestimate them. Use this tool to get a sense of what care might cost and how to prepare.

10/21/2026

🦖 A dinosaur hiding in plain sight for nearly 100 years? Apparently, that's possible!
Researchers have identified a new species from a fossil that had been sitting in London's Natural History Museum since 1924.
Meet Invictibellatrix amberina, a distant relative of T. rex that lived about 120 million years ago.
This feathered predator measured roughly 10 to 13 feet long and used its enormous curved claws to hunt prey. Scientists identified it after examining the fossil with CT scans and 3D modeling.
And here's the wild part: The lead researcher says that if humans had existed alongside this dinosaur, we might have been its ideal prey. A T. rex, by comparison, probably wouldn't have bothered with us! 😳
Not bad for a fossil that spent a century in a drawer.

A fossil discovered 100 years ago in the U.K. has been identified as a previously unknown cousin of the T. rex, and it "definitely would have chased us."

10/15/2026

What would happen to your finances if you couldn't work? This calculator shows how long your savings might last if a disability affected your income.

See how long your current savings might last if a disability interrupted your income.

10/14/2026

Your child may already have a Trump Account. That doesn’t mean it’s set up.

The Treasury Department says automatic enrollment now covers every eligible child with a valid Social Security number. But a parent or legal guardian still has to formally activate the account, either at trumpaccounts.gov or through the program’s app.

📌 Babies who are U.S. citizens with a Social Security number and were born between January 1, 2025, and December 31, 2028, may qualify for a one-time $1,000 government contribution once the account is claimed.

A few details families are weighing: Yearly contributions are capped at $5,000, though government and charitable contributions don’t count toward that limit. The money generally can’t be touched until a child turns 18, and earnings are taxed when withdrawn. That’s a key difference from 529 accounts, which grow tax-free but are limited to education costs.

Which account fits best depends on what a family is saving for, and that’s a conversation worth having with a financial professional.

Your child may be enrolled in a “Trump Account” whether you realize it or not. Rolled out earlier this year, the Trump Accounts program allows parents to claim special investment accounts for children who are 18 years old or younger.

10/13/2026

Renter? Think you’re covered by the owner’s insurance? Do a double check.

Don’t overlook the need for renter’s insurance if you rent your home.

10/09/2026

What's the connection between bonds and interest rates?

In our latest In The Final Analysis miniseries exploring the key players related to interest rates, Joe discusses what bonds are, how they work, and how they can fit into your portfolio. Watch, listen, or read the episode now: https://www.wisdomchoice.net/in-the-final-analysis-minisode-8

Then, stay tuned for our next miniseries minisode on credit cards! Subscribe to our email newsletter, YouTube channel, and to "In The Final Analysis" on your preferred podcasting platform so you're the first to know when they release.

10/08/2026

Can group and private disability policies work together?

Loss of income from disability has the potential to cause financial hardship. Disability insurance can help.