Winter Safety Tips For Seniors

Kim and Carla have been friends for decades. They like to share ideas oneverything, including investing.Kim confided, Im worried about some of my friends. Theyre anxious aboutinflation, changing interest rates, healthcare costs, and the economy. Im so gladyoure managing my money, Carla!Carla smiled. Thanks! I just maintain a firm safety net under our portfolios thatcurrently reimburses us for a 20% market loss so that we dont have to worryabout what might happen in the future. And we dont have to settle for lowerreturns to reduce risk. We can stay 100% invested for excellent growth becauseof the safety net without the sleepless nights.Kim nodded, I have referred several friends to you, but making a big changecan be intimidating."True, Carla acknowledged, but losing money is scarier. Everything changesrapidly, but with the right protection you dont have to worry about whats next.Its like having an airbag for your investments always there, always ready.As youve always said, Kim grinned, if your portfolio protection is done right,you dont need to care what happens. You have confidence in being protected. Iwish more people would listen to your advice, its worked so well for me!Ready to invest with confidence, no matter what the future brings?Contact me to learn how Safety Net Solutions can improve your finances!MARK FENTON(239) 404-6750 markfenton239@gmail.com GrowthNetSolutions.com

Neighbors Mark and Nancy went out for a walk after dinner as they frequently do.Nancy commented, I appreciate you inviting me to your financial seminar lastweek, I want to learn more about your focus on avoiding losses.Its simple, Mark replied with a smile. As were walking now, do you take a fewsteps forward and then a few steps backwards to move farther along the path?Of course not, you wont get anywhere!He continued, Unfortunately, many investors have portfolios that are stuck inthis exact pattern up and down but not making any real progress. Its not awinning strategy.Nancy recalled something that intrigued her at the seminar. You talked about aportfolio that reimburses you for loss. How does that help?Imagine, Mark explained with some excitement in his voice, that yourportfolio avoids the rollercoaster ride and doesnt lose value when the marketdrops. Then, when the market rises, your account goes up from a higher startingpoint. Doesnt that sound like a better way forward?Mark emphasized, Your account thrives because new gains are actually addedto your portfolio value instead of just offsetting previous losses. Why take stepsbackward when you can leap forward?Nancys expression showed she understood. Thank you! I see now how I wouldbenefit from this. I really can earn more by losing less! Ill call you tomorrow toset it up for myself, and Ill talk to my mom. Growth with a safety net is ideal forher financial security, too.Ask me to demonstrate how this can work for you! Face the future withconfidence you have a partner dedicated to your financial success.Looking forward to hearing from you,MARK FENTON(239) 404-6750 markfenton239@gmail.com GrowthNetSolutions.com

Youve probably seen the headlines everywhere: A sweeping new tax law has just been signed into effect. Its called the One Big Beautiful Bill Act, and it represents one of the most significant overhauls to household finances in years. Think of it like a home renovation: The 2017 tax cuts laid the foundation, and this new law keeps that structure while adding new featuresand tearing out a few that no longer fit. Theres no denying this bill is controversial. Some people love it. Others dont. But politics aside, what really matters is this: how will it impact youyour taxes, your savings, and your financial future? Heres a quick breakdown of some key changes: Tax brackets stay the same for now, but lower income tax rates and higher standard deductions are now permanent. In 2025, the deduction increases to $15,750 for single filers and $31,500 for married couples filing jointly. State and local tax (SALT) deduction cap quadruplesjumping from $10,000 to $40,000 in 2025, with annual increases through 2029. Bigger breaks for seniors: If youre 65 or older, you may qualify for an additional $6,000 deduction, depending on income. New help for families: The Child Tax Credit increases to $2,200, and every baby born between 20252028 will receive a $1,000 Trump Account to help jumpstart their savings. Major changes to student loans: Repayment plans like SAVE and PAYE are being phased out, PLUS loan caps are coming, and the Grad PLUS program ends July 1, 2026. 529 plans are more flexible: They can now be used for K12 tuition (up to $20,000), educational therapies, and more. Temporary perks & disappearing credits: New deductions apply to tipped income, overtime, and U.S.-made car loans, while credits for EVs and clean energy are being phased out. This is a massive piece of legislationover 900 pageswith some changes taking effect immediately and others rolling out in 2026. While the political debates dominate the headlines, the impact is deeply personal. The good news? You dont have to navigate these changes alone. With a law this complex, reviewing how it affects your individual financial situation is critical. Whether its adjusting your savings strategy, exploring new deductions, or planning for future tax breaks, we can help you create a plan that keeps you ahead of these changes. If youd like to talk through what this means for you, lets connect. Warmly, Dianne Odom, CPA, CFS Karen Roberts, ChFC DPO Wealth Management 12500 Brantley Commons Court, Suite ST Fort Myers, FL 33907 239-970-1711