Rafe Klein David Lerner Associates

10/23/2026

10/22/2026

A 401(k) or IRA account is not a purchase that gets finalized on day one. It can require periodic attention as contribution limits, income, goals, and market conditions all shift over time. Here are some things you may want to revisit before the year is out.

10/20/2026

An emergency fund can absorb a car repair or a short gap in income without disrupting the rest of a household's finances. Insurance, on the other hand, can exist for cost surprises that are too large or too prolonged for savings alone to reasonably cover.

Reviewing them together, rather than as two separate items, gives a more accurate picture of where a household is genuinely exposed in an emergency.

Explore more about creating your safety net 🔒 : https://bit.ly/4s8zPIY

10/18/2026

Starting January 1st, educators such as teachers and coaches are getting an additional tax break opportunity. If eligible, they can deduct unlimited eligible expenses for supplies used for instructional activity as an itemized deduction 🖍️📏✂️

Learn more about tax deductions for educators: 📓 https://bit.ly/3WbWXdM

10/14/2026

The 50/30/20 rule has been a staple framework for budgeting, focusing on needs, wants and savings.

Reviewing in October, right before the year's heaviest spending months, can be a valuable time to reset before the year-end. Learn more budgeting tips by clicking the link to our article in the comments.

10/12/2026

When’s the last time you checked up on your retirement plan?

10/09/2026

10/08/2026

Moving to another state can be exciting. But it may also have tax consequences that can follow you long after you settle in.

For an easier transition, ask yourself these questions ahead of moving day:
-How will your income, including retirement and investments, be taxed?
-Is your move temporary or permanent?
-Will you need to file a part-year return?

Learn about each of these tax considerations: 🚚 https://bit.ly/4ytT2as

10/06/2026

It's National Financial Planning Month! October can be a great time to review your finances before holiday spending and end-of-year decisions begin.

Explore where to start with your fall check-in 🍂by reading the article, linked in my comment below ⬇️

10/04/2026

Medicare enrollment is typically a 7-month window starting 3 months before the month you turn 65 🎂

Before that time, it can be beneficial to compare your current coverage with Medicare options to find potential gaps and estimate future healthcare costs. This might include looking at premiums, deductibles, copays, prescription drug costs, and services.

Explore 5 other steps you can take before the Medicare window: ✅ https://bit.ly/4y1b5nV