November 2025

Clients and Friends of The Center,

Welcome to our November newsletter! As the year winds down, it’s a natural time to pause, reflect, and look ahead. Whether you're reviewing your goals or gearing up for the holiday season, we’re grateful to be part of your journey and excited to share some timely updates and opportunities with you.

Our annual webinar on Year-End Tax Planning Opportunities, scheduled for November 20th, is a time to discuss key reminders, takeaways, and potential opportunities to help you and your household stay organized before the new year. Be sure to register using the link below! We also invite you to explore our latest blogs, including our Q3 2025 Investment Commentary, the 2026 Social Security and Medicare Updates Announcement, and Why Retirees Should Consider Renting.

We're thrilled to share that we're partnering with Brilliant Detroit once again this gift-giving season! We'll be collecting books for children in need, which you can either drop off in person OR purchase online to be delivered to The Center for your convenience. Use this link to shop from the list of items we've put together.

Don’t miss our Snapshots section for a behind-the-scenes look at exciting team updates, recent activities, and other highlights we’re excited to share.

Have a wonderful month!

Your Center Team

Upcoming Webinars

Year-End Tax Planning Opportunities Webinar
Thursday, November 20th

11:00 AM-12:00 PM

As 2025 winds down, it's the perfect time to reflect, regroup, and prepare for the year ahead. Presented by Michael Brocavich, CFP®, MBA, and Bob Ingram, CFP®, this webinar will highlight key reminders, takeaways, and potential opportunities to help you get organized. Together, we can stay proactive and make necessary adjustments to keep your financial wellness on track in 2026!

Why Retirees Should Consider Renting

By Nick Defenthaler, CFP®, RICP®

Think renting is a waste of money in retirement? Think again. From flexibility to tax-free equity, there are plenty of smart reasons retirees might choose to rent instead of buy.

READ MORE

A Quarter of Records and Resilience in Markets

By Mallory Hunt

The third quarter of 2025 will be remembered as a historic chapter in the ongoing bull market, and a potential turning point in the post-pandemic economic cycle by offering fresh momentum heading into the final stretch of the year. Read the full breakdown of this pivotal quarter:

READ MORE

Q3 2025 Investment Commentary

By The Center Investment Department

The third quarter of 2025 was one for the record books, as the S&P 500 hit new all-time highs 23 times during the quarter! Explore the full market breakdown and insights in our latest blog:

READ MORE

2026 Social Security and Medicare Updates Announced

By Kali Hassinger, CFP®, CSRIC®

Social Security benefits will increase by 2.8% in 2026. If you're wondering how this affects your personal situation—whether you're working, retired, or somewhere in between—we're always here to help.

READ MORE

Matt T. Wrote a Book!



Our very own Matt Trujillo has authored Champion Chess Presents: Ready for the Reti?!—a strategic guide to playing White, combining over 20 years of chess expertise with data-driven analysis of Master-level games. Matt was inspired by Lauren Adams and The Center’s publishing efforts with its own book, Finding Your Center.

Nick V. Passes Series 7 Exam

Congratulation to Nick Valente for recently passing the Series 7 Exam. This test is required for entry-level professionals to demonstrate competency in selling most

types of securities. Way to go, Nick!

Center Team Members

Attend FPA Symposium

Center team members recently attended the FPA Symposium in Grand Rapids, hearing from industry-leading speakers and participating in numerous networking opportunities, while fostering knowledge sharing and collaboration.

November Center-Versaries

Check out our November Center-Versaries!

Amanda Toia - 15 years on the 22nd

Kelsey Arvai - 6 years on the 22nd

New Episode of

Cents & Sensibilities

Tim Wyman and Rod Meloni are back with a new episode of Cents & Sensibilities, talking about the importance of wills and trusts. Watch the latest episode HERE!

Nick D. & Bob Ingram

Speak on Fox 2 News

Have you seen our Center stars in action lately? Nick Defenthaler and Bob Ingram were both featured on Fox 2 News to discuss Fifth Third Bank buying Comerica and the ongoing government shutdown. Check out their segments HERE and HERE!

Kacy Wyman Celebrates Ten-Year Transplant Anniversary

Tim Wyman's daughter, Kacy Wyman, recently celebrated a special milestone - 10 years since receiving a kidney from her dad. Click HERE to read more about the "Kidney Anniversary" celebration their family hosted.

At The Center, we take pride in our core values that guide us in serving clients. We believe that our values are imperative to the work we do, and we want to recognize and celebrate team members who have exemplified them.

This month, Rachel Breuer was recognized for Teamwork & Collaboration for assisting with backing up a team member while they were out of the office. Congrats, Rachel!

Notifications

Our office will be closed on Thursday, November 27th and Friday, November 28th in observance of the Thanksgiving holiday. We look forward to replying to any messages when we return on Monday, December 1st!

The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of the authors and not necessarily those of Raymond James.

You should discuss any tax or legal matters with the appropriate professional.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.