When was the last time you checked your beneficiary designations? They often override what’s written in your will. Divorces, births, and deaths are easy to forget to update.

Business owners: before the year closes, look at where your profit stands. A strong year or a slow one can change which planning moves make sense. Worth a conversation with your advisor and CPA while there’s still time to act.

Estate planning involves more than deciding who inherits your assets. It can also determine who manages your finances, makes health care decisions & receives assets. Misunderstanding how the pieces fit together can lead to unintended outcomes. Read more: financeinsights.net/AmZUYV8l…

There are about ten weeks left in the year. That’s not a lot of time, but it’s enough to ask what’s worth doing before December 31. The answer is different for everyone.

Where you retire matters as much as when. A beautiful destination can come with hidden costs and practical challenges. Before you relocate, these five questions are a good place to start... Learn how to evaluate your options: bautisfinancial.com/planning…

If a message pushes you to act now, that’s your cue to slow down. Scammers count on urgency. Pause, verify using a phone number you already trust, and report. Also, a question worth asking about your insurance: does your policy cover identity theft? More: bautisfinancial.com/4-ways-t…

Charitable giving can be more than writing a check. Donating appreciated investments, using a donor-advised fund, or giving directly from an IRA (if you’re eligible) are different approaches with different tax treatment. Ask before you give.

It’s rarely the big decisions that derail a plan — it’s the small, overlooked ones. A thoughtful financial strategy helps you identify the leaks before they become problems. Start here: bautisfinancial.com/discover…

Medicare’s annual open enrollment runs through December 7. Plans and costs can change from year to year. Reviewing your coverage, rather than letting it auto-renew, is worth considering.

Debt is taking a bigger bite out of household finances. New research finds that debt payments consume 52 cents of every additional inflation-adjusted dollar of take-home income earned by a typical worker. Learn what’s driving the trend via @CNBC: cnbc.com/2026/10/16/debt-pay…

Market Recap: The S&P 500 fell 1.95% as concerns about AI funding & rising borrowing costs weighed heavily on technology stocks, which declined 6.4%. Gains in consumer staples, energy & health care helped offset some of the broader market pressure. More: bautisfinancial.com/market-r…

Business owners have more retirement plan options than many realize. SEP, Solo 401(k), cash balance plans. Which one fits depends on your income, your employees, and your goals. Worth reviewing with your advisor and CPA.

Who knows what college will cost in 10-15 years? It could be free. It could be a million dollars a year. The straightforward approach: take today’s cost, apply an inflation assumption, and revisit regularly. Assumptions aren’t guarantees. That’s why we keep checking in.

Found a promising investment opportunity? Take a closer look before putting your money to work... Explore what investors should know about hedge funds and direct investments: bautisfinancial.com/investin…

Q4 is an important time to review your financial to-do list. From tax-loss harvesting and charitable giving to RMDs and open enrollment, now is the time to make sure key deadlines aren't overlooked. Download our Fall 2026 Key Deadlines postcard 👉 bautisfinancial.com/fall-202…

For many business owners, the business is the biggest asset and the least diversified one. It’s worth asking how your personal plan holds up if the business has a bad year.

When debt becomes overwhelming, ignoring it can feel easier than facing it. Barry Levine explains why unanswered creditor calls and unopened collection letters won't make the problem go away — and why recognizing the situation is the first step toward finding a solution.

25 years after Enron's historic unraveling, one investing lesson remains just as relevant: Owning more investments doesn’t necessarily mean you’re diversified. Learn how overlapping investments, company stock & overexposure can put your savings at risk: bautisfinancial.com/what-enr…