M&M Wealth Advisory

As 2024 wraps up, it's a great time to reflect on what we've learned and prepare for the year ahead. 💡 My Take: 1️⃣ Market Volatility: Strong overall performance, but with plenty of ups and downs—highlighting the value of staying focused on long-term goals. 2️⃣ Fed's New Direction: Rate cuts to support the labor market have wide-reaching effects, proving how impactful the Federal Reserve's impact is on financial markets. 3️⃣ AI's Rise: The rapid adoption of AI has reshaped industries, driving both opportunities and challenges for investors. 4️⃣ Global Events & Market Sentiment: Unexpected events can quickly sway markets, underscoring the need for adaptable strategies. 2025 will be a year of both new opportunities and challenges. Staying informed will, of course, be key to making the most of what lies ahead. We’ll do our best to continue to share insights and keep you updated as events unfold. #PersonalFinance #2025Outlook #InvestmentStrategy #AI #Markets #FinancialGoals Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners and M&M Wealth Advisory are separate entities.

Ever wondered if you've left money behind in old retirement accounts? You're not alone! It's possible that you could uncover forgotten retirement money from previous employers. How? By reaching out to your past workplaces. 👉🏽 Take action: 1. Review your resume to help make a comprehensive list of all your past employers 2. Create a form letter requesting information about potential retirement accounts 3. Send the letter to HR departments or plan administrators of each former employer 4. Contact them to follow up Remember, it's YOUR money. Don't let it get lost in the shuffle of life's changes. Have you ever rediscovered a forgotten account? Share your story below! 👇 #RetirementStrategy #FinancialWellness #HiddenMoney Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners and M&M Wealth Advisory are separate entities.

TRUE or FALSE . . . Healthcare costs are one of the largest expenses most retirees will face. 💯 It is TRUE! Healthcare is often a significant and inadequately projected expense. Many people wait until retirement to understand their healthcare options, often because they’re accustomed to employer-sponsored plans. This delay can lead to inadequate savings and uncertainty about covering these significant expenses. 💡 Key Considerations, according to a 2024 study by Fidelity: • Healthcare costs continue to outpace general inflation, driven by longer lifespans, medical advancements, and increased demand. • Medicare starts at age 65, but it has gaps that necessitate considering supplemental insurance for broader coverage. • Home healthcare and nursing facilities can be costly. Strategies that anticipate extended care can help. • Documents like a medical power of attorney and living will are critical to managing healthcare decisions and letting your wishes be known. My Take: Healthcare options are often complex and confusing, so early preparation is key. A well-structured strategy can help you remain prepared and informed throughout retirement. #RetirementStrategy #HealthcareCosts #FinancialWellness #Medicare #PersonalFinance Sources: https://lnkd.in/exDNFaYE https://lnkd.in/eSQ3utMg Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners and M&M Wealth Advisory are separate entities.

Legacy is more than financial assets—it’s the values, traditions, and memories we pass down, the pieces of ourselves that live on. For many, this time of year can also bring the weight of loss and the absence of loved ones. Yet, the true power of a legacy is in how it continues to shape us, even when those who created it are no longer here. Here are a few ideas families have shared that may inspire you to start some new traditions: 📚 Family Recipe Book: Collect cherished family recipes and print them in an 'Official Family Recipe Book.’ 🤝 Annual Family Reunions: Gather regularly at a favorite spot to strengthen bonds and create lasting memories. 🎁 Volunteer Together: Each Christmas, pick a family in need of support and teach the value of giving back. 🍪 Holiday Crafting or Baking: Bake the same sweets or craft ornaments each year to create tangible memories. The most important legacies are built on love, traditions, and unforgettable experiences—those precious pieces that live on beyond us. What traditions do you hope will continue with future generations? #Legacy #FamilyTraditions #HolidaySeason Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners and M&M Wealth Advisory are separate entities.

💰 Financial planning isn't just about investments - it's about working toward improving your wealth AND health. Did you know smoking doubles your heart attack risk? On top of the health costs, those cigarette expenses could be growing in your retirement account instead. The good news: quitting smoking cuts your heart attack risk in half within 2 years. Your wallet (and heart) could thank you! 🫀 Read more about smoking's impact on heart health: https://lnkd.in/esAWDFd6 Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners and M&M Wealth Advisory are separate entities. #FinancialHealth #HeartHealth #WealthBuilding

🔄 2025 IRS Update Alert! Your workplace retirement contribution limits are getting a boost. Here's what you need to know: ↗️ Basic limit: $23,500 ↗️ Age 50+ catch-up: $7,500 ⭐ NEW! Ages 60-63 super catch-up: $11,250 What this means: If you're between 60-63, you could contribute up to $34,750 in 2025! These increased limits will apply to most workplace retirement accounts, including 401(k)s, 403(b)s, and government TSPs. While IRA limits remain at $7,000 ($8,000 if you're 50+), this extra room in workplace accounts opens up new possibilities for your retirement strategy. Just keep in mind that employers will need to opt in to offer the super catch-up provision. #RetirementSavings #IRSUpdates #FinancialFuture #Retirement2025 Source: https://lnkd.in/etVPMp6b Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners and M&M Wealth Advisory are separate entities.

🚶♀️ Daily walks are a fantastic way to boost your physical and financial wellness! When weather makes outdoor walking risky, try: - Mall walking - Indoor tracks at community centers - Home treadmill - Marching in place while watching TV - Walking up and down stairs - Using resistance bands while seated Remember: movement matters more than the method. Your health is your greatest asset! #FinancialWellness #HealthyHabits Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners and M&M Wealth Advisory are separate entities.

Menopause and heart health are connected more than we might think, with hormone therapy showing benefits. So, why the decline in its use? **Insights:** - 🩺 Hormone therapy reduces insulin resistance and improves heart health for menopausal women. - 🌡️ Beyond heart health, it eases hot flashes, sleep issues, and other symptoms. - Despite benefits, hormone therapy use dropped from 27% in 1999 to below 5% in 2020. - ❗ Lingering concerns from past studies have shaped attitudes and policies around hormone therapy. - 🔍 Recent research highlights nuanced risks associated with different types of therapy. - 🧴 Local estrogen treatments, despite warnings, show significantly lower risks. - 🤔 Decisions on hormone therapy hinge on symptoms, health risks, and personal views on aging. Understanding these findings helps us make informed decisions about our health as we age. Life isn't a one-size-fits-all experience, and neither is managing menopause. As we navigate these personal decisions, it's crucial to weigh the evidence and consult with healthcare professionals. What are your thoughts on how research like this shapes your approach to health? #HealthMatters #AgingGracefully #InformedDecisions https://lnkd.in/ead9rgSf

This November, let's come together to celebrate and recognize what has been offered by our veterans and military families. 🎉 They have selflessly served our nation, protecting our freedoms and ensuring our safety. 🎗️ Join us in showing appreciation and love for these incredible individuals and their families throughout National Veterans and Military Families Month! ❤️ #NationalVeteransandMilitaryFamiliesMonth #Veterans #MilitaryFamilies

💁🏽♂️ Your Financial Health Tip of the Day! Just like diversifying your portfolio balances risk, diversifying your nutrition connects to your long-term health (and wallet)! According to a WebMD article on high-fiber foods, adding more fiber to your meals makes good sense. Not only does it help you feel satisfied longer (meaning less spending on snacks!), but research shows links to lower rates of type 2 diabetes and colon cancer. Budget-friendly fiber boost? Think beans, lentils, oats, apples, and your favorite whole grain bread. These kitchen staples pack both nutritional and financial value! As a financial advisor, I see how healthcare costs affect retirement savings. Small, thoughtful choices today relate to both health and wealth outcomes tomorrow! 💪🏽 #FinancialWellness #HealthyLiving #WealthAndHealth Source: "High-Fiber Foods" - WebMD, reviewed by Dr. Poonam Sachdev (July 2023) Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners and M&M Wealth Advisory are separate entities.