Summer brings sunshine, family fun, and a chance to step back and reflect. While you enjoy the slower pace of the season, it’s a great time to check in on your financial goals.

Are your spending habits still aligned with your long-term plan? Have your priorities shifted? Are you prepared for back-to-school costs or unexpected financial disruptions?

This month’s newsletter includes timely tips to help you enjoy summer without breaking your budget, awareness reminders to help you plan ahead, and a spotlight on one of the most overlooked aspects of financial planning: disability insurance.

Let’s make the second half of 2025 even stronger than the first.

—Robert Freitas

Smart Summer Spending Tips

Stay on Track without Missing the Fun

Summer is a season of sunshine, family adventures, and unforgettable moments — but it can also come with extra expenses. Whether you're planning a getaway, tackling back-to-school shopping, or simply enjoying more outings and activities, it’s important to manage your spending wisely so your financial goals stay on track.

Here are a few practical ways to enjoy the season while staying financially focused:

🔹 Set a Seasonal Budget

Create a dedicated summer budget that includes travel, entertainment, and dining out. By defining your limits ahead of time, you can make more intentional choices and avoid financial stress later.

🔹 Look for Low-Cost Adventures

Some of the best summer memories don’t require spending much at all. Explore local parks, attend free community events, or host a backyard cookout with friends and family.

🔹 Shop Smart for Back-to-School

Start early and take advantage of savings opportunities — especially during South Carolina’s Sales Tax Holiday, August 1–3. Many school supplies, clothing items, and electronics will be tax-free during this weekend, making it the perfect time to stock up. Planning ahead and spreading out purchases can help you avoid the last-minute spending crunch.

🔹 Plan Ahead for Travel Expenses

If you're hitting the road or catching a flight, booking in advance and using travel rewards can help keep costs down. Also, consider travel insurance or setting a fixed spending limit for daily expenses.

🔹 Revisit Your Financial Goals

Summer is a great time to check in on your long-term goals. A quick review of your savings plan, investment strategy, or retirement path can ensure you're still headed in the right direction — and allow for adjustments if needed.

📞 Have questions about budgeting, goal setting, or investment strategy? Let's talk. We're here to help.

Schedule a Call or Meeting Today

July Highlights & Awareness Days

🎆 July 4 – Independence Day

As we celebrate our nation’s freedom, it’s a good time to ask: what does financial independence mean for you?

🛍️ August 1–3 – South Carolina’s Tax-Free Weekend

Back-to-school shopping is just around the corner. Plan ahead and save on clothing, school supplies, and electronics by taking advantage of the state’s sales tax holiday.

📅 July 26 – National Disability Independence Day

This day commemorates the signing of the Americans with Disabilities Act—and serves as a reminder of the importance of income protection strategies (see our spotlight below).

Service Spotlight

Protecting Your Income with Disability Insurance

A short-term illness or long-term disability can have a devastating financial impact. Disability insurance is a key component of a comprehensive financial plan—but it’s often overlooked.

Whether you're still working or preparing for retirement, it's important to understand your coverage options, including employer-provided plans, individual policies, and supplemental strategies. Let’s make sure your income is protected—so your financial independence remains secure, no matter what life brings.

📞 Schedule a time to review your insurance protection today.

Schedule an Insurance Review

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners, Ltd. and Freitas Wealth Management Group are separate entities from LPL Financial.

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