Barbish Financial Group

08/04/2026

What Would Hiring Their Replacement Cost?

Replacing a key employee can involve much more than a salary.

Consider:

Executive recruiting fees
Hiring bonuses
Months of training
Lost productivity
Lost clients
Overtime for remaining staff

Those costs can easily reach hundreds of thousands of dollars.

08/04/2026

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

Broad market stocks finished a volatile month little changed with the S&P 500 capping its first winning week of the month, ending July just 0.06% in the red.…

08/03/2026

A stronger-than-expected jobs report could give the Fed additional confidence to keep rates higher for longer. Join CIO Gene Goldman on this week's episode of as he breaks down the July payroll outlook, the labor market signals pointing to a potential rebound, and what investors should watch as markets navigate inflation and interest rate uncertainty.

“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...

07/30/2026

Key Person Insurance Isn't Just for CEOs

Many owners think key person insurance is only for founders.

Not necessarily.

It may also make sense for:

A top producer
A specialized technician
A physician
A lead engineer
A rainmaker
Someone with unique customer relationships

Sometimes the person who creates the most value doesn't own a single share of the company.

07/28/2026

Could Your Business Survive Six Months?

Imagine your most valuable employee is suddenly gone.

Ask yourself:

✓ Would revenue decline?
✓ Would customers leave?
✓ Would projects stall?
✓ Would your lender become concerned?

If you answered "yes" to any of these, it's worth discussing how your business would financially respond.

07/27/2026

A busy week of economic data is ahead, but all eyes are on the Fed. Join CIO Gene Goldman on this week’s episode of as he breaks down what to expect from the upcoming Fed meeting, the latest inflation risks, and why September could be a key month for interest rates.

“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...

07/22/2026

The $500,000 Employee Nobody Insured

If your top salesperson, lead engineer, or operations manager didn't show up tomorrow, what would it cost your business?

Many companies insure their buildings and equipment but never insure the people who generate the revenue.

Key employee life insurance can provide cash to help:
• Recruit and train a replacement
• Cover lost revenue
• Reassure lenders and investors
• Maintain business continuity

Sometimes your most valuable asset isn't on the balance sheet.

07/20/2026

What's driving the recent market volatility? In this week's , CIO Gene Goldman discusses the factors behind recent market weakness and explains why pullbacks can remain opportunities for long-term investors.

“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...

07/17/2026

Market volatility has returned, led by weakness in technology stocks. While the headlines may feel unsettling, the broader market has remained more resilient, reinforcing the value of diversification and a long-term perspective.
Read the Cetera Investment Management Team's latest market commentary:

Market volatility has returned, led by weakness in technology stocks. While the headlines may feel unsettling, the broader market has remained more resilient,…

07/17/2026

Have you bought your ticket to Mars? The IPO market is heating up these days with two more big names preparing to debut in autumn.