Nick Twentyfive at Finger Lakes Financial Services

07/02/2025

There was a lot of talk about egg prices on the rise not too long ago. The news slowed down reporting on eggs prices once they started falling.

This is an important lesson on emotion. They will always try to sell you on emotion first. You must remove emotion when it comes to financial decisions.

05/21/2025

04/22/2025

Concerned about the market? A fixed income strategy could be the smart move—tax-advantaged municipal bonds offer steady income and potential tax savings. I often compare these to investing in rental property—only without the headaches of property taxes, maintenance, or chasing down rent from tenants. Let’s talk about how these may fit into your portfolio.

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Now might be a good time for stability. Our fixed income strategies are designed to help.

04/22/2025

A good advisor faces the storm with the client.

04/21/2025

Some investors are turning to permanent life insurance as a retirement tool.

-Tax-deferred growth
-Market-proof cash value
-Tax-free income in retirement

But beware: it’s pricey and complex.

In today’s shaky market, it’s a defensive move—worth exploring if you value stability over big returns.

The following pros and cons should be carefully considered to determine whether life insurance would be a good addition to one’s overall retirement strategy.

03/26/2025

Imagine selling your business and excluding $10 million in gains—or even 10 times your initial investment—completely tax-free! Under IRC Section 1202, if you purchased C-Corp stock directly from your company and hold it for at least 5 years, you could eliminate capital gains tax. For example, if you invested $500,000 in qualified small business stock (QSBS), you could exclude up to $5 million in gains. However, qualifying for this benefit requires careful planning and documentation. Want to see if your business qualifies?

03/07/2025

Have you noticed how the market has its ups and downs? Lately, there's been a lot of buzz about market volatility.

It’s natural to feel uncertain during these times. But here’s the thing—market pullbacks have historically been opportunities, not just setbacks. Downturns give long-term investors a chance to buy quality investments at a discount.

If you believe in what you own, moments like this can be a time to add, not panic.