Ryan K. Schebo at Modern Money Wealth Advisors

Ryan K. Schebo at Modern Money Wealth Advisors As a Financial Planner, I specialize in financial planning services for a fee. The availability of other products varies by carrier and state. EEO IS THE LAW.

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"Prudential Advisors” is a brand name of The Prudential Insurance Company of America and its subsidiaries. Life insurance and annuities are issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. All are Prudential Financial companies and each is solely responsible for its own finan

cial condition and contractual obligations. Prudential is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status, or any other characteristic protected by law. The Prudential Insurance Company of America, Newark, NJ and its affiliates. Prudential is an Employer that participates in E-Verify.

Most people assume that a spouse's unused estate tax exemption passes to the surviving spouse automatically.It doesn't.C...
06/17/2026

Most people assume that a spouse's unused estate tax exemption passes to the surviving spouse automatically.

It doesn't.

Claiming it REQUIRES A FILING WITH THE IRS within 9 months of a spouse's death.

The IRS doesn't send a reminder. The deadline just passes.

A six-month extension is available, bringing the total window to 15 months. But the clock starts the day your spouse dies, not the day you think to ask about it.

This is exactly the kind of detail that gets lost in the fog of grief and estate administration.

It's also exactly the kind of thing we watch for on behalf of the families we work with. We also help families by working with their tax, legal, and accounting professionals to make certain that paperwork is completed in a timely manner.

Father's Day is at the end of this week. Before the dinner and the gifts, there's something worth talking about.Most men...
06/15/2026

Father's Day is at the end of this week. Before the dinner and the gifts, there's something worth talking about.

Most men will show up for everyone around them without being asked. But when it comes to their own health, the appointments get pushed off longer than they should. 💚

The CDC reports that women are 33 percent more likely than men to visit the doctor and twice as likely to seek preventive care.

If there is a man in your life worth celebrating on Sunday, ask when he last had a checkup.

That conversation might matter more than any gift.

True or false: Setting up a trust means your estate will avoid probate.False. And it's one of the most common estate mis...
06/11/2026

True or false: Setting up a trust means your estate will avoid probate.

False. And it's one of the most common estate misunderstandings wealth strategists see. ⚖️

A trust doesn't protect anything the day you sign it. It has to be set up, meaning your assets need to be physically transferred into it:

▪️ Real estate titling may need to be addressed.

▪️ Bank and investment accounts need to be retitled in the name of the trust.

▪️ Insurance policies may need to be updated if the trust will be involved.

Overlooking these steps leaves the trust as an empty legal container.

Your estate may still go through probate. Creditors may still have access. The protections you prepared for may not apply.

The paperwork gets done, life moves on, so don’t let the trust get lost in the shuffle.

It happens more than most people realize. 📋

It's worth a conversation to make sure what you've built is actually doing what you intended. A trust involves a complex set of tax rules and regulations. Before moving forward, consider working with a professional who can guide you through the trust activation process.

🚀 What You Need to Know About the Upcoming SpaceX IPO1. IPO Date, Price & TickerTrading begins: Friday, June 12, 2026 IP...
06/10/2026

🚀 What You Need to Know About the Upcoming SpaceX IPO

1. IPO Date, Price & Ticker
Trading begins: Friday, June 12, 2026
IPO price: $135 per share (fixed, no price range)
Ticker: Expected to be SPCX on Nasdaq
Shares offered: ~555.6 million, raising about $75 billion
Valuation: ~$1.75–$1.77 trillion, instantly placing SpaceX among the largest U.S. companies

2. Why This IPO Is Historic
It will surpass Saudi Aramco as the largest IPO ever.
SpaceX is not just a rocket company — it includes:
Starlink (61% of revenue; 10.3M subscribers in Q1 2026)
AI infrastructure (via xAI integration)
Launch dominance (Falcon 9, Falcon Heavy)
The company generated $18.7B in 2025 revenue, though it posted a $2.6B loss due to heavy R&D spending.

3. Retail Investors Get Unusual Access
SpaceX is allocating up to 30% of IPO shares to retail investors — far above the typical 5–10%.
Eligible platforms include Fidelity, Robinhood, SoFi, ETRADE, and Schwab*.
This means everyday investors may actually get IPO shares — but demand will still far exceed supply.

4. Key Reasons Investors Are Excited
Starlink is a cash engine: $11.4B of 2025 revenue; only profitable division so far.
Launch market dominance: unmatched cost efficiency and reusability.
Government contracts: NASA, DoD, and international partners.
AI + space infrastructure: Space-based data centers and orbital compute ambitions.
Starship progress: reliable orbital flights in 2025; Artemis III lunar mission support.

5. The Big Risks You Should Not Ignore
Extreme Valuation Risk
At ~$1.75T, SpaceX would trade at ~94× trailing revenue — extraordinarily high.
Investors are pricing in future dominance, not current profitability.
Post‑IPO Price Drop Risk
Historically, mega‑IPOs often dip after launch.
Analysts warn that institutional demand may not match the hype, creating a short‑term selloff.
Starlink Dependency
Starlink drives most revenue; any slowdown in subscriber growth or regulatory issues could hit valuation.
Ex*****on Risk
Starship, Mars logistics, and orbital AI infrastructure are ambitious, expensive, and uncertain.

6. Quick Comparison Table
Topic Details
IPO Date June 12, 2026
IPO Price $135/share
Valuation $1.75–$1.77T
Retail Allocation Up to 30%
Revenue 2025 $18.7B
Key Growth Engine Starlink (61% of revenue)
Main Risk Extremely high valuation

Bottom Line
SpaceX’s IPO is a once‑in‑a‑generation event — but also a high‑risk, high‑expectation bet.
If you invest, you’re not buying what SpaceX is today — you’re buying what it might become over the next decade:
the backbone of global space infrastructure, orbital internet, and AI‑in‑space computing.

What would you do with a windfall?A business sale. An inheritance. A bonus that lands bigger than expected.Most people a...
06/10/2026

What would you do with a windfall?

A business sale. An inheritance. A bonus that lands bigger than expected.

Most people assume they'd handle it well.

But sudden money follows patterns. And the patterns aren't always flattering.

Psychologists call it sudden wealth syndrome: the anxiety, decision paralysis, and relationship pressure that arrive alongside a large sum. It shows up whether the windfall was a complete surprise or something you spent years building toward.

The 5 most common mistakes we see:

⏳ Upgrading your lifestyle before a strategy exists

🤝 Giving to family under emotional pressure

📊 Attempting to make decisions without professional guidance

⚖️ Freezing and making no decisions at all

📋 Missing the critical deadlines in year one

All five can be managed, but only if you get ahead of the emotions before the decisions start piling up.

The most important thing you can do in the first 90 days? Maybe nothing.

Tell very few people. Then consider building a team of professionals who can offer insights and guidance.

There is rarely a cost to waiting. There is frequently a cost to moving too quickly.

Some days on the calendar mean more than others. Today is one of them. 💙If someone you love has faced a cancer diagnosis...
06/07/2026

Some days on the calendar mean more than others. Today is one of them. 💙

If someone you love has faced a cancer diagnosis, you know the journey doesn't end when treatment does. The fear doesn't just disappear. The follow-up appointments keep coming. And somewhere in the middle of all of it, there are these unexpected moments of pure gratitude that are hard to put into words.

Cancer doesn't just touch one person. It's the spouse who rearranged their whole life. The kids who grew up faster than they should have. The friends who showed up and kept showing up.

Behind every survivor is a family that went through it too.

Today is for all of them.

If you've watched a parent or grandparent navigate this disease, you already know.It changes everything, and not just fo...
06/04/2026

If you've watched a parent or grandparent navigate this disease, you already know.

It changes everything, and not just for them.

Families are often so focused on the day-to-day of caregiving that the legal and financial side quietly falls behind.

▪️ Who has the authority to make decisions if something changes?
▪️ Is there a long-term care plan?
▪️ Does anyone know where the documents are?

A power of attorney, a healthcare directive, a conversation about what care actually looks like.

These are so much easier to put in place when everyone is healthy and clearheaded than after a diagnosis.

If you have aging parents, this month is as good a time as any to start that conversation. We're happy to be part of it. 💙

True or false: Americans in March 2026 are applying for fewer mortgages than they were during the Great Recession.True. ...
06/02/2026

True or false: Americans in March 2026 are applying for fewer mortgages than they were during the Great Recession.

True. And it's not even close.

96 OF THE 100 LOWEST NUMBER OF WEEKLY MORTGAGE APPLICATIONS SINCE 1999 HAVE HAPPENED IN THE LAST 3 YEARS! (according to the Mortgage Bankers Association's Mortgage Application Index)

Yet, unemployment today is a fraction of what it was during the financial crisis.

People aren't staying out of the market because they can't qualify. The market is gridlocked. Here's why. 👇

1️⃣ Millions of homeowners locked in at 3 percent during the pandemic. Selling means giving that up for another mortgage that may have a higher interest rate. So they're not moving.

2️⃣ If existing owners aren't selling, inventory can become thin, prices might stay elevated, and buyers wait for something to change.

3️⃣ Most are waiting for rates to drop. But when they do, demand may pick up, competition returns, and that window closes faster than expected.

Here's the truth about market timing: it almost never works the way people picture it.

The better question isn't "When is the right time to buy?" It's "Am I financially ready to move when the right opportunity comes?" 📋

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Centerville, OH
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