Tom Giunta, Financial Planner

Consider this your benefits enrollment check-in. 👀📋

September is a great time to take another look at the benefits you may have put on autopilot:
→ Retirement contributions
→ Insurance elections
→ HSA/FSA contributions
→ Employer benefits + perks

Because that box you checked last year? It might not be the best fit for where you are this year. A few small adjustments now could make a meaningful difference for your long-term financial goals.

Need help looking at the bigger picture? Connect with Cove Financial to make sure your benefits are working alongside your financial strategy — not separately from it.

Check out LPL Financial Research's Weekly Commentary on the market: "What's Holding Up Record Margins?"https://static.fmgsuite.com/media/documents/97aaf834-e042-444e-86eb-7e95e6028f62.pdf

Prepare for what’s next.

The final months of the year are the perfect time to check in on the financial goals you set at the beginning of the year.
Have your priorities changed? Have you experienced a major life event?
Are you still on track toward your savings, retirement, or investment goals?

Financial planning isn’t about creating a plan once and forgetting about it. It’s about revisiting that plan as life evolves and making adjustments when needed.

A thoughtful financial review today can help you step into the new year feeling more prepared, more confident, and ready for whatever comes next.
Okay? Okay. 💰

Markets pushed higher in August as AI-driven optimism helped investors look past softer economic data. The S&P 500 gained 2.62% and the S&P/TSX Composite rose 2.96%, even as softening retail sales kept consumer spending in focus. Back-to-school season adds another data point to that story, with spending expected to reach \$146.8 billion in the U.S. and \$4.5 billion in Canada this year.

Monthly Market Insights | September 2026 The Standard & Poor’s 500 Index advanced 2.62 percent, while the Nasdaq Composite rose 3.93 percent. The Dow Jones Industrial Average lagged, adding 1.34 percent. The S&P/TSX rose 2.96 percent.1,2

When real estate and financial planning are coordinated, decisions tend to feel more intentional.

For many Florida households, real estate represents a significant portion of overall wealth. Vacation homes, rental properties, and long-term appreciation can all influence financial planning decisions, from tax-efficient investing to estate planning strategies and liquidity management. We work together with your tax and legal professional.

🔗 Visit us at: www.cove.financial
📩 Send us a DM to schedule a consultation today!

Check out LPL Financial Research's Weekly Commentary on the market: "What History Says About Fed Hikes and Stocks". https://static.fmgsuite.com/media/documents/9a071a37-9e1e-4c8d-91c7-0ffb26a3195e.pdf

Your life has changed. Has your financial strategy kept up?

New job. Growing family. Business wins. New home. New priorities. And that’s before we even get into markets, interest rates, and tax laws. A strategy built for you five years ago might not make sense for the life you’re building today.

That’s why financial planning shouldn’t be “set it and forget it.” Regular check-ins give you a chance to adjust what’s changed, plan for what’s next, and make sure your money is still aligned with what matters most.
Because the goal isn’t to predict every plot twist. It’s to have a strategy that can move with you. 📈

When was the last time you gave your financial strategy a refresh? Connect with the team at Cove Financial to start the conversation.

🏡 Plot twist: selling your home isn’t just a real estate decision. It’s a financial one.

Yes, the sale price matters. But so does the potential tax impact, and what you plan to do with the proceeds.

Buying again? Downsizing? Investing? Putting the money toward your next big goal? Having a strategy before the “SOLD” sign goes up can make a major financial transition feel a lot more intentional.

Thinking about making a move? Your financial plan is a good place to start.

Check out LPL Financial Research's Weekly Commentary on the market: "Signs Point to a Normalization, Not a Crisis". https://static.fmgsuite.com/media/documents/0a8e095d-26db-4c5c-8028-5f14e2b97921.pdf