catch up with AFM's Latest Financial Strategies Newsletter

FINANCIAL STRATEGIES NEWSLETTER

SECOND QUARTER 2025

Sana,

In this quarter's newsletter we lead off with a breakdown of the One Big Beautiful Bill Act and its impact on your taxes. We'll also discuss why international stocks have outperformed U.S. this year, how to handle your digital assets as part of your estate plan and how to protect yourself form the latest scams. Lastly make sure to welcome about our newest employee Rosa Beltran!

The AFM Team

MARKET UPDATE

Markets wrapped up June on a strong note, extending the rally that began in late spring. Despite lingering geopolitical risks, the overall tone remained optimistic as fundamentals continued to support market gains.

DIGITAL ASSETS & ESTATE PLANNING: WHAT HAPPENS TO YOUR ONLINE LIFE?

As our lives become increasingly digital, it’s important to consider what will happen to your online accounts, photos, and digital assets when you’re no longer here. Learn how you can protect your digital legacy, make things easier for your loved ones, and avoid common pitfalls with practical tips and up-to-date legal guidance.

RETHINKING DIVERSIFICATION: THE CASE FOR GLOBAL INVESTING

U.S. stocks have delivered remarkable returns over the past decade, prompting some investors to question the value of holding international stocks. However that trend has reversed so far in 2025, as international stocks outperformed their U.S. counterparts. Learn why relying solely on U.S. stocks could limit your portfolio’s potential.

DON'T GET SCAMMED: SPOT THE SIGNS AND STAY PROTECTED

Scammers are getting smarter every day, but with the right knowledge, you can stay one step ahead. In this article, we’ll share essential tips and resources to help you recognize and avoid the latest scams.

UNDERSTANDING THE ONE BIG BEAUTIFUL BILL ACT

The recently passed One Big Beautiful Bill Act brings sweeping changes to the U.S. tax code, with new opportunities and important updates that could impact your financial planning for 2025 and beyond. In this article, we break down the key provisions and what they mean for you.

AFM NEWS & NOTES

Financial Planning Foundation's 30th Anniversary Celebration
Carl, John, Mitch, and Zak at FPA NCA's Charity Golf Classic
AFM celebrated Administrative Professional's Day
We are proud to announce several individual and firm awards. For more details click on the link below
Read More

NEW EMPLOYEE SPOTLIGHT: ROSA BELTRAN

Please join us in welcoming the newest member of our firm, Rosa Beltran! Rosa joined AFM as a Client Service Associate in May 2025. Prior to joining the company, she worked in the international development field and the non-profit sector, supporting conflict resolution and case management efforts for at-risk youth and families.

A San Diego native, Rosa earned her B.A. in Global Studies from the University of California, Berkeley in 2020. She is passionate about uplifting communities and creating meaningful connections. Rosa relocated to Washington, D.C. in 2024 in search of new professional growth opportunities—which ultimately led her to AFM.

Outside of work, she enjoys discovering great food spots, scenic views, and relaxing at home with her cat.

Favorite food: Adobada tacos

Favorite pastime: Reading with a cup of loose-leaf tea

Fun fact: Rosa took a cross-country road trip from San Diego to Washington D.C., stopping to visit the Grand Canyon on the way!

TAX RETURN REQUEST

If you haven't done so already, please send us a copy of your 2024 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.

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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

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