Roger McDevitt III, Financial Advisor

10/28/2026

Took some time recently to congratulate my "right hand woman" Samantha on her 5 year work anniversary with Centinel! Without her on my team, it would be infinitely harder to do what I do. Here's hoping there are at least another 5 years in your future with us Sam!

10/22/2026

Building on last weeks post, let's go over a few more reasons to include your children in estate planning during Estate Planning Awareness Month!

#1- To expand diverse perspectives.
Your children may offer a knowledge or experience perspective and provide helpful feedback during planning. For example, they might suggest modern estate planning strategies you're unfamiliar with, or ways to utilize digital investment strategies that could enhance the family's access to information.

#2- To discuss intangible assets.
As a parent, including your children in estate planning is beneficial because it provides a golden opportunity for discussing family values, beliefs, and traditions. Passing on intangible assets like your ethnicity, values, life lessons, and dreams for your family's future is as important as distributing tangible assets.

#3- To prepare your children for your absence.
Lastly, involving your children helps prepare them for the inevitable emotional challenges of your passing. The passing of a loved one is a difficult time, and unforeseen disputes or complications relating to estate matters can heighten emotional distress. Early involvement can mitigate these challenges by ensuring everyone thoroughly understands the estate plan. Plus, it's vital to emotionally prepare your loved ones for the realities of estate administration after your passing.

In conclusion, including your children in estate planning isn't just beneficial; it's crucial. When you address estate planning together, it promotes transparency, mitigates confusion, helps sustain your legacy, and preserves financial independence. We'd love to include your children in future financial discussions if you'd like to do so; just provide us with their contact information. If there are other ways we can help, let us know!

10/21/2026

Cyber security isn’t just for adults. The little people in your life pose a risk too! The temptation to click on pop-ups and messages can be way too much for their tiny fingers. Here are ways to keep the whole family safe.

Help your children navigate the internet safely with these online safety tips for kids and teens.

10/16/2026

As people transition into the later stages of their lives, their thoughts inevitably turn toward the complicated matters to be addressed upon their death. Having an Estate Plan in place can significantly ease the burden of those complex matters for those you leave behind. Estate planning usually involves the distribution and preservation of assets once you pass away and helps ensure that the wealth you've accumulated throughout your lifetime is shared according to your wishes.

An essential consideration in this process is whether or not to include adult children in the estate planning process. Although it might automatically be assumed that adult children would be included, that's not always the case for some families. Here are six reasons to include your adult children in estate planning.

#1- To promote transparency.
One of the main reasons to include your children in estate planning is to promote transparency. Keeping them well-informed mitigates the chance of misunderstandings, particularly when emotions are likely running high following your passing. For example, family tensions could escalate if one sibling is left a more significant portion of the wealth without any prior indication or explanation. Toward this end, involving your children gives them a greater understanding of your decisions and a chance to voice any concerns or confusion while you are still around.

#2- To emphasize the importance of estate planning.
Another reason to include your children is that it emphasizes the importance of estate planning to them. As they participate in the process and familiarize themselves with the practice, they'll be better prepared when it is time for them to make similar arrangements for their children. Estate planning can instill a strong sense of fiscal responsibility, ensuring that your legacy will likely be responsibly managed and maintained for future generations.

#3- To understand your financial situation.
Including your children in estate planning helps them understand your financial status and assets clearly. By sharing information about your property, financial accounts, and responsibilities, your children can help identify any investments, accounts, or assets you may have overlooked. Information sharing helps prevent specific assets from being left out of the estate plan, safeguarding your family's wealth.

Come back next week to learn 3 more additional reasons!

10/14/2026

October encourages us to embrace change, slow down a bit, and enjoy the simple moments that make this season special. As the crisp air arrives and autumn settles in, it's a great time to focus on wellness, reflection, and connection.

Embrace the Season🍁
The colorful landscapes and cooler temperatures create the perfect opportunity to spend more time outdoors. Even a short break in nature can help refresh your perspective and reduce daily stress.

Welcome Balance ☀
As the days grow shorter, it's a good reminder to prioritize rest and recharge. Finding balance between responsibilities and personal time can help support overall well-being.

Spark Your Creativity🌟
October is a wonderful time to explore new ideas and creative interests. Whether it's cooking, photography, crafting, writing, or another passion, trying something new can bring energy and inspiration to your routine.

Here are a few ideas for making the most of October:

🍎Visit a local orchard or pumpkin patch
🍂Try a new seasonal recipe featuring apples, squash, or pumpkin
🌻Declutter a space in your home and prepare for the upcoming holiday season

We hope October brings new opportunities, meaningful connections, and continued success. We'd welcome the chance to learn more about you and your goals and explore how we may be able to help. Wishing you a wonderful October!

10/08/2026

Stocks finished the third quarter mixed. The S&P 500 gained 2.03%, and the Nasdaq Composite rose 2.47%, while the Dow Jones Industrial Average slipped 2.70%. Halloween is next on the calendar, with U.S. consumers expected to spend \$13.5 billion USD this year and 6.26 million Canadian children in their trick-or-treating years.

Quarterly Market Insights | October 2026 U.S. and Canadian Markets Stocks were mixed in the third quarter as economic, geopolitical, and corporate earnings news pushed the broad market higher while weighing on the Dow Industrials. The Standard & Poor’s 500 Index gained 2.03 percent, while the Nasd...

10/06/2026

A few simple habits can go a long way toward helping keep your personal and financial information protected. How does cybersecurity connect to your broader financial picture? What steps are you taking at home and with your business?

09/29/2026

The Free Application for Federal Student Aid (FAFSA) for 2027-28 opens to all in just a few days on October 1, 2026.

Your student's FAFSA can unlock grants, scholarships, work-study, and federal loans. There's no cost to complete it, and it's an important step for your student to take when qualifying for aid.

Don’t forget to check your state and school deadlines. You can apply today at studentaid.gov.

09/24/2026

How much are you withholding per paycheck?

Is the amount too little? (Or too much?)

Find out the answer before the year ends. You may not want to discover next year that your withholding amount for this year was too small.

The IRS offers you some help at its website, in the form of a free tax withholding estimator. (Search online for “IRS tax withholding estimator” and you’ll quickly find it.) This online tool may be particularly useful for retirees, freelancers, and other taxpayers who are not W-2 workers.

We must note that the information in this material is not intended as tax or legal advice, and may not be used for the purpose of avoiding any federal tax penalties. So, please consult legal or tax professionals for specific information regarding your individual situation.

09/22/2026

Today is the Autumnal Equinox approaching, a day with 12 hours of sunlight and 12 hours of darkness. This balance of day and night serves as a reminder of the change of seasons, and heralds the coming of fall colors and celebrations. 🍁

Enjoy the change of seasons, and may the days ahead be warm and wonderful!