Nastali Financial Services, Ltd.

10/20/2026

Do you know what your insurance needs are, when you’re married, with children?

10/19/2026

🛍️ What if you and another shopper paid different prices for the exact same groceries?

AI could make that scenario more common.

Retailers are exploring personalized pricing, which may use data such as browsing habits, ZIP codes, and purchasing behavior to determine what individual shoppers are willing to pay.

In one Instacart pricing experiment, researchers found that identical grocery baskets cost some shoppers up to 23% more than others. Instacart disputed aspects of those findings and later ended the experiment.

As AI becomes more involved in retail, it raises an interesting question: Will the price you see depend on who's shopping? 🤖

Retailers want to harness the power of artificial intelligence to set personalized prices for shoppers, a consumer protection expert says.

10/19/2026

Social Security recipients will receive a 3.6% cost-of-living adjustment (COLA) in 2027, translating to approximately $75 more per month on average.

The increase comes as inflation continues to affect everyday expenses. September's Consumer Price Index showed prices rising 3.7% over the past year.

But will the adjustment be enough? A September AARP survey found that roughly three-quarters of adults age 50 and older didn't believe a 3.5% COLA would keep pace with rising prices.

The actual increase will vary by recipient, and expenses such as health care, housing, and groceries may affect how far that additional income goes.

The Social Security Administration projects a 3.6% cost-of-living adjustment for older adults and people with disabilities starting in 2027.

10/19/2026

Read the latest issue of Financial Watch here:

You can do everything right online and still end up on a spreadsheet you never agreed to be part of. In this month's Financial Watch, learn how to respond…

10/19/2026

Earnings season takes center stage this week. Brian Klimke breaks down what investors should watch, including corporate guidance, earnings revisions, market breadth, and the latest signals from Cetera's weekly chartbook.

“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...

10/19/2026

What happens to your cash flow when you stop earning a paycheck?

The 2026 EBRI Retirement Confidence Survey caught something interesting about that shift.

📊 Among workers, 33 percent say they turn to a financial professional for guidance.

📊 Among retirees, that number climbs to nearly 40 percent.

National Retirement Security Week (October 19–25 this year) is a reminder to check whether your strategy is evolving with your lifestyle priorities.

If retirement is within a few years, the practical step is not rebuilding the strategy today.

It's identifying the two or three moving pieces that are no longer theoretical, the day you stop working, and consider working with a financial professional who can help guide you.

10/19/2026

Do you have a will? Is it updated?

When do you need a will? The answer is easy: Right Now.

10/18/2026

If you don’t have an estate strategy, here's some reasons why you should.

Do you have an estate strategy? You should.

10/16/2026

Fidelity's 2025 wealth transfer study found that roughly 67 percent of parents age 55 and older have never told their adult children what they will inherit, or whether they will inherit anything at all.

About 33 percent would prefer the kids are kept in the dark about the amount.

Their reasons should feel familiar:
✔️ Worry that a specific number will dampen a child's drive
✔️ Discomfort talking about money at all

The same study found:
Most adult children say they are ready to handle whatever they inherit and would rather shape things while their parents are still around to explain the "why" behind decisions.

Families who have inheritance strategies share some similar habits:
💬 Kids know who the financial professionals are and how to reach them
💬 Everyone knows where the estate documents are
💬 They try to manage any surprises well ahead of time

So, do you tell your children or not?

There's no single right answer here.

Sharing exact numbers isn't necessary, but most families find that a broad discussion can help with priorities and expectations.

10/15/2026

Check out this video on taxes.

Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.