LOE Financial Group

Do you find your financial goals to be too big and unrealistic? Using the SMART framework could help you become a goal-setting pro. Click the link below to be sent a guide to help you get started.

https://moneyhowto.com/us/~JSEB9/SmartGoals?lang=en

When stock prices drop, some investors start asking “shoulda, woulda, coulda” questions about whether to remain invested. But as 2025 illustrates, market timing can be very expensive even if it means missing just a few days.

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New data shows that some Americans are contributing less to retirement accounts, reflecting ongoing financial pressures. On average, contribution rates fell slightly, with full-time workers setting aside 8.9% of income, down from 9.2% the previous year. At the same time, about 1 in 4 workers reduced their savings, and nearly 20% took loans from their accounts. These changes may be tied to rising everyday expenses, as some households adjust to manage short-term needs. While the shift is relatively modest, consistent contributions over time can play an important role in long-term outcomes — making even small changes worth paying attention to. Trends like these highlight how broader economic conditions can influence saving behaviors across different income levels.

Source: https://www.cbsnews.com/news/retirement-savings-contribution-cut-warning-sign-dayforce-study/

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PFS Investments Inc. (PFSI) offers brokerage and advisory services. PFSI, 1 Primerica Parkway, Duluth, Georgia 30099-0001, member FINRA [www.finra.org]. PFSI conducts its advisory business under the name Primerica Advisors. Primerica, Inc. and PFSI are affiliated companies. Investing entails risk, including loss of principal. Representatives must be licensed to discuss investments. For more information, refer to https:// prisocial.info/PriInvestmentsDisclosures.

This communication is for informational purposes only. Please consult a financial professional for individualized advice.

Americans are reducing their retirement savings. That's a "warning sign," experts say. Full-time employees cut their 401(k) participation and contribution rates last year amid an affordability crunch, new research shows.

Earnings growth expectations look ahead at how companies may perform over time. While prices move day to day, long-term business strength often matters more. Contact me to discuss how earnings forecasts fit into long-term investing.

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Your time horizon is how long your money could stay invested, and it plays a major role in shaping strategy. Shorter timelines often call for more caution, while longer ones may allow flexibility. Contact me to talk through an approach that matches your goals.

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Small-cap and large-cap stocks serve different roles in portfolios. Smaller companies may offer growth potential, while larger ones often bring stability. A mix could help offset risk with opportunity. Contact me to talk about balancing growth and stability.

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If you’ve ever wondered “Where’s the money?” implementing a simple tracking habit could change everything. My free Find Your Money worksheet shows you exactly where your dollars drift each week. Download it here ⬇️

https://bit.ly/4t3cO9i

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Earnings season is when companies report quarterly results, giving insight into performance and future expectations. These updates can influence stock prices in the short term, but long-term goals still matter most. Contact me to learn more.

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What are Wall Street’s best and brightest looking for in 2026? If you toss out the highest and lowest, you can see that the other forecasts settle into a pretty tight range for the year. What the table doesn’t show is that there will be highs and lows during the year. There will be times when stock prices look invincible. And there will be times when you wonder why you invest in stocks at all.

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More families are pausing big purchases and taking a closer look at their finances. That awareness can be empowering.

The latest Financial Security Monitor™ survey highlights how middle-income Americans are adapting, finding opportunities to adjust, refocus, and move forward with greater confidence.

Even small changes can add up overtime.