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FINANCIAL STRATEGIES NEWSLETTER

SECOND QUARTER 2026

Greetings!

As we move into the second quarter of the year, it’s a great opportunity to revisit the key elements of your financial plan and make sure your long-term goals remain on track. In this quarter’s newsletter, we explore important retirement and estate planning topics, including the long-term outlook for Social Security, strategies to help the next generation build wealth through a Roth IRA, and key considerations before naming a minor as a beneficiary. Thoughtful planning today can help create greater financial confidence for you and your family tomorrow. As always, if anything prompts questions or sparks a conversation, please don’t hesitate to reach out—we’re here to help.

The AFM Team

MARKET NAVIGATOR

The second quarter of 2026 was a strong one for investors, as stock markets rose sharply due to easing tensions in the Middle East, lower oil prices, and better-than-expected corporate earnings. While inflation and potential interest rate increases remain concerns, the economy continues to show resilience through solid job growth, consumer spending, and strong company profits, supporting a positive outlook for markets.

SOCIAL SECURITY’S TRUST FUND WILL RUN OUT IN 2032 — WHAT IT MEANS FOR YOUR RETIREMENT

Social Security may be making headlines again, but the story is more nuanced than it appears. Learn what the projected 2032 trust fund shortfall could mean for retirees, why experts say the program isn't disappearing, and how thoughtful planning can help you prepare for the future with confidence.

HELP YOUR KIDS GET A HEAD START ON SAVING WITH A ROTH IRA

Give your children a financial head start that could benefit them for decades to come. Discover how a custodial Roth IRA can help turn early earnings into long-term opportunities, and why starting sooner may be one of the most valuable gifts you can give.

WHAT YOU SHOULD KNOW BEFORE NAMING A MINOR AS A BENEFICIARY

Naming a minor as a beneficiary may seem straightforward, but there are important legal, financial, and tax considerations that could affect how and when assets are received. Learn about the key planning options available and the steps that can help ensure your intentions are carried out smoothly for the next generation.

TAX RETURN REQUEST

If you haven't done so already, please send us a copy of your 2025 Federal and state returns to help us better serve you throughout the year. We are best able to perform tax related analysis with your most current tax return. The easiest and most secure way to send your tax return is through your Investor360 online access. For instructions on how to upload your return click here. Don't have an Investor360 login? Please contact us to have one setup.

AFM NEWS & NOTES

We are proud to announce several individual advisor awards. For more details click on the link below
Congratulations to Elizabeth on her engagement
Celebrating Zak's 5-Year Anniversary and promotion
Alexandra Armstrong featured in Smithsonian Women's History Project
Supporting a great cause on the golf course
Welcome, baby Clara!

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Armstrong, Fleming & Moore, Inc.

202.887.8135 |202.887.0050 Fax | info@afmfa.com

Providing financial planning and investment advice since 1983

Securities offered through Commonwealth Financial Network®, Member FINRA/SIPC. Fixed Insurance products and services and advisory services offered by Armstrong, Fleming & Moore, Inc., a Registered Investment Adviser, are separate and unrelated to Commonwealth.

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