Ryan Banner, Financial Advisor at Kinnect Advisors

10/12/2026

🎃 What's haunting your finances this Halloween? 👻

Some of the scariest things in your financial life aren't the ones you can see:

🕸️ The Ghost of Old Paperwork: Outdated wills and beneficiary forms that no longer reflect your wishes
🧛 The Tax Vampire: Inefficiencies quietly draining your returns year after year
🧟 The Zombie Accounts: Old 401(k)s and forgotten accounts wandering around without a plan
🦇 The Unknown Lurking Ahead: No clear strategy for what happens if life takes an unexpected turn

The good news? Unlike a haunted house, these are fixable, and a little attention now can keep them from becoming real frights later. Schedule a meeting with me here to see how I can help:

Please follow the instructions to book a meeting with Ryan Banner, Financial Advisor. The default meeting is a virtual meeting. Select one of the other options if they apply.

10/01/2026

Picture this:

A couple in their 60s has done everything right. They've built a successful career, saved diligently, and accumulated a substantial portfolio. They also own a vacation home and have three adult children.

On paper, they're in great shape. But a closer look reveals:

-Their estate documents haven't been updated in 15 years
-Their accounts are spread across four institutions with no unified strategy
-They've never discussed with their kids what happens to the vacation home

None of these are emergencies today, but each one could create real challenges later.

Wealth doesn't simplify itself. Sometimes the most valuable thing is simply having someone help you see the full picture. Schedule a meeting with me to see how I can help:

Please follow the instructions to book a meeting with Ryan Banner, Financial Advisor. The default meeting is a virtual meeting. Select one of the other options if they apply.

09/29/2026

In our latest commentary, we explore how higher rates, geopolitical uncertainty, and shifting market expectations are shaping today’s investment landscape. Discover what’s driving the recent volatility and how investors can navigate an increasingly temperamental market environment. Read here:

In our latest commentary, we explore how higher rates, geopolitical uncertainty, and shifting market expectations are shaping today’s investment landscape.…

09/25/2026

3 planning areas that matter more as your wealth grows:

1️⃣ Tax efficiency. Where you hold investments can matter as much as what you hold. Thoughtful placement across account types may help reduce your tax drag over time.
2️⃣ Legacy planning. Trusts, gifting strategies, and clear estate documents can help ensure your wealth goes where you intend.
3️⃣ Charitable giving. Tools like donor-advised funds can help you support the causes you care about while fitting into your broader plan.

The more complex your financial life becomes, the more valuable it is to have everything working together. Let's talk about how your plan is coordinated.

09/18/2026

🗞️ Treasury made an unusually large move to calm a shaky corner of the bond market.

On September 10, the Treasury bought back up to $6 billion in 10- and 20-year notes, up from its typical $2 billion operation. Despite the move, yields kept climbing: the 10-year note reached 4.841%, the 20-year hit 5.314%, and the 30-year climbed to 5.307%, levels not seen since before the 2008 financial crisis.

🛢️ The pressure isn't coming from one place. Government debt has grown, tariffs and geopolitical tension have kept inflation concerns alive, and oil prices have climbed back above $100 a barrel.

Higher Treasury yields don't stay contained to the bond market. They tend to show up in mortgage rates 🏠, auto loans, and credit cards, which is why moves like this are worth watching even if bonds aren't something you follow day to day.


Source:

The much-anticipated announcement triples the normal buyback operation and follows an announcement from Treasury Secretary Scott Bessent.

09/16/2026

Complexity is the price of success. More assets, more entities, more decisions with bigger consequences.

The right advisor doesn't just manage money, they simplify the complexity that comes with real wealth.

Let's talk about your full picture. Schedule an appointment with me here:

Please follow the instructions to book a meeting with Ryan Banner, Financial Advisor. The default meeting is a virtual meeting. Select one of the other options if they apply.

09/09/2026

For many Gen Xers, retirement is starting to feel less like a distant milestone and more like a looming financial reality.

The oldest members of the generation will turn 62 next year, the earliest age to claim Social Security. At the same time, many are approaching retirement with limited savings and fewer pensions than previous generations had.

The median Gen X retirement savings balance is about $107,000, while members of the generation estimate they’ll need roughly $700,000 for retirement. Social Security may also become an increasingly important source of income, with 41% of workers over 55 saying they expect it to be their primary source in retirement.

That gap is prompting some Gen Xers to rethink when they’ll stop working, how much they may need to save, and what retirement could realistically look like.

If retirement is getting closer, this may be a good time to review your savings, expected Social Security benefits, and other sources of retirement income.


Source:

Millions of Generation X Americans expect to depend on Social Security as their main — or only — source of retirement income.

09/03/2026

Markets have had a rocky few days. Treasury yields at multi-year highs, oil pushing above $90 a barrel, and investors bracing for the Fed's September decision. Headlines like these often trigger reactive decisions. Real wealth is protected by having a strategy that anticipates volatility, not one that scrambles to react to it.

Let's talk about how your portfolio is positioned. Schedule a meeting here:

Please follow the instructions to book a meeting with Ryan Banner, Financial Advisor. The default meeting is a virtual meeting. Select one of the other options if they apply.

08/27/2026

What actually determines how your portfolio survives a recession? It's usually not the recession itself.

Join me on September 1st at 7pm for ‘Anatomy of a Recession’! We're breaking down what history really shows about market downturns, and why the biggest threat to your portfolio might be your own reaction to the headlines.

Register Here: https://us02web.zoom.us/webinar/register/WN_Zny8W383TuyRj9EQFdz03w

08/20/2026

Global bond yields have surged to levels not seen in years amid geopolitical uncertainty, shifting Fed expectations, and increased debt issuance. In our latest commentary, we break down what's behind the move, the impact on portfolios, and why we view higher yields as a compelling opportunity for long-term investors.
Read the full commentary:

We're in the Temperamental Era and bonds are the ones having the tantrum. The Temperamental Era is our term for a market that trades on headlines, not trends.…