You've likely heard about the "One Big Beautiful Bill Act," which was signed into law on July 4, making many of the 2017 Tax Cuts and Jobs Act provisions permanent. Given the bill's length (887 pages) and complexity, we wanted to help...

A growing number of families are reconsidering their approach to estate strategy. While wills and trusts have traditionally handled wealth transfer at death, more individuals are incorporating lifetime gifting as a strategic element...

Please note that our office will be closing early tomorrow, Tuesday, August 5th, 2025, at 11:30 AM for a team event. Rest assured, any voicemails and emails received during our closure will be returned promptly on Wednesday. We...

We’re halfway through 2025 (how did that happen so fast?), and since many of you ask how things are going at PFA, I wanted to share a quick update. There’s a lot of good stuff happening, so I’ll try to keep it brief—but there are many...

We hope your summer’s going well! We wanted to give you a quick update on some recent adjustments/trades we’ve made in our investment models. In just a few short months, we saw the markets take a 20% dip and then follow that up with a...

We are thrilled to announce our Client Portal App is Now Live. This will allow you to more easily access the Presper Financial Client Portal hosted by Advyzon. To get started, simply search for Presper Financial Architects in the iOS...

2025 has definitely been a whirlwind in the stock market, but we’re pleased to see some positive movement in the last couple of months. As we stand today, our PFA investment models are generally positive year to date, which is quite a...

Markets test our patience. Whether due to political noise, economic shifts, or sudden volatility, it’s easy to wonder: Is now the time to rethink my strategy? As your financial professional, part of our job is to monitor market...

It’s graduation season, a time of celebration and new beginnings. This time can bring excitement and uncertainty for families with college seniors. While some graduates have jobs lined up, others still are navigating job searches...

Your tax return is more than just numbers—it’s a roadmap to smarter financial decisions. Every tax return is unique, offering insights into how effectively your financial strategy is working for you. A professional review might help...

If you’ve ever wondered whether buying a vacation home or continuing renting makes more sense, you’re not alone. The decision isn’t just about finances; it’s about lifestyle, flexibility, and long-term goals. So, is buying the right...

Presper Financial unveils a refreshed website and celebrates team milestones—Wayne earns CFP® certification and Dave achieves FPQP® status. Visit presperfinancial.com to explore the updates!

We reallocated funds from SWVXX to EFA in most models, adding exposure to developed international stocks. This was funded by selling NFFFX. The move aligns with market trends.

We sold a core bond position and moved to a money market fund to protect against potential bond market turbulence. We'll stay in this safe position until the bond market stabilizes or we find a good stock investment opportunity.

We adapt our investment strategy based on new information. We made2 key changes, reallocated from international stocks to a money market fund and shifted to the Consumer Staples sector for stability. We're here to support our clients.

Recent market volatility can be unsettling. Despite alarming headlines, markets eventually recover. Our diversified strategy is designed to weather such storms. Turn off the news, enjoy time with loved ones, and stay patient.

April is Financial Literacy Month. Assess your financial strategy. Review tax returns, optimize cash, consolidate accounts, check beneficiaries, and protect against identity theft. Small steps can improve financial wellness.

It’s been an eventful start to the year. While the markets have experienced some volatility and uncertainty, we remain optimistic. News headlines have certainly kept us on our toes, with discussions around tariffs, DOGE, inflation, and...

Our investment committee met recently, and we wanted to share some of our current thoughts with you. There has been a flurry of news in the last couple of weeks with the recent administration change, the market shock of China’s AI tool...

Inflation has enhanced some key values we track as financial planners. It has affected income taxes, retirement savings maximums, income limits, and more in a positive manner. Below is a summary of thresholds we think are important to...

When it comes to retirement, Social Security and Medicare are often misunderstood or underestimated. But the truth is that both can play a vital role in your financial strategy, no matter your income level or net worth. Here are some...

According to a Pew Research Center survey, 30% of Americans reported making at least one resolution for the year at the beginning of 2024, with half of this group making more than one.1 What types of resolutions do people make? In 2023...

Markets hit record highs, boosting holiday cheer. Strong profits and spending fuel growth. Presper’s models outperform, with no short-term changes planned. Stay positive and enjoy the ride!