Your Monthly CURator

Hello Marianna,

My team and I have been reminiscing about our party’s success and thank you to everyone who attended, we appreciate you endlessly for braving the storm to celebrate with us!

We had a fantastic Sunday celebrating with all of you and cannot wait to celebrate 10 years next year!

To shoutout those local businesses who helped our event go off without a hitch, check out the following for your next party:

Tre Fratelli Catering – One of our favorite local restaurants and a lunch go-to in our office 😊

Caketeria (Newtown) - Created delicious cupcakes for our party, a great local bakery!

Magic by Jared - Jared’s magic was wonderful and we’re still scratching our heads trying to figure out just how he did that.

Thank you again for joining me to celebrate our successes together. Over the last nine years, we’ve laughed together, cried together, and have conquered many obstacles as a team. I appreciate your trust and treasure the relationships that we’ve built. As always, if you need anything, don’t hesitate to reach out-- my team and I are happy to help however we can.

Please take note of another CURO virtual event on Thursday, October 26th, 2023. We’ll be hosting a Long-Term Care webinar with our insurance partner, AshBrokerage. Please save the date and use this link to register .

Now, back to the news. This month’s newsletter features a short Video Commentary on the market in September by Brad McMillan, Commonwealth’s Chief Investment Officer.

October is also Estate Planning Awareness Month, and the articles below are meant to guide your thinking when working with your Estate Attorney to ensure your wishes are followed through. Reach out with any questions and for ideas on how your estate should be structured.

As always, wishing you health, wealth, happiness, and this month- a Happy Halloween! 🎃

Until next time,

Marianna

Our Purpose Is Simple:

To help you curate a wealthy life, and achieve the financial balance and independence for which you strive.

Insights From Our CIO: Market Thoughts

October 2023

Brad McMillan, Commonwealth’s CIO, recaps September’s market and economic news. U.S. indices were down for the second consecutive month, with the Nasdaq doing the worst. International markets pulled back, and fixed income was also down. That said, job growth remained healthy, consumer confidence and spending grew, and business investment came in strong. And while the political worries are settled for the moment, the interest rate problem remains. Will the Fed’s hike cycle end soon? Stay tuned to find out. Follow Brad at blog.commonwealth.com/independent-market-observer.

Listen Here

Do I Need Estate Planning?

Everyone needs an estate plan, no matter the size of the estate. An estate plan helps carry out your wishes after your passing and benefits you while you’re living. It can prove invaluable in easing the administrative burden for your family and friends during a time of emotional distress. Read this article to familiarize yourself with Key Terms and Concepts before meeting with your Estate Attorney.

Read All About It

Wills and Family Inheritance:

‘Per Stirpes’ v. ‘Per Capita’ Explained

Estate planning is a reflection of your values, priorities, and love for your family. The decision between per stirpes and per capita distribution is a pivotal component of this planning, one that can impact the lives of your beneficiaries for generations to come. Check out this article to know the difference.

Learn More

Have You Prepared Your Advocates?

Estate planning includes selecting and naming advocates in your key health and estate documents. But are your advocates truly prepared to make decisions on your behalf? Read this article to strategize for preparing your advocates. It’s an overwhelming but important conversation that should be had sooner rather than later.

Read Here

Other Articles from curowm.com that you might find helpful:

Where to Start When Your Child Has Special Needs

Q&A with a CDFA: The Basics to Divorce

Common Tax Traps Involving Life Insurance

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Member FINRA/SIPC, a Registered Investment Adviser.

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