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MONTH-2-MONTH
SEPTEMBER 2025
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MONTH-2-MONTH is intended to provide you with updates on AFP and timely financial planning and investment information on a variety of topics.
If you find our content useful, please forward this email to a friend.
| | TURNING THE PAGE AS SUMMER ENDS | | |
Lingering warmth and late-blooming gardens remind us that summer isn’t quite ready to let go. As the equinox approaches, we’re beginning to feel the first hints of fall — a welcome shift toward autumn’s rhythm. September brings a natural shift with cooler mornings, changing leaves, and a return to routines.
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FALL CLIENT PROGRAM- We will be hosting a complimentary community event focused on what to do after the passing of a loved one. Join us for an engaging evening with a panel of experts who will provide valuable insights and practical guidance to help you navigate the challenging decisions and steps that come during this difficult time.
Thursday, October 23rd 6:30 PM -8:30 PM
Wyman Woods Shelter House
1520 Goodale Blvd
Grandview Heights, OH 43212
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PUMPKIN RUN- AFP is excited to be a sponsor of this year’s Great Pumpkin Run 5K and Tiny Tot Pumpkin Trot on Saturday, October 25, 2025, in Grandview Heights! This fun, family-friendly tradition brings the community together to celebrate health, wellness, and a bit of festive fall spirit. We hope to see you there—costumes encouraged!
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THE WOMEN'S $ CIRCLE- Our next Women’s $ Circle meeting will be on Wednesday, November 6 at 6:30 PM. Come connect in a supportive space for women to build financial confidence and learn simple strategies to earn and redeem credit card rewards.
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HAPPY BIRTHDAY AFP!
Alexander Financial Planning is celebrating 28 years this week! It has been an honor and a privilege to serve so many incredible people over the years. We’re excited to continue supporting our valued clients and to welcome new ones who join us along the way. Thank you for being a vital part of our journey.
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Click below to read our September 2025 Blog edition.
What Needs to Happen When a Loved One Dies?
We would enjoy receiving your feedback on our Blog. Please share any comments or suggestions for future topics with us via email.
| | | | Even though it has been pretty warm lately, the shift to Fall is in the air. With it comes attending the last outdoor concerts, festivals, and my grandson’s sports events. We went to the Ohio Pawpaw Festival last weekend and had a great time walking around, drinking herbal tea, and listening to music. Choir practices have started up again, and it's been fun to reconnect with my choir mates. I’ve been incrementally increasing my running on the weekends to get ready for the Columbus ½ Marathon on October 19th.. | | | | | We were fortunate enough to be able to end the summer with a few cookouts with friends and family. My brother-in-law, who’s a chef, grilled the best fish, chicken, and pork tacos I’ve ever had. We roasted hot dogs and marshmallows over our fire pit, and it all seemed a fitting end to Summer. Ellie continues to do well in school and in Cross Country – she had great times in her opening two races in Circleville and her home race. Ainsley has restarted her piano lessons after a short summer break. She doesn’t always enjoy practicing, but she loves being able to play the piano. | | | | | Our calendar has been packed with events including a few outdoor amphitheater concerts, one of which was opened by The Sweet. Hearing those old 70’s songs was a thrill! Two events were in support of our kids. The first was a Polo Match played at Bryn Du Mansion in Granville, Ohio. The PANL Open was sponsored by PANL Homes, owned by our son and daughter-in-law. They are learning to play polo with the Play Polo Club and participated in the match. The second was a Glow-Golf event supporting Cincinnati Broomball, an organization our daughter belongs to. Glow Golf is played at night with lighted golf balls. The tee boxes, greens, and holes are marked with led lights. It is great for a player (like me) with limited skills since the illuminated golf balls are easy to track and hard to lose. With all this fun coming to an end, it’s time to dust off the lawn rakes. | | | | | As September has unfolded, I have tried to my best to get in the fall spirit, despite the summer temperatures. As a pumpkin spice enthusiast, I have been sampling the seasonal drinks as well as working on recipe testing a variety of pumpkin desserts, much to the benefit of my roommates. So far, the overall favorite has been a white chocolate chip pumpkin streusel cookie. I am looking forward to going apple picking and breaking out some of my sweaters going into the next month. | | |
Current Economic and Investment Information | | |
FEDERAL RATE CUT: On September 17, 2025, the Federal Reserve cut interest rates by 0.25%, its first reduction since December 2024. The Fed cited moderating growth, slower job gains, and elevated inflation as reasons, noting increased downside risks to employment. One member dissented, favoring a larger 0.5% cut. (Source: Federal Reserve)
WEAKEST MONTH: September has consistently been the S&P 500’s worst-performing month. Since 1928, it’s averaged a 1.17% decline, and over the past 25 years, losses have averaged 1.5% with gains less than half the time. (Source: Bespoke)
CHANGING OF THE GAURD: Home prices in June climbed 4% year-over-year in cities like New York, Chicago, and Boston, fueled by tighter inventory in the Northeast and Midwest. Meanwhile, former hot spots in the South and West, including San Francisco, Dallas, and Tampa, posted year-over-year declines. (Source: S&P CoreLogic)
UNEMPLOYMENT EXCEED JOB OPENINGS: For the first time since April 2021, unemployed workers outnumber job openings. In July, openings fell to 7.18M from 7.51M earlier this year, while unemployment climbed to 7.24M from 6.89M. (Sources: Yahoo! Finance, BLS)
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In 2023, the U.S. spent a staggering $4.87 trillion on health care. Nearly a third of that went to hospital care (31.2%), followed by physician services (14.8%), other personal health care (16.5%), and prescription drugs (9.2%). This breakdown highlights how health care dollars are distributed across different services and sectors—shedding light on where our health care investments are concentrated.
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10 Big Medicare Changes in 2026: Higher Premiums, Drug Price Drops, and Looming Program Cuts
By Jeanine Skowronski
Source: Investopedia
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Hold onto your wallets — big changes are coming to Medicare in 2026. Premiums and deductibles for Parts B and D are projected to jump (some into double digits), while new cost-cutting measures could lower certain drug prices. These shifts could seriously affect both your coverage and your budget. With open enrollment starting October 15, it’s more important than ever to understand what’s changing and how to prepare.
Click here to read this article.
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How to Get Parents' Medical Records
By Medical News Today
Source: Medical News Today
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We often think about accessing our adult children’s medical records — but what about the other way around? As parents age, they may need extra help navigating healthcare, yet we rarely plan for how to access their records when it matters. This article explains how parents can grant you permission through a HIPAA release form — and what legal steps are needed if they can’t consent themselves.
Click here to read this article.
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Do you know someone who can benefit from FINANCIAL PLANNING?
At Alexander Financial Planning, we are passionate about financial life planning. We also know that it is not just about the numbers. While numbers are important, they are there to support your hopes, dreams, and desires. When we can put all the components of financial planning together, (cash flow, insurance, investing, taxation, and estate planning) your unique picture of a path forward comes into view. For 28+ years, we have been helping individuals and families develop their plan and navigate the twists and turns each year.
Whether you’re planning for retirement, becoming an empty nester, or navigating how to take retirement distributions, we are your thinking partner. We are here to make sense of it all, one step at a time. If now is the time for you or someone you know to get serious about your financial future, contact us. We’d love to be of service.
WHAT SETS US APART
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"There are only two ways to live your life.
One is as though nothing is a miracle.
The other is as though everything is a miracle."
- Albert Einstein
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Alexander Financial Planning | |
3600 Olentangy River Rd, Ste. C2
Columbus, OH 43214
614-538-1600
Office Hours:
Monday–Thursday: 9:00 AM – 5:00 PM
Friday: 9:00 AM – 3:00 PM
Registered Investment Advisor
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This material is distributed by Alexander Financial Planning, Inc., (AFPI) and is for information purposes only. Although information has been obtained from sources we believe to be reliable, we do not guarantee its accuracy. It is provided with the understanding that no fiduciary relationship exists because of this report. Opinions expressed in this report are not necessarily the opinions of AFPI and are subject to change without notice. AFPI assumes no liability for the interpretation or use of this report. Financial planning, investment conclusions, and strategies suggested in this report may not be suitable for all investors and consultation with a qualified advisor is recommended prior to executing any investment strategy. No portion of this writing should be construed as legal or accounting advice. All rights reserved. | | |
© Alexander Financial Planning, Inc. | |
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