Keystone Retirement Resources, Inc.

09/01/2026

September is College Savings Month, and it's a good time to think about what you want your child's future to look like. Every family's situation is different. If you have questions about what college savings options might make sense for your household, reach out. That's exactly what we're here for.

08/24/2026

🎒📚 Back to School! 🍎✏️

Hey everyone! As the summer sun begins to set, it's time to trade in those flip-flops for some fresh kicks and head back to school. Whether you're starting a new grade, meeting new teachers, or reuniting with friends, this school year is your blank canvas. Let's fill it with laughter, learning, and unforgettable memories. Remember, every day is a new adventure waiting to unfold. Wishing you all a fantastic and successful school year ahead!

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08/07/2026

If your kids are starting a summer job, why not look into a Custodial Roth account? Talk to your kids about how they can get started with tax-advantaged savings. Whether they put money in the account or you get it started for them with a gift, it’s a good way to start a great habit. For more information or to set up a meeting, drop us a note today!

We can explain the pros and cons of Custodial Roth IRA, and introduce you to some of the unique features of custodial accounts, including when kids can take control of the asset. Also, remember, with a Roth IRA, to qualify for the tax-free and penalty-free withdrawal of earnings, a Roth must meet a 5-year holding requirement and occur after age 59½. Tax-free and penalty-free withdrawals can also be taken under certain other circumstances, and the original Roth IRA owner is not required to take minimum annual withdrawals.

08/06/2026

There are so many reasons to create a will this month, but here are three big ones to consider:

Direct Your Property: Creating a will tells the courts how you want your property distributed. Without a will, state laws will determine how your estate is divided, which may not align with your intentions.

Provide instructions to the probate court: A will can help manage the probate process, providing instructions to the court.

Designate Guardianship for Minor Children: If you have minor children, a will allows you to appoint a guardian to care for them. This crucial step directs that your children are raised by someone you trust, rather than leaving the decision to the courts.

08/05/2026

The Perseids meteor shower is back, bringing one of the best skywatching events of the year.

The meteor shower occurs each summer from about July 17 to Aug. 23 and is expected to peak this year between Aug. 12 and 13.

Under clear, dark skies, the Perseids can produce 50 to 100 visible meteors per hour.

The shower is known for bright, fast-moving meteors that can leave trails of light and color as they move through Earth’s atmosphere. It is also known for fireballs, which are larger bursts of light that can appear brighter and last longer than a typical meteor streak.

For the best viewing, NASA recommends finding a spot away from light pollution, lying flat on your back, and giving your eyes about 30 minutes to adjust to the dark.

The Perseids are best seen in the Northern Hemisphere during the predawn hours, but they can also be visible earlier in the evening.

Sometimes, the best summer moments are the ones that ask us to slow down, look up, and take in something bigger than our daily routines.


Source:

It's the time of the summer when the Perseids meteor shower is lighting up the night sky.

08/04/2026

Life insurance is often framed as something you only think about "just in case."

But for many people, it can be part of a broader financial foundation—supporting both current flexibility and future considerations.

From how coverage works to what employer benefits actually provide, understanding the basics can make it easier to decide what fits your situation.

Several factors affect the cost and availability of life insurance. And any guarantees associated with a policy depend on the issuing insurance company's ability to continue making claim payments.

08/03/2026

Online scams are becoming more sophisticated, and new technology is helping criminal networks operate at a larger scale.

An AP investigation found that scam operations have used artificial intelligence, cloud services, internet infrastructure, satellite connections, and social platforms to target people around the world.

Some scams now involve automated messages, real-time translation, fake identities, and carefully scripted conversations designed to build trust quickly.

The financial damage can be devastating. The Federal Trade Commission estimated that scams cost Americans nearly $200 billion in losses in 2024.

The human impact is also serious. Some people working inside scam compounds have been trafficked or forced to participate under threat of violence.

For consumers, the warning signs still matter: pressure to act quickly, requests to keep conversations secret, sudden talk of money or investments, and relationships that move unusually fast.

As scams become more advanced, skepticism can be a form of protection. Slowing down, verifying details, and talking with someone trusted before sending money can make a meaningful difference.


Source:

Technology from American companies is being used to power a revolution in the scam industry, playing a key role in the industrialization and globalization of fraud in ways that have not been clear until now, an AP/“FRONTLINE” investigation has found.

07/31/2026

The Common Cents Act has passed the House and now moves to the Senate for consideration.

The bill is tied to the phase-out of the penny and would create a national rounding standard for cash transactions.

Under the proposal, cash purchases would be rounded up or down to the nearest five cents when exact change is not available.

For example, a purchase totaling $10.02 would round down to $10.00, while a purchase totaling $10.04 would round up to $10.05.

Pennies would still retain their value under the act, even as the Treasury stopped minting them.

The bill is especially relevant for businesses that handle cash, including restaurants and retailers, because it could reduce confusion and legal risk around exact change.

For consumers and businesses, the broader takeaway is that even small changes in currency rules can affect daily transactions, checkout systems, and cash-handling practices.


Source:

New law aims to address how businesses and consumers should transact amid the phase-out of the penny.

07/30/2026

A new study suggests a blood test may someday help identify healthy older adults who are at higher risk of developing Alzheimer’s symptoms years in advance.

The test measures p-tau217, a form of tau connected to Alzheimer’s-related changes in the brain.

Researchers found that symptom-free older adults with very high levels of p-tau217 had a 38% risk of developing cognitive impairment within five years. That risk rose to 78% over 10 years, though researchers noted there is less confidence in the 10-year estimate.

For now, scientists say the test may be most useful for research, including identifying people who could participate in studies of possible Alzheimer’s treatments or prevention strategies.

They also caution that the test is not yet precise enough to guide an individualized prognosis for healthy people.

The broader takeaway: medical advances can create promising new tools, but timing, accuracy, and clinical usefulness matter. For now, researchers still emphasize familiar brain-health habits, including eating well, sleeping well, exercising, and staying socially engaged.


Source:

A blood test that helps diagnose Alzheimer's might also forecast if healthy older adults will develop symptoms.

07/29/2026

U.S. airlines spent more than $6 billion on jet fuel in May for the second month in a row.

According to government data, airlines spent $6.66 billion on fuel in May, up 84% from a year earlier.

The increase was driven mostly by higher fuel prices, not higher fuel use. U.S. carriers used slightly less fuel than they did a year ago, while the average price paid rose to $4.09 per gallon.

Fuel is typically one of the airline industry’s highest operating costs, which can make carriers especially sensitive to swings in energy prices.

In response to higher fuel costs, airlines have raised fares and fees in some cases and adjusted flight schedules.

For travelers and businesses, the broader takeaway is that energy prices can affect more than the cost of filling up a car. They can also influence airfare, travel budgets, company expenses, and inflation pressures.


Source:

Government data released Tuesday shows that U.S. airlines spent $6.66 billion on jet fuel in May