Wilde Wealth Management Group

07/22/2026

🌍✈️ Tips for Studying Abroad! 📚🎓

Many students are curious about studying abroad when they enter college, or even as part of a foreign exchange program in high school.

If you have a child, grandchild, or other loved one who is considering this, here are a few things they should do first.

1. Get familiar with your new ‘home’ country beforehand: The sooner you get started the more you can prepare. Learn about the history, traditions, cultural norms and current events happening. That way you feel more comfortable when you arrive.

2. Apply for study abroad scholarships and financial aid: Studying abroad can be expensive! But applying can curb the financial burden. Some grants and scholarships can cover tuition, books, housing, or even flights.

3. Attend all pre-departure orientations: These may seem annoying, but these orientations are vital. Take in as much information as you can. You’ll also be able to meet others in your program.

4. Make a plan for your phone usage: Your phone probably isn’t ready to use overseas just yet. Be sure to check with your phone carrier to see if International calls and service are included in your plan or if you need to make modifications.

5. Familiarize yourself with transportation: Make sure you know the best ways to navigate your new neighborhood to make things a lot smoother for you.

6. Start learning the language before you go: Learning the language of the land will not only help you become immersed in the culture, but it will be beneficial for you to apply what you learn in class. Look for language apps, books, or even find a tutor to help.

7. Set up your post-study-abroad housing: This tip may seem premature, but life moves fast when abroad. Save yourself some stress by having a plan in place when you return. Some people sign an apartment lease or move back into dorms. Either way, make a plan.

8. Say YES to new adventures: You didn’t travel the world to stay cooped up in your room! This can make your study abroad experience immensely better.

07/22/2026

Do you really understand how your homeowners insurance works?

Purchasing homeowners insurance is critical for protecting your home.

07/20/2026

What's driving the recent market volatility? In this week's , CIO Gene Goldman discusses the factors behind recent market weakness and explains why pullbacks can remain opportunities for long-term investors.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

07/17/2026

Market volatility has returned, led by weakness in technology stocks. While the headlines may feel unsettling, the broader market has remained more resilient, reinforcing the value of diversification and a long-term perspective.
Read the Cetera Investment Management Team's latest market commentary:

Market volatility has returned, led by weakness in technology stocks. While the headlines may feel unsettling, the broader market has remained more resilient,…

07/16/2026

What are you doing to protect your identity?

If you’re like most Americans, the answer is probably, “not much.”

According to a survey by the Identity Theft Research Center, only 3% of adults chose to freeze their credit after receiving a data breach notice…even though freezing your credit is one of the best ways to prevent identity theft.

One possible reason for this is that credit freezes have traditionally cost money. But many don’t realize that you can freeze your credit for free!

To get the most protection, you should freeze your credit at all three major credit reporting agencies. Visit these websites to learn how:

TransUnion: transunion.com/credit-freeze
Experian: experian.com/freeze/center.html
Equifax: equifax.com/personal/credit-report-services/credit-freeze

A few things to know:

When you apply for a credit freeze, the agency will essentially lock, or freeze, your file so that it can’t be accessed.

That way, even if a lender requests your information, the agency will not release it until you “thaw” the freeze first.

Creditors cannot access your report which keeps them from approving any new credit account in your name, fraudulent or legitimate.

While a credit freeze is a valuable weapon in the fight against identity theft, it won’t protect you from everything. That’s why you should also check your credit report regularly. (You can still request a credit report even if your credit is frozen.)

Freezing your credit will not affect your credit score.

Please let us know if you have any questions, and be sure to visit the links listed above to learn more!

07/16/2026

Read the latest issue of Financial Watch here:

Your emergency fund is one of the most important financial tools you have. It is what stands between an unexpected car repair and a credit card balance that…

07/15/2026

Do you need umbrella insurance? Find out more.

Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected.

07/14/2026

Tuesday Trivia

Question: Why is it called a “Roth IRA”?

A) Roth stands for “Retirement Obligations, Taxes, and Holdings”
B) It was named after Senator William Roth
C) It comes from the Roth Investor Rights Act
D) It was named after the Rothschild banking family

Answer: B) It was established by Senator William Roth in 1997 as part of the Taxpayer Relief Act. A Roth IRA differs from a traditional IRA in that contributions are made with after-tax dollars. While that means you cannot take an immediate deduction, it also means you don’t have to make mandatory withdrawals in retirement (known as Required Minimum Distributions), and any withdrawals you do make are tax-free.

Disclosure:
A Roth IRA offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal or earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59 ½ or due to death, disability, or a first-time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes.

07/14/2026

Read the latest issue of Retire Wise here:

Inflation works quietly in the background, and over time, even a modest rise in the cost of everyday goods and services can chip away at the lifestyle you…

07/13/2026

Earnings season begins this week, with major banks kicking off a six-week stretch of quarterly reports. Join CIO Gene Goldman as he explains why earnings matter, what investors should watch for in the latest results, and how markets may respond as companies report against elevated expectations in .

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...