Michelle Tolmoff

06/04/2026

Long-term care isn’t just an “in your 80s” issue. Some data puts the average age of a long-term care event around 44—often after an accident, illness, or sudden change in health.

And it’s not always forever: it can be temporary rehab or short-term help at home.

Medicare generally doesn’t cover extended custodial care, so planning early can help protect a retirement plan and I'm here to help.🤝🏡

06/02/2026

Retirement planning is like tending a garden—different tools for different seasons.

One that’s often overlooked: permanent life insurance with cash value (sometimes called a LIRP). For some folks, it can add tax-advantaged flexibility alongside IRAs/401(k)s. Not a fit for everyone.

Curious? Let’s walk through it. 🌿

06/02/2026

This Monthly Recap summarizes market performance, major events and news from May 2026. Read more here:

U.S. stocks extended gains in May, with the S&P 500 ending the month with seven straight daily gains and its ninth consecutive weekly gain, its longest winning…

06/01/2026

Markets are riding a nine-week rally, but a data-heavy week will test that momentum. With PMIs, job openings, and the May jobs report in focus, we are watching labor strength and inflation signals closely. The question: can the rally continue, or does volatility return? See what Chief Market Strategist Brian Klimke thinks 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...

06/01/2026

I missed Mother’s Day this year. My mom passed two weeks before—unexpectedly.

In the middle of grief, early family conversations, clear estate documents, and life insurance helped make a hard season a little easier to navigate.

If it’s been a while, consider reviewing beneficiaries and your family plan. I am here to help.

06/01/2026

Markets can feel like weather—sunny one day, stormy the next. ☔️🌱

For those exploring more predictable options, some fixed annuities are offering rates up to 5.65% (as of 5/30/26; subject to change; terms vary).

Fixed annuities aren’t suitable for everyone. Let’s review your goals and timeline to see what (if anything) fits.

06/01/2026

05/26/2026

A quiet week for data, but Thursday’s PCE report still matters. Inflation is expected to remain above the Fed’s target. But the bigger driver? Geopolitics—especially in the Middle East. See why Chief Market Strategist Brian Klimke says markets may take cues from headlines, not data, 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...

05/21/2026

Read the latest issue of Financial Watch here:

When basic money management principles such as saving, spending, earning, and giving are taught at an early age children are more likely to grow into teens and…

05/18/2026

A quieter market week is setting the stage for something bigger. Fed signals, fresh leadership, and inflation trends all coming into focus. Stay tuned—this is where clarity begins. CIO Gene Goldman explains 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...