Vector Financial Services, LLC

08/30/2026

I’m so excited! I just met with a publisher earlier today and he wants to publish my book!!

08/26/2026

Today is a big day for Altruist and the financial advisory industry. Altruist just announced that they have agreed to be acquired by Vanguard, subject to customary closing conditions and regulatory approvals.

Altruist was created because their founders believed better technology and lower prices could help independent advisors build stronger businesses, serve their clients better, and bring high-quality financial advice to more people.

That belief has guided everything they’ve built. It is also why Vanguard is such a strong fit for Altruist. Vanguard has spent more than 50 years lowering the cost of investing and helping investors improve their chances of financial success. They have understood and supported Altruist’s mission since becoming an early investor in Altruist more than six years ago.

Vanguard’s expertise and resources will give Altruist, and therefore, Vector Financial Services, greater capacity and long-term support to build the advisor technology and custody capabilities we rely on. Altruist is expected to continue operating as a standalone business, retaining its brand, leadership, advisor focus, and distinct operating model, that benefits retail investors such as yourself!

If you have any questions, please don’t hesitate to reach out to me and I’ll be happy to chat about this with you in greater detail. Thank you for your trust and I look forward to building the next chapter of Altruist and Vector Financial Services with you.

Read the official announcement and the full letter of Altruist Founder and CEO, Jason Wenk at these links.

https://altruist.com/news/vanguard-to-acquire-altruist-expanding-the-reach-and-impact-of-financial-advice/?utm_medium=email&_hsenc=p2ANqtz-_MjhAUaVlkGafbjVLopqOvl15GmnAlmtVpVgMX3DBjfVgXBRMIyZhoHvi--DuzotL9nvhL-HmhLxTTUpud57HGAS6s6q6CWlioOZc7l-PgKwdSPYg&_hsmi=435330695&utm_content=435330695&utm_source=hs_email

https://altruist.com/news/a-letter-from-founder-and-ceo-jason-wenk/?utm_medium=email&_hsenc=p2ANqtz--yiAjXWWbcqE4VOW0oudlJVWJf2lLq18gx0AGpMQUprOcYl80HjiNKXszCfpKRutB9Rh0zyVwU3yF55x7WXzJyFn6nqxdybVlCymZBU41Yia6QEk0&_hsmi=435330695&utm_content=435330695&utm_source=hs_email

To our advisors, clients, team, and partners, We announced today that Altruist has agreed to be acquired by Vanguard, subject to customary closing conditions and regulatory approvals. There are announcements you spend years imagining, and others you never really believe will be possible. For me, thi...

08/25/2026

Longer life expectancies are changing what retirement looks like. With more years to plan for, your income and savings may need to go further than you initially expected. This also means your financial strategy should be built to support an extended retirement. Swipe to learn more.

If you have questions about your retirement strategy or want to ensure your plan is built for the long term, contact us today. We are here to help.

08/13/2026

When it comes to strengthening your benefits package, a 401(k) employer match can play a key role in supporting both your employees’ financial futures and your business goals. If you are considering offering or enhancing a 401(k) match, there are a few important insights to keep in mind. Swipe to learn more.

If you have questions about implementing or optimizing a 401(k) match, reach out to us today. We are here to help.

08/06/2026

Do you know the difference between term life and whole life insurance? If not, you are not alone — it is one of the most common questions people have when exploring life insurance for the first time. Swipe for a quick breakdown to help you understand how the two compare.

The right choice depends on your budget, your goals, and what you need your life insurance to do for your family. Have questions? Give us a call, and we are happy to help you find the right fit.

07/30/2026

A 401(k) deserves the same level of intentional planning as every other part of a household’s financial strategy. For many Northern Indiana professionals, a periodic review of your employer-sponsored plan can help ensure your allocation, contribution rate, beneficiary designations, and potential rollover options still align with your long-term goals.

At Vector Financial Services, our team provides objective, fiduciary guidance to help you evaluate whether your current choices support the retirement you’re working toward. Thoughtful oversight today can make a meaningful difference over time.

If you’d like a professional review of your 401(k), schedule a consultation with our team.

07/29/2026

For those that don't truly understand how Social Security Retirement Benefits are funded and paid out, there is a general government budget, but there are also payroll taxes (91%), income taxes on benefits paid (6%), and interest earned on investments (3%) that fund a reserve fund. When you hear about Social Security "going broke", this means the reserves are being depleted faster than they are being replenished. If Congress does not take action soon, the reserve fund is projected to be depleted by 2032. If no action is taken, that means there will no longer be a reserve fund able to pay additional benefits, which will result in an across-the-board cut in benefits of approximately 24% for each and every beneficiary. Thus far, every previous time that there has been a crisis to Social Security, Congress has acted in time to avert a disaster. With the deep divisions currently in Congress, with a growing fatigue about benefits paid and the ongoing cost to current workers, with the ridiculous pipe dreams of asking for a plethora of additional government freebies for everything from education to healthcare, there is less confidence that Congress may act in time. If that happens, everyone will be affected, either directly or indirectly. Worse still, if this younger generation that is mired in their own delusions that Socialism is some beautiful answer to all our problems doesn’t wake up soon, reality will provide a very severe wake-up call in which taxes could spike to 80%, and those that voluntarily choose not to work will be pressed into forced labor in order to simply survive. The US is already facing challenging fiscal problems due to unbridled spending on non-essential government programs, but as this report points out, failing to act on Social Security is bad enough. Continuing to push this fantasy about Socialism, though, is orders of magnitude worse!

These locations, a report finds, would take the biggest hit on a 24% benefits cut upon the trust fund's exhaustion.

07/28/2026

Mid-year is a smart time to reassess your charitable giving strategy, especially with the 2026 tax changes approaching. Our team at Vector Financial Services, LLC is helping many families and retirees understand how updated thresholds could shape the timing and structure of their gifts.

These changes may not affect how much you give, but they can influence the most tax-efficient way to give—particularly if you’re focusing on long-term planning, wealth management, or tax strategies in Northern Indiana.

If you would like a fiduciary review of your charitable giving plan or guidance on preparing for the 2026 thresholds, contact us at (855) 932-2932.

07/28/2026

Retirement income works best when it’s built with balance and flexibility. At Vector Financial Services, we help retirees create strategies designed to support the lifestyle they’ve earned while staying resilient through changing market conditions.

Swipe through to learn how guardrails and adaptable income strategies can help keep your retirement plan on track.

If you’d like to review your current approach or explore new options for retirement income planning, our team is here to help. Call us at (855) 932-2932 to schedule a consultation.

07/24/2026

For many families, a child term rider checks a few important boxes at once, and it is worth understanding why so many parents consider them.

A few key reasons:

🔵Simplicity - One policy can cover multiple children. This can make things easier to manage over time, especially for growing families who want to avoid juggling multiple policies.

🔵Affordability - Costs are generally low compared to separate policies. Because the coverage amounts are smaller and bundled into a single rider, it is often a budget-friendly way to add protection.

🔵Future insurability - Some riders allow children to convert to permanent coverage later, potentially without a medical exam. This can be especially valuable if health changes occur, helping to preserve access to coverage down the road.

🔵Financial support - The benefit can help cover unexpected expenses during a difficult time. While no policy can ease the emotional impact, it can help relieve some of the financial strain associated with medical bills or funeral costs.

Thinking about adding a rider to your policy? Give us a call, and we will be happy to walk you through what makes sense for your situation.