The Tenet Financial Group of Maryland

01/06/2026

Job creation at small firms has come to a halt. Firms with fewer than 50 employees lost 120,000 jobs during the first two weeks of November. If the Fed cuts short-term interest rates, will that solve small businesses' job problems overnight? No, but it might be a step in the right direction.

12/16/2025

Your Year‑End Health & Wealth Checkup

As December arrives, it’s the perfect time to reflect on your wellbeing. Just like reviewing your finances before the new year, a personal health checkup ensures you’re entering January with strength and clarity. Preventive care protects your body and your wallet—catching small issues early avoids costly bills later.

Daily habits matter too. Prioritizing sleep sharpens decision‑making, staying active reduces stress without expensive memberships, and cooking balanced meals at home fuels your health while saving money. Even simple practices like gratitude journaling or mindful conversations with loved ones cost nothing but enrich both your wellbeing and your financial mindset.
This season, invest in your health as intentionally as you invest in your wealth. Both are essential for living well.

12/09/2025

The Best Things in Life Are Free

We often think financial wellbeing requires spending more, but some of the most powerful tools for living well cost nothing at all. A walk outdoors clears your mind and supports long‑term health. Public libraries open doors to free learning and growth. Gratitude practices shift your mindset and reduce impulse spending. Even simple acts—like cooking at home with family or sharing skills with friends—strengthen both your finances and your relationships.
True wealth isn’t just measured in dollars—it’s found in health, knowledge, gratitude, and connection. When we embrace what’s free, we enrich our lives and reinforce smart financial habits.

What’s one “free” habit that’s made a difference in your life?

12/05/2025

Gambling used to be something you had to travel for. Today, it’s everywhere—on our phones, in our feeds, and marketed as harmless fun. But the financial consequences are real.
Research shows that states with legalized online betting have seen declines in credit scores, rising bankruptcies, and more accounts sent to collections. Younger men and lower-income households are most at risk, and surveys reveal many bettors are missing bill payments or lack savings for emergencies.

Even more concerning, studies highlight how gambling ads and easy app access are shaping risky behaviors among youth, setting the stage for long-term financial and emotional harm.
As gambling becomes more accessible, it’s critical to stay vigilant. Track spending, set firm limits, and seek support early before small habits become major financial setbacks.
I’m committed to helping clients stay financially healthy and make sound decisions. If you’d like to talk further, let’s connect.

11/18/2025

Your health is one of your greatest financial assets.
This November—during National Diabetes Month, COPD Awareness Month, and Antibiotic Awareness Week—we’re reminded that proactive health choices aren’t just good for the body, they’re smart for the wallet too.
Chronic conditions like diabetes and COPD can quietly erode financial wellbeing through rising healthcare costs, lost productivity, and long-term care needs. But many of these burdens are preventable. Early screenings, informed care decisions, and lifestyle changes can help protect both your health and your financial future.

As we near year-end, it’s a great time to:
✅ Review your health coverage
✅ Schedule preventive appointments
✅ Align your wellness goals with your financial plan

Because living well today helps safeguard the life you’ve worked hard to build.

11/11/2025

11/07/2025

Speculators anticipate the Fed will lower short-term rates three times in the next 12 months from the current range of between 3.75 percent and 4 percent. But Fed Chair Powell, after the October Fed meeting, said not so fast. “A further reduction in the policy rate at the December meeting is not a foregone conclusion,” he said.

11/03/2025

Social Security beneficiaries will see a 2.8% increase in their monthly payments starting January 2026. For most retirees, that’s about $56 more per month—helping benefits keep pace with inflation.
This is a great time to revisit your retirement income strategy. Even modest changes can impact your tax picture, Medicare premiums, and long-term planning. If you’re wondering how this adjustment fits into your overall financial plan, I’m here to help you think it through.
Also, a quick reminder: the Social Security Administration will never call to demand payment or personal information. If you get a suspicious call, don’t answer—just hang up.

10/29/2025

Your lifestyle and your finances aren’t separate—they’re deeply connected. Whether you're planning for retirement, managing healthcare costs, or simply trying to live with more intention, your financial strategy should support the life you want to live.
At my firm, we believe in aligning your financial plan with your values, your health, and your goals. Because when your money supports your wellbeing—and your wellbeing supports your future—you’re not just planning… you’re thriving.
Let’s talk about how to build a plan that honors both your life and your legacy.

10/22/2025

The purpose of a retirement strategy is to get where you want, when you want to be there. When I see articles saying, “active money managers struggle to beat index funds due to tariffs, economic uncertainty,” I believe we’re missing the point. Whether an investment underperforms or outperforms is fun to look at, but it’s about whether the investment helped your where and when.

10/14/2025

“If you don’t have your health, you can’t do much.” It’s a truth that resonates in both life and financial planning. Good health isn’t just a personal asset—it’s a financial one. From preventive care and insurance literacy to long-term care and caregiving costs, your health decisions shape your financial future.
October is Health Literacy Month—a perfect time to reflect on how well you understand your health and how that understanding supports your wealth. Whether it’s reviewing your coverage, planning for future care, or simply making space for wellness in your budget, your health deserves a central place in your financial strategy.
Because when your health is strong, you’re better positioned to enjoy the life you’ve worked hard to build.