KB&P Financial Partners

When did you last review your estate plan?

Marriage, divorce, a new child, retirement and other life changes can all be reasons to revisit your documents and make sure they still reflect your wishes.

There are four months left in 2026. How are those financial goals looking?

September is a great time to check your progress, revisit your priorities and tackle anything you've been putting off.

You don't have to wait until January to make a change. A few adjustments now can help you finish the year strong.

Your paycheck isn't the only benefit you receive from your job.

Retirement matches, HSAs and insurance benefits can all play a role in your financial picture. Are you taking full advantage of what's available to you?

Take time to understand your benefits and how they fit into your bigger financial goals.

What does "liquidity" mean?

Simply put, it's how quickly and easily an asset can be turned into cash. A savings account is highly liquid. A house? Not so much.

A strong financial plan considers both growing your money and having access to it when you need it.

What financial term should we explain next?

When was the last time you reviewed your beneficiaries?

Major life events like marriage, divorce, the birth of a child or the loss of a loved one can all affect who should receive your retirement accounts, insurance policies and other assets.

Many people update their will but forget to update their beneficiary designations.

Taking just a few minutes to review them today can help ensure your wishes are carried out tomorrow.

If you're unsure where to start, we're here to help. Visit yourfinancialteam.com to schedule a conversation.

School is back in session, and expenses can add up quickly between supplies, activities and new routines.

Before reaching for a credit card, take a few minutes to review your monthly budget. Even small adjustments can help you stay on track without adding unnecessary debt.

A few questions to ask yourself:
✔️ Have your monthly expenses changed?
✔️ Are there subscriptions you no longer use?
✔️ Can you set aside a little extra for unexpected school expenses?

A budget isn't about restricting your spending. It's about giving every dollar a purpose.

Need help creating a financial plan that works for your family? Visit yourfinancialteam.com to schedule a conversation.

Life doesn't always give us advance notice.

A car repair. A medical bill. A broken appliance.

An emergency fund can help you handle the unexpected without relying on credit cards or loans.

Many financial professionals recommend saving enough to cover three to six months of essential living expenses. If that feels overwhelming, start small. Even setting aside a little each month can make a difference over time.

Need help building a financial plan that includes emergency savings? Visit yourfinancialteam.com to get started.

Starting a new job is exciting, but don't forget about your old 401(k).

Leaving retirement savings behind can make it harder to keep track of your long-term goals. Depending on your situation, you may have several options:
• Leave it with your former employer's plan
• Roll it into your new employer's retirement plan
• Roll it into an IRA
• Cash it out (although this can result in taxes and penalties)

Every situation is different, and the right choice depends on your goals, investments and tax considerations.

Before making a decision, talk with a financial professional who can help you understand your options.

Learn more or schedule a conversation at calendly.com/yourfinancialteam.

Advisor Spotlight: What financial resource is worth your time?

This month, we asked Andy Barlow, CFP® to share a favorite financial podcast.

His pick: All In

Why he recommends it: The All-In Podcast is a weekly show where four venture capitalists (Chamath Palihapitiya, Jason Calacanis, David Sacks and David Friedberg) discuss current events in business, technology, politics and economics from an investor’s perspective. It blends analysis, debate and humor to break down big news stories and trends shaping startups, markets and society.

Financial education does not have to be complicated. Sometimes one helpful podcast can make the next step feel a little clearer.

Have a financial podcast you recommend? We would love to hear it.

Are you missing money your employer is already offering? If your employer offers a match, check whether you are contributing enough to receive the full amount.

A few questions can help:
• How much does your employer match?
• How much do you need to contribute?
• When was the last time you checked your contribution rate?
• Could you increase it gradually over time?

At KB&P, we help clients understand how retirement savings fit with the rest of their financial life.

Schedule a conversation at calendly.com/yourfinancialteam.