AGATE Financial Partners

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AGATE Financial Partners

At AGATE Financial Partners, our financial experts provide personalized services to help you achieve your financial goals and protect your assets.

We use a holistic approach, making every aspect of your finances work in harmony. At AGATE Financial Partners, we believe in putting our clients' needs first. Our team of financial experts provides personalized services to help you achieve your financial goals and protect your assets. We specialize in retirement planning, investment management, tax planning, and wealth management. Designed to help you secure your financial future, our retirement services are comprehensive and tailored to your specific needs. Our experienced advisors also offer estate planning, long-term care, social security planning, Medicare planning, and business succession services. We take into account your goals, risk tolerance, and investment preferences to build a holistic approach to ensure every aspect of your finances works in harmony. Securities offered through Cetera Wealth Services, LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. CA Insurance License

02/11/2026

Medicare may just be the tip of the iceberg when it comes to healthcare coverage. 🧊

More than half of people nearing retirement expect Medicare to cover all of their costs.

But the reality tells a different story. A 65-year-old retiring in 2026 could spend $185,500 on healthcare in retirement.

For a couple, that number jumps to $371,000.

And that’s before factoring in other costs like long-term care.

The costs you don't see can sink a retirement strategy.

If you haven't thought about your retirement strategy, or planned for Medicare to cover everything, it's worth having a conversation. I'd love to help you start planning a comprehensive retirement strategy that plans for the unpredictable.

02/11/2026

It’s never too early to start your estate plan. In fact, most people wait too long because they think it’s only for the wealthy or those nearing retirement.

But estate planning is for everyone.

Join me for my free workshop, Why Estate Planning? Why Now? and you’ll learn:
✅ What happens if you pass without an estate plan
✅ Why an outdated estate plan can cause more harm than none
✅ What to know before naming beneficiaries
✅ How new tax laws could affect your heirs

This one-hour event will be held at Newport Public Library on November 4th from 3–4 pm.

An RSVP is required to attend. Please call me at (408) 318-1943 or email me at [email protected] to secure your spot today.

Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.

31/10/2026

Not every monster wears a costume this month. Some show up as a text pretending to be your bank. 👻

Here are three cybersecurity myths worth burying this October:

🎃 "Some of my accounts are too small to bother with." False. Most attacks aren’t personal. Automated bots test thousands of accounts at a time, looking for a weak spot.
🎃 "Only older adults fall for scams." Absolutely false. FTC data has consistently shown adults in their 20s are reporting fraud, too.
🎃 "I'd know a phishing email if I saw one." Maybe once. AI-generated phishing has erased the classic tells: broken grammar, misspellings, and awkward phrasing.

This time of year, it's worth taking a moment to look past the obvious scares and pay attention to the sneakier ones, too.

29/10/2026

On October 14, 2026, the Social Security Administration (SSA) announced a 3.6% cost-of-living adjustment (COLA) for 2027, marking the largest increase in Social Security benefits since 2023.

With this adjustment affecting approximately 76 million Americans receiving Social Security or Supplemental Security Income (SSI) benefits, we wanted to share a breakdown of:
⏩ What's changing
⏩ How it may impact your finances
⏩ Important considerations for 2027

If you'd like to discuss how these changes may affect your retirement income, budgeting, or overall financial plan, I’m happy to help. Reach out and schedule a time to review your retirement options.

28/10/2026

Join me for a free, one-hour estate planning workshop designed to guide you through the basics of estate planning and help you take the next steps to build or update your plan.

Why Estate Planning? Why Now?
📅 November 4th, 3–4 pm
📍 Newport Public Library
💌 RSVP at [email protected] or call (408) 318-1943

This event is free to attend, but an RSVP is required as space is limited. Don’t wait. Secure your spot today and take the first step toward protecting your financial future.

Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.

26/10/2026

How many years before you are ready to be "retired?" TIAA's 2026 longevity literacy research found that workers who expect a shorter retirement save less consistently than those who expect a longer one.

That makes sense, but it also means the people who assume their retirement will be short are the same ones who may be building portfolios with shorter time horizons.

Once someone has already reached 65, the numbers shift. According to Social Security Administration data:

⏩ A 65-year-old man has roughly a 24% chance of living past 90
⏩ A 65-year-old woman's chances are higher, closer to 35%
⏩ For a 65-year-old married couple, there is about a 50% chance that at least one spouse lives past 90

The practical implication is not "assume you will live to 100."

It’s that a retirement income strategy built around the “average lifespan” often assumes a person will die on schedule. Most people do not.

If retirement is on your horizon, the question to ask is, "What happens to my income strategy if I live to 95?"

23/10/2026

Nationwide's 2026 study revealed three key places where people have retirement regrets:

⏩ Not starting early enough - More than 25 percent of recent retirees wish they had started sooner. Fifteen years of compounding early in a career can make a HUGE difference.
⏩ Not raising the contribution rate as your income grows - Thirteen percent of recent retirees wish they had contributed more to their savings each year.
⏩ Claiming Social Security at 62 - More than a third of boomers plan to claim benefits the moment they become eligible, even though doing so cuts the monthly benefit by 25 to 30 percent for life.

According to the SSA, waiting past full retirement age adds 8 percent per year, up to age 70.

Starting your retirement planning early, getting an outside perspective, and treating your retirement as a long plan and transitions rather than a single date on the calendar can help you feel more prepared and ready for this next chapter of your life.

22/10/2026

Do you have an estate plan, or do you have one you haven’t reviewed in years? 🤔

Many of us think that we’re too young for a plan or that once we’ve made one, we don’t need to give it a second thought. But that couldn’t be further from the truth.

Your estate plan is how you protect your loved ones and your assets through every stage of your life.

Join me for my free workshop, “Why Estate Planning? Why Now?”, and learn how estate planning works, how to navigate changes, and why now is the best time to get your plan started (or updated).

This event will take place at the Newport Public Library in Newport, OR, on November 4th at 3–4 pm. 📅

An RSVP is required for this event. Secure your spot today by emailing me at [email protected] or calling (408) 318-1943.

Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.

20/10/2026

Trust & Will's 2026 Estate Planning Report found that 56% of adults don’t have core documents in place, like a will, a healthcare directive, powers of attorney, and a letter of instruction.

Estate work can be difficult and emotional for families, but without something in writing, loved ones will be left improvising during one of the most difficult moments of their lives.

If you've been intending to build your estate plan, but have kept putting it off, I'm here to help make the process easier and help you understand your options.
Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.

Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.

17/10/2026

Building your savings does not always require major lifestyle changes. Often, a few consistent habits can make a meaningful difference over time.

Consider these practical ways to strengthen your financial future:
⏩ Automate your savings by directing a portion of each paycheck into a dedicated savings or investment account.
⏩ Set aside funds in your budget for predictable expenses, including taxes, annual bills, or business-related costs, so you're prepared when they come due.
⏩ Identify opportunities to reduce unnecessary purchases that may be slowing progress toward your goals.
⏩ Review your financial picture regularly.
⏩ Create specific savings goals for both the short and long term.

Everyone's financial journey is different, but developing strong saving habits is a great place to start. If you'd like guidance on creating a savings strategy that aligns with your goals, reach out to me.

Address

937 SW 11th Street

97365

Opening Hours

Monday	08:00 - 17:00
Tuesday	08:00 - 17:00
Wednesday	08:00 - 17:00
Thursday	08:00 - 17:00
Friday	08:00 - 17:00

Website

http://www.agatefp.com/

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