Month: September 2025

Recession or Head Fake?

With the Federal Reserve’s action this week in cutting interests rates by one quarter of one percent, the word “recession” is back in the news as a possibility. There must be literally nothing else financially speaking to talk about. In the meantime, check out two really good slides.

The first slide (above) outlines the vast difference of:

  • when a recession really occurs in the economy
  • when markets anticipate the recession and react
  • versus when the government (the NBER, National Bureau of Economic Research) “declares” a recession.

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Year-End Tax Planning 2025

The countdown to year-end will begin soon. With nearly four (4) months remaining in 2025, consider the following Year-End Tax Planning Checklist.*  Several of these items, if addressed now, could make a meaningful difference come tax filing season AND add to savings.

  1. How are you doing on maxing out your 401k? Many people do not know they can temporarily increase their 401k contributions through December 31st to reach the $23,500 maximum contribution (higher max for those age 50, and even higher for those age 60-63).
        • Lots of 401k or 403b plans allow participants to contribute 25-30% of pay – or even 100% of pay (100% can be a temporary measure in order to max out for 2025).
        • These 401k contributions can be tax-deductible, unless you are contributing to a Roth 401k. It is not too late!

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Concierge Medical Services

This will be a short TGIF 2 Minutes …on a topic that could take much, much, much longer and can be very, very, very expensive. The topic is healthcare and doctor selection and coverage.

The word, “selection”, is used for a reason. Selecting a Medical Doctor used to be fairly easy. Now, there are less Medical Doctors to go around, they are more expensive, and it seems all the best Medical Doctors have closed their practices. There is a myriad of reasons – beyond the scope of this discussion. Perhaps one of the reasons is outlined below under “concierge medical services”.

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