Walters Financial Group

💡 January is National Financial Wellness Month. How confident do you feel about your finances? When we think about financial wellness, it often centers on numbers: #️⃣ Account balances #️⃣ Investment returns #️⃣ Debt levels However, true financial wellness is about more than the numbers. It’s about the sense of confidence that comes from having a thoughtful strategy for today and tomorrow. Think of it like your physical health: 👉 Consistent care and proactive preparations 👉 Regular check-ins and adjustments 👉 Partnering with a professional to stay on track It’s not a “set it and forget it” situation. Financial wellness is an ongoing journey, and having support can make all the difference. As the new year begins, consider giving your financial health a checkup. Whether that’s revisiting your retirement strategy, updating your budget, or discussing your goals, investing in your financial wellness now can lead to greater confidence in you and your family’s future. 🎯 #FinancialWellness #MoneyManagement #WealthBuilding #FinancialGoals

📸 Just like photography, personal finance requires perspective, patience, and adaptability: 📌 Focus on what’s important: Prioritize your long-term goals, like retirement, education, or building generational wealth. 🌟 Capture the good times: Celebrate your financial wins and milestones along the way. 🛠️ Develop from the negatives: Learn from market downturns and unexpected challenges, using them to refine your strategy. 🔄 And if things don’t work out, take another shot: Adjust and adapt. Personal finance is a continuous process, and it’s never too late to make improvements. Our firm is here to help clients remain focused and flexible so that they can capture the best opportunities while navigating life’s unexpected moments. Ready to take your next shot at financial success? Let’s connect. ☎️ #Motivation #SuccessMindset #PositiveVibes

Health insurance premiums are climbing at rates not seen in over a decade, according to an October 2024 report in The Wall Street Journal. Here’s what the numbers looked like for 2024 for average Family Healthcare Coverage: Total Premium: $25,500 😮😮 Employer Share: $19,276 👈👈 Employee Share: $6,296 ‼️ What's Changed? Premium costs have increased 7% for the second year running. Although the Wall Street Journal reported that employers have absorbed much of this increase, deductibles continue to rise, especially impacting smaller businesses. What's Different This Time? Unlike other sectors where price increases are cooling, healthcare costs remain elevated due to the following: ✅ Multi-year contract structures ✅ Higher hospital operating costs ✅ Increased labor expenses ✅ Market pressures Looking ahead: As the landscape evolves, keeping an eye on these changes and being open to new strategies will be key to your financial well-being. #Healthcare #Benefits #Economy #Business #EmployeeBenefits

🎉 Did you know only 30% of Americans make New Year’s resolutions? Most resolutions fade fast, but when it comes to personal finance, a thoughtful approach can make all the difference. Here are three practical strategies to kick off your financial year: 1️⃣ 12 Mini-Resolutions: Break down big goals into manageable monthly tasks. January might be the time to review retirement contributions, and February might be the time to update your beneficiaries. Tackling one thing at a time makes it more achievable. 2️⃣ Reverse Resolutions: Focus on what to stop doing. Maybe it’s cutting impulse buys or ending procrastination on certain decisions. Stopping the right habits can be a game–changer. 3️⃣ Risk Management Focus: Consider reviewing your insurance coverage every year. Also, you might want to take a look at extended care options, especially as you approach retirement. Here’s to a year of financial progress and lasting success! #FinancialGoals #Money2025 #WealthBuilding

🎉 Happy New Year! Wishing you a year filled with good health, exciting opportunities, and meaningful moments with those who matter the most. May 2025 be a year of growth, happiness, and fulfillment for you and your loved ones. ✨ #HappyNewYear #NewBeginnings #2025Goals #HealthAndHappiness

🎄Merry Christmas to you and your families! For many, this evening marks the anticipation of Christ's birth–a cornerstone of faith. 🙏 For others, it's about the warmth of family gatherings and the joy of giving. 🎁 Christmas blends profound religious meaning with cherished family traditions–from nativity scenes to festive lights in our neighborhoods, it brings us together in shared celebration. 🎄🏠 Whatever Christmas means to you, may this evening and Christmas day be filled with the warmth of family, whether near or far. #ChristmasEve #HolidaySpirit

Happy Holidays to you and your family! During this festive season, we cherish our most meaningful connections and spread joy throughout our communities. Whatever traditions you celebrate, may your holidays be filled with happiness, laughter, and time spent with those who matter the most. Wishing you and your loved ones a wonderful holiday season and a bright start to the New Year. 🌟 #HappyHolidays #SeasonOfJoy #CommunitySpirit

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

Ever wondered if you've left money behind in old retirement accounts? You're not alone! Recently, we learned about someone who uncovered thousands of forgotten retirement money from previous employers. How? By simply reaching out to their past workplaces. 👉 Take action now: 1. Review your resume to make a comprehensive list of all your past employers 2. Create a simple 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

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