Dear Clients,

Warm temperatures seemed to linger this Fall season but with the leaves changing quickly, we are reminded that change is inevitable, but growth is optional. As we head into the end of the year, take time to focus on what you want to accomplish in these last few months of 2026. And remember that whatever your goals are, our Providence Wealth Advisors team is here to help guide you.

This issue of our Market Message brings you helpful and timely information regarding Social Security retirement benefits, the short- and long-term benefits of Health Savings Accounts, bond market volatility, minimizing taxation of highly appreciated assets, and more!

Our PWA team remains committed to you every step of the way and we are grateful for the trust you continue to put in us every day.

Sincerely,

Doug DeGroot, CFP^® & Your PWA Team

Bond Market Volatility: What Could Higher Yields Mean for Your Money?

A sell-off in U.S. Treasury bonds has pushed longer-term yields sharply higher, with repercussions that could ripple across the economy.

Minimizing Taxes of Highly Appreciated Assets

If the value of your stocks, bonds, or other capital investments has increased substantially, there are a few steps you can take to minimize taxation. These include timing the sale of your capital assets, using capital losses effectively, and passing assets to heirs at your death. In addition, you might consider charitable giving.

Providence Wealth Advisors, LLC ("PWA") is a wholly owned affiliate of Providence Bank & Trust ("PB&T"). The investment products and services offered by PWA are independent of the products and services offered by PB&T and are not FDIC insured, may lose value, are not bank guaranteed and are not insured by any federal or state government agency. Investment products and services are offered by appropriately licensed investment advisor representatives, subject to the general oversight and authority of PWA.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to the firm website, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device is not, and should not be construed in any manner whatsoever, as the recipient of, or a substitute for, personalized individual advice from the firm or from any other investment professional.

EMAIL SECURITY INFORMATION

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Providence Wealth Advisors, LLC

www.providencewealth.com | (888) 927-7387