Wilde Wealth Management Group

09/23/2026

A disability could keep you from work and increase costs. How can you protect yourself?

In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.

09/23/2026

While much of our volunteer work focuses on helping children in our local communities, this quarter gave us the opportunity to support children across the globe.

Across two volunteer sessions at Feed My Starving Children, our team packed 224 boxes containing 48,384 meals. That is enough to feed 131 children for an entire year!

We are grateful to everyone who volunteered and helped make such a meaningful impact.

The charitable entities and/or fundraising opportunities described herein are not endorsed by, or affiliated with Cetera Advisors LLC or its affiliates. Our philanthropic interests are personal to us and are not reviewed, sponsored, or approved by Cetera Advisors LLC.

09/22/2026

Business owners face all sorts of challenges that most people never think about. But that list of challenges doesn't usually shrink as they get closer to retirement. If anything, it gets even larger. That's because business owners have to start thinking about:

-How to determine the value of their business
-How to find a buyer or family member to transition to
-Choosing the right time to sell
-Determining whether selling your business will bring in enough proceeds to fund your retirement and other financial goals.

According to Gallup, 74% of employer-business owners plan to sell or transfer ownership one day.

But 65% of those business owners don't have a succession plan in place.

And 98% of small business owners don't know the value of their own companies.

If you are a business owner, there are few things you can do that are more important than creating a formal, WRITTEN transition plan.

But what does a business transition plan actually cover?

First, an effective plan should include a thorough analysis of your business, including its:

-Finances and management structure
-Team roles and responsibilities
-Competitive environment
-Unique value proposition, plus branding strengths and weaknesses
-Ideal customer profile
-Basic policies and procedures for ensuring smooth day-to-day operations.

Basically, it should show what your business needs in order to be successful. Think of it as an inventory of what you have to work with.

Next, it should address the most important needs you'll have when it comes to selling or transitioning your business:

-How to ensure the orderly payment and transition of ownership/management to your successor/heir.
-How to minimize the taxes that come from selling your business, for all parties involved.
-How to ensure you have sufficient assets to pay estate taxes or to provide necessary liquidity to the business during the transition period.

Business owners often don't have much time to think too far ahead, and this is just scratching the surface. But if you are a business owner who does not yet have a transition plan, we cannot recommend this strongly enough: Get started on one before the year is out.

It is such an incredible secret weapon for ensuring that your company remains viable in the long run, that you can always take care of your customers and employees, and that you can personally derive the maximum value from your business one day.

Sources:
- https://news.gallup.com/poll/657362/small-business-owners-lack-succession-plan.aspx
- https://www.investmentnews.com/retirement-planning/most-potential-business-successors-think-theres-a-plan-but-owners-say-otherwise/267296
- https://www.cnbc.com/2022/07/17/most-business-owners-dont-do-the-math-on-their-most-valuable-asset.html

09/21/2026

The Fed's latest rate decision has captured attention, but earnings season may provide additional insight into the health of corporate America.
In this week's , CIO Gene Goldman discusses earnings expectations, the sectors driving recent growth, and key areas to watch as companies begin reporting quarterly results.

“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...

09/17/2026

Read the latest issue of Financial Watch here:

When you know where your money is going, it can be easier to make sure it's going toward the things that matter most to you. In this month's Financial Watch,…

09/16/2026

September is "Life Insurance Awareness" month!

Here's a comment I often hear:

"There are too many options for life insurance! It's impossible to know which one to choose."😭

Trust me... You're not alone. 👇

More than half of Millennials haven't gotten coverage because they don't know which type or how much insurance to buy, according to one study. (https://www.limra.com/en/research/research-abstracts-public/2018/2018-insurance-barometer/)

Yes, there are a variety of options, but that should be viewed as a way to tailor coverage to meet your individual needs — not as a deterrent to working toward securing your financial future.

In general, there are two major categories of life insurance — term and permanent.

🤔So which one makes sense?

It all depends on your needs.

You can think of the difference as: renting (term) vs. buying (permanent).

Term: If your primary goal is to provide for your family in case of an unexpected death, and you want to cover this risk for a fixed number of years (such as until your children are grown), then term insurance is likely the most appropriate option.

Permanent: On the other hand, if your goal is to provide for a lifetime need, or you have other potential goals, such as wealth transfer or potentially covering a long-term care need, permanent insurance may be more appropriate.

09/16/2026

Valuation is important for business succession, estate taxes and even qualifying for a loan.

Ascertaining the value of your business is important for a variety of reasons.

09/14/2026

Could the Fed pull the trigger on another rate hike?
Inflation pressures remain elevated, so will be watching Wednesday's FOMC meeting closely.
Chief Market Strategist Brian Klimke discusses what the Fed is expected to do, why inflation remains a challenge, and what bond markets are signaling for the year ahead 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...

09/14/2026

On August 3rd, 1978, President Jimmy Carter declared that the first official National Grandparents Day would be celebrated on September 13th. In the proclamation, he stated:

"Our nation was shaped by the wisdom and courage of our founding fathers, and by the steadfastness of succeeding generations who have sustained their vision through two turbulent centuries of challenge and growth.

Each American family is similarly shaped and guided by its forbears. Just as a nation learns and is strengthened by its history, so a family learns and is strengthened by its understanding of preceding generations. As Americans live longer, more and more families are enriched by their shared experiences with grandparents and great-grandparents.

The elders of each family have the responsibility for setting the moral tone for the family and for passing on the traditional values of our Nation to their children and grandchildren. They bore the hardships and made the sacrifices that produced much of the progress and comfort we enjoy today. It is appropriate, therefore, that as individuals and as a nation, that we salute our grandparents for their contribution to our lives."

In honor of Grandparents Day, we asked a few people we know who are grandparents what words of wisdom they would share with the next generation. Here's what they said:

"Never quit trying."

"Embrace a set of standards and a philosophy for life that you can live by and stand fast by it throughout the rest of your life."

"Stay positive and life will be happier."

And my personal favorite:

"Listen to your elders, 'cuz they been there and done that."

Happy Grandparents Day!

09/11/2026

Everyone knows that, twenty-five years ago, when the first plane struck the North Tower in New York City, professional first responders all raced into action. Fire trucks, ambulances, police cars, and more weaved through traffic without a second's hesitation.

But what most people don't know is that something else was streaming towards Lower Manhattan that morning:

Boats.

It started with Captain Richard Thornton, ferrying commuters over the Hudson River. Seeing the smoke coming from the North Tower, he instantly knew what to do.

"We immediately just took off. We stole the boat…we didn't tell anybody," he later said.

As he approached, Thornton saw the second plane hit. Despite feeling overwhelmed, he docked his boat at the closest pier to Wall Street. Hundreds of people "swarmed onboard, filling it well beyond its 399-person capacity." Thornton dropped them off in Hoboken, New Jersey, and then immediately turned back for another trip.

But this time, he was not alone.

A radio call had gone out for "all available boats." With Manhattan essentially sealed off, the water was the only way out. So, within minutes, ferries, tugboats, private boats, party boats, and diving boats all arrived on the scene, evacuating hundreds of thousands of people to every other part of New York.

"If it floated, and it could get there, it got there," said one boat's engineer.

Another captain, in a documentary, later said, "I worked on the water for 28 years, I've never seen that many boats come together at one time that fast. One radio call and they just all came together."

Said a third captain, "I never want to say the words 'I should have.' Never go through life saying you should have. If you want to do something, you do it."

It ended up being the largest boatlift in history. Even larger than the one at Dunkirk in World War II, when the entire British Army was evacuated from France.

Twenty-five years later, we think stories like this are the true legacy of September 11. Because while it took years of planning for the terrorists to express their hate, it took regular, ordinary people only seconds to decide to help.

May we never forget.