Jeremy Willner, Managing Partner & Wealth Advisor

08/24/2026

A lot of the headlines around the markets right now are focused on stocks, but there’s another part of the market worth watching: debt.

Debt is becoming a bigger part of the market story—from $40 trillion in U.S. government debt to the growing use of debt to fund the AI boom.

While we believe the summery rally looks likely to continue, it’s a reminder to keep the bigger picture in view.

Get our full analysis on recent market moves: https://bit.ly/4wKkyPm

08/22/2026

We all have some idea of what we hope our investments will do over time.

But have you ever stopped to think about what those expectations say about how much risk you’re comfortable taking?

Try the Investment Risk Tolerance Quiz to get a better sense of how you think about risk and long-term growth: https://bit.ly/3EKs844

08/21/2026

Retirement isn’t one long stretch of life that looks the same from beginning to end.

The early years may be filled with travel, activities, and more spending on experiences. Later, the pace may slow. Eventually, healthcare and support may become a bigger part of the picture.

Thinking about those stages now can help you plan for more than just the first few years.

See what each phase may mean for your retirement plans: https://bit.ly/3SfqLnK

Retirement is about more than finances—it’s a life transition. Learn how to prepare financially and personally for a fulfilling next chapter.

08/19/2026

At first, Social Security can sound pretty simple: claim early or wait.

But there’s a lot wrapped up in that decision. Your monthly income, taxes, Medicare, other retirement income and even your spouse’s benefits may all come into play.

Before focusing on your claiming age, see how Social Security may fit into the rest of your retirement plan:

Learn more about how Social Security benefits work, how they fit into your broader financial plan, and what mistakes to avoid along the way.

08/17/2026

Retail sales fell in July, which gave investors another reason to worry about the consumer.

But the broader picture is more complicated.

Households have continued to deleverage, debt-service costs remain below historical averages, and serious delinquencies are still relatively contained compared with income.

See why the consumer may be slowing without necessarily breaking: https://bit.ly/4hFm2qs

08/15/2026

You may never feel completely ready to send your child off to college.

But you can get a better sense of whether you’re financially prepared for it.

Answer nine questions to gauge your college readiness and see what you may want to focus on before the tuition bills arrive: https://bit.ly/3noZ50Y

08/14/2026

Saving for retirement isn’t just about how much you put away. How you save can matter, too.

Traditional and Roth IRAs both offer tax advantages, but those benefits show up at different times. One can offer a tax benefit today, while the other offers the potential for tax-free qualified withdrawals later.

See how the tradeoffs differ and what else may factor into the choice:

Learn the differences between a Roth IRA vs. a traditional IRA, and which savings vehicle is the best fit for your retirement savings goals.

08/12/2026

Estate planning isn’t always an easy conversation to start.

That’s true whether you’re creating your first plan or wondering if the one you already have still fits your life.

This on-demand session breaks the topic into more manageable pieces, including what a plan can make clear, how taxes may affect what you leave behind, and when it may be time to take another look.

See how to make the estate planning conversation feel less overwhelming: https://bit.ly/3TEocwx

Debbie Taylor is not affiliated with Cetera Wealth Services LLC. David Haughton is a non-registered associate of Cetera Wealth Services LLC, Member FINRA/SIPC. Any information provided by these individuals is provided entirely on behalf of CWM, LLC and is in no way related to Cetera or its registered representatives.

The opinions contained in the linked material is provided entirely on behalf of CWM, LLC and is in no way related to Cetera Wealth Services LLC, or its registered representatives. This information is from sources believed to be reliable, but Cetera Wealth Services LLC cannot guarantee or represent that it is accurate or complete.

08/11/2026

We had a great day for our 19th annual golf invitational! Thank you to the entire team and all our wonderful clients that came out today. Also a big thank you to Koronis Hills.

08/10/2026

The jobs report looked rough at first.

Payrolls fell by 23,000, and earlier months were revised lower. But unemployment also dropped to 4.1%, prime-age employment stayed high, and layoffs remained unusually low.

Hiring has slowed, but the broader picture may be steadier than the headline suggests.

See what the latest jobs data may really be telling us: https://bit.ly/4hqIOCj