Scott Brewster, Associate Advisor with AllGen Financial

10/26/2026

How many years before you are ready to be "retired"?

It's one of the most important numbers yet.

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 percent chance of living past 90

📌 A 65-year-old woman's chances are higher, closer to 35 percent

📌 For a 65-year-old married couple, there is about a 50 percent 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?"

10/23/2026

Fidelity's 2025 wealth transfer study found that roughly 67 percent of parents age 55 and older have never told their adult children what they will inherit, or whether they will inherit anything at all.

About 33 percent would prefer the kids are kept in the dark about the amount.

Their reasons should feel familiar:
✔️ Worry that a specific number will dampen a child's drive
✔️ Discomfort talking about money at all

The same study found:
Most adult children say they are ready to handle whatever they inherit and would rather shape things while their parents are still around to explain the "why" behind decisions.

Families who have inheritance strategies share some similar habits:
💬 Kids know who the financial professionals are and how to reach them
💬 Everyone knows where the estate documents are
💬 They try to manage any surprises well ahead of time

So, do you tell your children or not?

There's no single right answer here.

Sharing exact numbers isn't necessary, but most families find that a broad discussion can help with priorities and expectations.

10/21/2026

Knowing where you stand takes a lot of the guesswork out of money decisions.
Find these three numbers and keep them somewhere you’ll see them.

Once you know them, we can help you turn them into a real plan. Link in bio.

AllGen Financial Advisors, Inc. is a Registered Investment Advisor. Educational only, not individualized advice.

10/19/2026

A will in a drawer and a financial plan in a different file cabinet don't do your family much good if the two never talk to each other.
We work directly with your attorney, so your legal documents and your financial plan are always pointed the same direction.

Want to see how the pieces fit for your family?
Book a call, link in bio.

10/16/2026

This article reflects market conditions and commentary presented during AllGen Financial's Quarterly Market Update on October 15, 2026, covering inflation, oil, earnings, the dollar, gold and interest rates.

AllGen's Q4 2026 market outlook: inflation and oil, strong earnings and AI, lower valuations, the dollar and gold, and what rising rates mean for bonds.

10/15/2026

Medicare Open Enrollment starts today and runs through Dec 7!
It's your once-a-year chance to review your coverage and make changes for 2027.

Before you decide, check your plan's Annual Notice of Change, make sure your prescriptions are still covered, and compare your options before the window closes.

Questions about how Medicare fits into your retirement plan? Link in bio.

AllGen Financial Advisors, Inc. is a Registered Investment Advisor. Educational only, not individualized advice.

10/14/2026

Will your money go further in 2027?

Social Security benefits are going up 3.6%, starting with January’s payments. That raise is built to keep up with prices, not get you ahead. And if Medicare Part B comes out of your check, the change you see may be smaller.

Your 401(k), IRA and savings don’t get an automatic raise at all. Keeping up is up to your plan.

Questions about your 2027 raise? Give us a call at (407) 210-3888. We’re here to help.

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.

10/12/2026

A surprise $90 deposit is landing for some Medicare enrollees this week. For roughly 40 million others, nothing is coming.

The payments are going to people in traditional Medicare Part B, which covers doctor visits, outpatient care, and preventive screenings. Medicare Advantage enrollees, people who pay income-related premiums, and those who already receive premium assistance are not eligible. Most deposits arrive through the Social Security Administration, while some beneficiaries will get a paper check later in October labeled “Medicare Improvement Fund Payment.”

📌 The standard Part B premium is $202.90 in 2026 and is expected to reach $209.50 in 2027.

That context matters. Some analysts note the $90 helps but won’t fully offset rising premiums, and healthcare costs remain a top financial concern across age groups.

For now, the payment is a welcome bit of relief. The bigger question is how coverage costs keep pace over time.

Millions of seniors are getting $90 direct deposits from Social Security this week, prompting questions about the source of the money.

10/12/2026

If there's a gap between where you are and where you want to be financially, here's how we help clients start closing it. ✅

Swipe through four steps we walk through together: seeing the full picture, handling debt, setting a real number, and building a plan around it.

Want help doing this with your own numbers? Book a call, link in bio.