Utica Capital

08/26/2026

📁 A Good Estate Plan Should Be Easy to Follow

Estate planning isn’t just about having a will or trust in place.

It’s also about making sure the people you care about know what exists, where to find it, and who to call when the time comes.

That’s something we believe is an important part of financial planning.

We regularly help clients connect their estate and legacy goals with their investment strategy, beneficiary designations, account ownership, and long-term planning. And when legal work is needed, we can help coordinate with trusted estate-planning attorneys as part of that process.

The goal is simple: make things as organized and clear as possible for the people you leave behind.

A recent article we came across was a good reminder that having the documents is important — but having a plan your family can actually follow matters too.

Interesting read below 👇

Financial advisors are uniquely positioned to prevent this problem that plagues many families at this stressful time.

08/20/2026

📚✏️ The Utica kids are officially back to school!

From the youngest to the oldest, we’re wishing them all a great school year. 🎒🍎

And to all the parents out there… enjoy getting a little bit of your routine back 😄

08/14/2026

🎰 Gambling & investing are not the same thing. 📈

An article from Marketwatch we read this morning shared a pretty eye-opening statistic:
52% of Gen Z investors surveyed said they had redirected money originally intended for investing toward sports betting.

Even more surprising—about 1 in 4 said they consider sports betting part of their long-term financial strategy.

With investing apps, betting apps, prediction markets and constant access from our phones, that line can probably feel blurrier than it did for previous generations.

But we do think there’s an important distinction:

🎟️ Gambling is entertainment.
📈 Investing is a long-term wealth-building strategy.

For young investors especially, simply understanding the difference is an important part of financial education.

08/10/2026

👶 Trump Accounts are officially here—and we’ve been getting a lot of questions. 💰

So, we put together a quick FAQ covering some of the most common ones we’re hearing from families.

As always, the right savings strategy depends on the family and the goal.

07/30/2026

🎉 We couldn’t let July pass without wishing Cole Dugger a very happy birthday!

This summer also marks Cole’s first full year with Utica Capital—and what a year it has been.

He has quickly become a vital part of our team, both behind the scenes and in the way he supports and serves our clients every day. He’s learned a lot, taken on plenty, and we know there is a great deal of success ahead for him.

We’re lucky to have Cole—and glad Grace gets to help us celebrate him too! 🎂🥳

Happy Birthday, Cole! We appreciate you! 👏

07/22/2026

💭 “How much do I need to retire?”

It’s one of the most common questions we hear.

The honest answer: everyone’s number is different.

It depends on much more than an account balance:

🏠 Housing and monthly expenses
🏥 Health care costs
📬 Social Security or pension income
💳 Debt
✈️ The lifestyle you want in retirement

For one person, retirement may mean traveling often. For another, it may mean staying close to home, helping family, or simply having more freedom and less financial stress.

There isn’t one magic number that works for everyone.

The better question is: What do you want your retirement to look like—and what will it take to support it?

Interesting read below 👇

"How much do I need to retire?" is one of the most common questions in retirement planning, and it is also one of the hardest to answer with a simple yes or no.

07/15/2026

💰 A Costco cashier earning about $33 an hour has become a 401(k) millionaire.

No lottery win.
No overnight success.
No complicated “get rich quick” strategy.

He simply started saving, stayed consistent, used the retirement plan available through work, and gave compounding decades to do its job.

It’s a great reminder that building wealth isn’t always about having the biggest paycheck.

Often, it looks more like this:

⏳ Start early
📈 Invest consistently
✅ Use your workplace benefits
🧘 Stay patient

Slow, steady—and maybe even a little boring—can be incredibly powerful over time.

Great story below 👇

Long-tenured workers like cashier Tony Barzar are reliable, experienced and able to speed shoppers through a checkout line. Costco is willing to pay to keep them around.

07/02/2026

🇺🇸 As we celebrate Independence Day, we’re also looking ahead to a historic milestone—America’s 250th birthday. 🇺🇸

The American Dream has never been about overnight success.

It’s been built through hard work 💪, opportunity 🌟, innovation 💡, and the freedom to create something meaningful for the next generation.

Here’s to celebrating where we’ve been… and the opportunities still ahead. 🇺🇸✨

Happy Independence Day from all of us at Utica Capital!

06/26/2026

Congratulations to our partners at Cambridge Investment Research, Inc. on an incredible achievement!

Being recognized as Broker-Dealer of the Year and having Amy Webber named CEO of the Year is a testament to the culture, leadership, and commitment to supporting independent advisors across the country.

We're proud to be part of the Cambridge family and grateful for the resources, service, and partnership they provide to help us better serve our clients every day.

🏆Congratulations to everyone at Cambridge on this well-deserved recognition! 👏

06/17/2026

📅 It's only June... but that's exactly why it's a good time to think about Required Minimum Distributions (RMDs).

One of the biggest mistakes we see is waiting until the end of the year to address them.

Why?

Because completing an RMD earlier can create more planning opportunities throughout the year, including:

✅ Qualified Charitable Distributions (QCDs)
✅ Tax planning strategies
✅ Roth conversion discussions
✅ Estimated tax management
✅ More flexibility and fewer year-end surprises

The RMD itself may be required, but how it fits into your overall financial and tax strategy deserves a little more thought.

Sometimes the best planning opportunities come from simply giving yourself more time.

You can read more in our latest blog:

🔗 https://www.uticap.com/blog-post/why-handling-your-rmd-earlier-in-the-year-creates-more-planning-opportunities