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You wake up at 3 a.m., and your mind is suddenly racing. Deadlines. Conversations. That one thing you forgot. This is very common. In the early morning, often around 3 or 4 a.m., your brain naturally increases cortisol, a stress hormone that helps prepare you to wake up. That biological shift can feel like a surge of urgent thinking. Thinking at 3 a.m. is rarely your most reliable thinking. It does not mean something is wrong. Your brain is transitioning toward wakefulness.

As we step into a new year, we want to begin by extending our sincere thanks for your continued trust and partnership. Each January offers a fresh start—a moment to reflect on the progress we’ve made and the goals we’re striving toward. It’s a time of renewed focus, renewed energy, and renewed commitment to building a secure and meaningful financial future.

Medicare scams have not only become increasingly sophisticated but are on the rise—just in time for the program’s annual Open Enrollment period which runs from October 15 through December 7, 2025. Below are tips from the Centers for Medicare & Medicaid Services (CMS) to help beneficiaries and their loved ones protect against scams and medical identity theft.

OBBA Updated Tax Rates & Deductions One key feature in the One Big Beautiful Bill Act is the extension and revision of some of the tax laws that were part of the 2017 Tax Cuts and Jobs Act (TCJA). Here’s a quick summary of the three changes we found the most interesting: Extension of Tax Rates The bill extends the current tax rates of 12 percent, 22 percent, 24 percent, 32 percent and 37 percent, respectively. If the TCJA expired, the rates were scheduled to revert back to 15, 25, 28, 33 and 39.6 percent.

"25 Years Strong, Thank You for Being Part of Our Journey” SAVE THE DATE - September 11th 2025 We’re celebrating a major milestone – 25 years of guiding our clients to financial success and security! Join us for an exclusive event featuring Dr. Marc Milstein, a renowned expert in brain health, aging, and wellness. Date: Thursday, September 11th 2025 Location: Governors Inn, Wakefield St. Rochester NH 6:00pm

"25 Years Strong, Thank You for Being Part of Our Journey” SAVE THE DATE - September 11th 2025 We’re celebrating a major milestone – 25 years of guiding our clients to financial success and security! Join us for an exclusive event featuring Dr. Marc Milstein, a renowned expert in brain health, aging, and wellness. Date: Thursday, September 11th 2025 Location: Governors Inn, Wakefield St. Rochester NH 6:00pm