Denise Herring, StoneX Wealth Management

05/21/2026

Memorial Day is a time to pay tribute to those who made the ultimate sacrifice in service to the United States. They will always be remembered. Wishing you and your loved ones a peaceful Memorial Day holiday.

05/08/2026

05/07/2026

Here's a tip most students miss: when you file the FAFSA for state aid, you're automatically filing for federal aid too — so there's no reason to wait for the federal deadline.

State deadlines are often much earlier than the federal cutoff, sometimes arriving as early as February or March. Many states also set hard deadlines or use priority dates for first consideration.

Either way, students who file during the first few months tend to receive significantly more grant funding, on average, than those who file later.

The bottom line: aim for the earliest deadline on your list, whether that's your state's or your school's. That single submission covers you for all aid opportunities.

👉 Look up your state's specific FAFSA deadline at studentaid.gov and file as early as you can. Future-you will be glad you did.

04/20/2026

One of the most iconic roadways in the U.S. is celebrating a major milestone.

Route 66 turns 100 years old this year, continuing to draw travelers from around the world with its unique mix of history, culture, and roadside charm.

Stretching roughly 2,400 miles from Chicago to Santa Monica, the route has long been associated with exploration, connection, and cross-country travel.

Over the decades, it has played many roles—from a pathway for migration during the 1930s to a symbol of postwar travel and adventure.

Today, much of the road remains drivable, with historic landmarks, local businesses, and preserved sites keeping its legacy alive for new generations.

For many, Route 66 remains more than just a highway—it’s an experience shaped by the stories and communities along the way. 🚗


Source:

One of the world's most famous highways marks its centennial this year

04/06/2026

What a $5 Frappuccino can teach your teen about building wealth 👇

April is National Financial Literacy Month, and here's a number worth sharing at the dinner table.

If your teen opens a Roth IRA at 18 with $1,000 from a part-time job and adds $1,000 a year, that single account could be worth nearly $500,000 by age 65. Tax-free.

Think they can't save $1,000 a year? Skipping the daily Frappuccino more than covers it. ☕

But the best financial education isn't about the math. It's about real decisions with real consequences.

A few things that actually work:

✅ Hand them cash instead of a credit card for shopping. Let them keep what they don't spend.

✅ Give them a clothing budget for the year. If they blow it by October, that's the lesson.

✅ Have the college money talk before they fall in love with a school. As one counselor put it, "Have the conversation before they buy the hoodie."

✅ With the Roth IRA, you can show them that there are certain rules with certain accounts. For example, to qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a 5-year holding requirement and occur after age 59½. Also, tax-free and penalty-free withdrawals can also be taken under certain other circumstances, such as the owner's death. The original Roth IRA owner is not required to take minimum annual withdrawals.

What's one money lesson you wish someone had taught you earlier? 👇

Please consult with a tax and finance professional before making any decisions.



Sources:
-https://www.calculator.net/roth-ira-calculator.html?cstartingprinciple=1%2C000&cannualaddition=1%2C000&cmax=n&cinterestrate=8&ccurrentage=18&cretirementage=65&ctaxtrate=25&printit=0&x=Calculate -ira-result
-https://www.ngpf.org/blog/advocacy/how-many-states-require-students-to-take-a-personal-finance-course-before-graduating-from-high-school-is-it-6-or-is-it-21/

04/02/2026

Warren Buffett stepped down as CEO on January 1, 2026, but we can only hope he shares more words of wisdom.

03/06/2026

It’s 10 days until Tax Day. A busy person like you might find themselves filing your taxes in the final stretch for many reasons. Don’t sweat it! Get your paperwork together, talk to your trusted tax professionals, and remember that filing for an extension is possible before April 15th!

02/23/2026

Homeownership can bring added considerations during tax season.

As the IRS begins accepting 2026 tax returns, homeowners may be reviewing whether to itemize deductions or take the standard deduction. Depending on individual circumstances, certain expenses tied to owning a home may still be eligible for tax treatment under current rules, including mortgage interest and property-related costs.

Because tax situations vary, it may be helpful to review what applies to you before filing.

If you have questions about how these items show up in your overall financial picture, feel free to reach out. For specific tax guidance, it’s best to connect directly with your qualified tax professional. I’m happy to coordinate with them to ensure your financial strategy is aligned.



Source:

It will mostly be business as usual for homeowners this tax season. However, new changes introduced under the "big, beautiful bill" may affect how they file.

02/20/2026

April 15 is only 25 days away! Just a friendly reminder that Tax Day is just around the corner. While many may have their ducks in a row, tax-wise, today is a good time to connect with your tax professionals to confirm you've met all the deadlines or make any necessary arrangements!