OneCommonwealth Financial Group

🚨 Financial Professionals: Are Your Business Owner Clients Protected?

75% of business owners say benefits help with retention—but what about protecting the business itself if they can't work?

1 in 4 working Americans will face a disability before retirement, yet nearly half of business owners remain unprotected. A well-structured disability insurance plan can:
✅ Replace lost income
✅ Cover fixed expenses
✅ Protect key employees
✅ Ensure business continuity

This is a critical opportunity to educate and safeguard your clients. Learn how:

The Overlooked Risk: Disability Insurance for business owners lifehealth.com

OCEANIA CRUISES® NAMES A COLLECTION OF FOOD & WINE BEST NEW CHEFS AS GODPARENTS OF NEWEST SHIP, OCEANIA ALLURA™ prnewswire.com

Target date funds aren't all the same. Tuning the makeup of the portfolio to the investor can help balance risk and opportunity throughout the retirement journey.

WSJ: Managing Retirement Risk wsj.com

See the 3 key reasons why financial wellness programs are so important to employees—and how small and midsize businesses (SMBs) feel about those.


https://www.principal.com/businesses/trends-insights/principal-smb-sentiment?utm_medium=socialselling&utm_source=socialchannel&utm_term=livesocial&utm_campaign=bp_smbsentiment_all_2025

Employees value financial wellness programs - Q1 2025 principal.com

In a time of market volatility, Kamal Bhatia, President and CEO of Asset Management brings much-needed insight on how to evolve the approach to retirement investing. https://milkeninstitute.org/content-hub/power-ideas-essays/securing-strong-future-innovating-retirement-solutions

Saving for retirement doesn't have to be overwhelming. Employers can play a key role in helping employees feel more confident about their financial future through education and support.

Learn more ➡️ https://secure02.principal.com/publicvsupply/GetFile?fm=PQ13805&ty=VOP

The recent market downturn highlights the importance of having a strategy that seeks to lock in gains and reduce investment risk when the timing is right. Owais Rana, Head of Investment Solutions at Principal Asset ManagementSM, shares valuable insights on navigating these challenges.

Read more ➡️https://www.principal.com/businesses/trends-insights/locking-success-why-ldi-matters-now-more-ever-db-plans?utm_medium=socialselling&utm_source=socialchannel&utm_term=livesocial

💡 The Treasury Department just announced the latest Series I bond rates, and here's what caught my attention: Starting November 1st, new purchases will earn 3.11% through April 2025.



A few key details worth noting:
➡️ The rate combines a 1.90% variable portion (tied to inflation) with a 1.20% fixed portion
➡️ This is a shift from the previous 4.28% rate we saw in May
➡️ For existing I bondholders, rate adjustments depend on your original purchase date



While rates have evolved from their historic highs, the fixed rate component continues to generate discussion among those focused on long-term wealth building. 💭

Treasury Department announces new Series I bond rate of 3.11% for the next six months The U.S. Department of the Treasury has announced new Series I bond rates through April 2025.

Could you find acres of diamonds in your own backyard? Watch this video.

Acres of Diamonds In life it often happens that the answers to our most pressing questions are right in our own backyards.

Lifestyle inflation can be the enemy of wealth building.

Keeping Up with the Joneses Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?

Even low inflation rates can pose a threat to investment
returns.

Inflation and Your Portfolio Even low inflation rates can pose a threat to investment returns.