Destination Wealth Strategies Group - Stifel

We are truly honored to have been named one of Forbes' 2026 Best-in-State Wealth Management Teams, among so many impressive colleagues!

Forbes' Best-in-State Wealth Management Teams rankings are based on the 12-month period ending March 31 of the year prior to publication and selected by SHOOK Research, LLC from a pool of nominations as indicated in the methodology. The rankings may not be representative of any one client's experience and are not indicative of the financial advisor's future performance. For more information, see www.stifel.com/Newsletters/AdGraphics/Disclosures/Awards-Disclosures.pdf

January 1 through March 31 is an opportunity to enroll in Medicare if you did not enroll when first eligible or during a Special Enrollment Period.

View our Medicare Fact Sheet for 2026 here:
https://livesocial.seismic.com/a7UxIn

Before the year comes to a close, it's worth checking whether your investment plan still fits your goals. Changes in income, family needs, or market trends can all influence your strategy. Taking time now to review and adjust can help keep you on track for the year ahead.

Some birthdays mark more than just another candle on the cake. They can also bring key financial and retirement milestones. Understanding what changes at each age can help you plan ahead and make informed decisions for your future.

Big life changes often bring new financial considerations. Marriage, a career move, or welcoming a new family member can all affect your goals and priorities. Taking time at year-end to review your plan can help ensure it continues to reflect what matters most to you.

For the first time in nearly 30 years, global central banks' total value of gold holdings has surpassed U.S. Treasuries. This shift is driven by record gold-buying and a move away from the U.S. dollar.

If you are not engaging in year-end tax planning, you could be leaving money on the table. Review the 2025 year-end tax planning strategies here: https://livesocial.seismic.com/aqnUSI

Wishing you and your family a Happy Thanksgiving!

FOLIA (Fear of Losing it All) and FOMO (Fear of Missing Out) are both emotional responses that investors may experience during both gains and losses. However, studies show that FOLIA trumps FOMO, as losses hurt about twice as much as gains make you feel good. This phenomenon highlights the significant psychological impact of potential losses on investors' decisions.

The chart illustrates that overcoming losses takes more than the loss itself, especially if income is being taken from the portfolio. There are many solutions to help protect from FOLIA. Reach out to your Stifel financial advisor for information.

Join the Destination Wealth Strategies Group for a webinar on Thursday December 11th at 1pm PT, where our very own Jeff Wells will update investors on bond markets, providing insights and strategies to help navigate today's volatile interest rate environment. You can register at: https://stifel.zoom.us/webinar/register/9817615793084/WN_mKlLGLDATTmtqw6UH4ezsw. If you have any questions, please reach out to Aimée Diderich at (415) 306 5644 or [email protected]. We look forward to seeing you there! https://livesocial.seismic.com/a3GDFX

Take a look at our most recent Wealth Planning Newsletter!
https://livesocial.seismic.com/aaAvSn

Click the link below to view this past month's Favorite 15, charts from our CIO Office, on topics impacting markets, the economy, and investor portfolios: https://livesocial.seismic.com/aiLcy4