Archstone Financial: Eric Riggin

The economic landscape is complex and can’t be fully understood from a single standpoint. Gene Goldman, Chief Investment Officer for Cetera Financial Group, provides a forward-looking approach to investing.

We are pleased to offer an exclusive discussion featuring Gene Goldman a highly regarded investment strategist and thought leader. Gene will share his perspective on three defining investment themes shaping the balance of 2026, along with insight into the evolving economic landscape and potential implications for investors.

Join Us on Wednesday evening April 16th and stay informed!
Click here to register to attend via Zoom https://zoom.us/webinar/register/WN_DWcijzXNR-OZ0aFHw2FcmQ

Great wine and great wealth have something in common—they both reward patience. 🍷

Behind every perfect vintage is time, care, and consistency. The same goes for your financial strategy. The goal isn't quick wins or a perfect growing season, but something that matures over time.

Let's raise a glass to long summer nights with friends, trusted bottles full of years of promise, and a life worth savoring.

Salut! 🥂

The Federal Reserve has decided to keep interest rates unchanged at its latest policy meeting, citing ongoing economic uncertainties and mixed market signals.

The central bank emphasized a cautious approach, aiming to balance inflation control with support for economic growth. The decision aligns with expectations, as the Fed continues to monitor key indicators, including employment, consumer spending, and global economic conditions.

While the Fed remains committed to its long-term goals, its current strategy requires careful navigation to maintain financial stability.



Source:

Fed votes to hold rates steady, notes 'uncertain' impacts from Iran war The Federal Reserve on Wednesday released its decision in interest rates.

What a $5 Frappuccino can teach your teen about building wealth!

April is National Financial Literacy Month, and here's a number worth sharing at the dinner table.

If your teen opens a Roth IRA at 18 with $1,000 from a part-time job and adds $1,000 a year, that single account could be worth nearly $500,000 by age 65. Tax-free.

Think they can't save $1,000 a year? Skipping the daily Frappuccino more than covers it. ☕

But the best financial education isn't about the math. It's about real decisions with real consequences.

A few things that actually work:

✅ Hand them cash instead of a credit card for shopping. Let them keep what they don't spend.

✅ Give them a clothing budget for the year. If they blow it by October, that's the lesson.

✅ Have the college money talk before they fall in love with a school. As one counselor put it, "Have the conversation before they buy the hoodie."

✅ With the Roth IRA, you can show them that there are certain rules with certain accounts. For example, to qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a 5-year holding requirement and occur after age 59½. Also, tax-free and penalty-free withdrawals can also be taken under certain other circumstances, such as the owner's death. The original Roth IRA owner is not required to take minimum annual withdrawals.

What's one money lesson you wish someone had taught you earlier? 👇

Please consult with a tax and finance professional before making any decisions.



Sources:
-https://www.calculator.net/roth-ira-calculator.html?cstartingprinciple=1%2C000&cannualaddition=1%2C000&cmax=n&cinterestrate=8&ccurrentage=18&cretirementage=65&ctaxtrate=25&printit=0&x=Calculate -ira-result
-https://www.ngpf.org/blog/advocacy/how-many-states-require-students-to-take-a-personal-finance-course-before-graduating-from-high-school-is-it-6-or-is-it-21/

We are pleased to offer an exclusive discussion featuring Gene Goldman a highly regarded investment strategist and thought leader.

The economic landscape is complex and can’t be fully understood from a single standpoint. Gene Goldman, Chief Investment Officer for Cetera Financial Group, provides a forward-looking approach to investing. Gene will share his perspective on three defining investment themes shaping the balance of 2026, along with insight into the evolving economic landscape and potential implications for investors.

This conversation is designed to provide elevated perspective and actionable insight as you position your portfolio for the year ahead. We hope you’ll join us for this informative and timely discussion.

Click here to register to attend via Zoom https://zoom.us/webinar/register/WN_DWcijzXNR-OZ0aFHw2FcmQ

Deciding when to claim Social Security is one of the biggest retirement choices you’ll face. There’s no one-size-fits-all answer, but there are some factors to consider:

📌 Are you still working?
📌 How long do you expect to live based on health and family history?
📌 How do early or delayed benefits fit into your retirement picture?

This guide outlines the basics to help you begin exploring your options.

We’re here to support you by:
• Helping you choose the option that best fits your situation
• Assisting you in deciding when to begin taking benefits
• Ensuring you feel confident when it’s time to file

Please give us a call at 508.453.9819 to schedule a time to connect.

Financial lessons are rarely just about dollars and cents. They’re also about patience, responsibility, and values.

When families talk openly about money and connect financial choices to what matters most, kids learn skills that go far beyond basic budgeting and balancing.

Consider involving your children in retirement planning conversations and introducing them to your advisor. Doing so can help foster understanding and appreciation for long-term financial planning in a supportive environment

It's easy to rush through the present while already thinking about what's next. Some of the most grounding moments come from simply pausing. Savoring a quiet evening, stepping back from a busy routine, or noticing how much you've grown.

Let's catch up and talk through how far you've come.

The Archstone Financial team invites you to join us for a spring document shredding event to celebrate Earth Day!

Safely dispose of your documents in our office and know that they will be destroyed and recycled.

Monday, April 13, 2026 from 10am to 3pm
at our office in Worcester, MA

Responsibly destroying sensitive, confidential documents is a smart way to stay safe to ensure your private information is kept safe. We'll help you dispose of unnecessary items, safely and securely while making an impact on the health of our planet. Did you know every ton of recycled paper saves 17 trees?

Ideal Documents for Shredding:
Medical documents
Bank Information
Tax records
Paperwork containing account numbers or private details

Items Not to Bring:
Junk mail
Magazines
Phone books
Pictures
Batteries
Thick metal, plastic or non-paper items

We encourage you to bring a friend or loved one along to shred their documents safely too!

Markets remain under pressure as geopolitical risks rise, with news that Iran-backed Houthis have entered the conflict dampening hopes for de-escalation and keeping investors focused on oil prices, yields, and equities. Chief Investment Officer Gene Goldman breaks down why this week’s key economic data will be critical in showing how resilient the economy is amid these headwinds in . https://cetera.com/the-week-ahead