Anthony Ghiloni - Financial Representative

06/24/2026

Welcoming a baby changes everything—including your finances.

The good news? A few smart steps can help make a big difference.

Start with a clear budget, build an emergency fund, and review your life insurance policies to help protect your growing family.

Then, think long-term: college savings, retirement, and updating your estate plan all matter.

Parenthood is overwhelming enough—your finances don’t have to be. Small, intentional moves today can help create real peace of mind tomorrow.

Learn practical financial tips for new parents, from budgeting and saving to insurance and college planning, so you can build a strong future for your family.

06/23/2026

Thinking about retirement already? You should be.

Starting early isn’t just smart, it’s powerful. Time lets compound interest do the heavy lifting, it could help you maximize tax advantages, and gives you flexibility down the road. Plus, relying on Social Security alone likely won’t cut it.

The takeaway: small steps now could mean bigger freedom later.

Your future self will thank you.

https://www.westernsouthern.com/wslife/learn/financial-education/reasons-to-start-preparing-for-retirement-now?utm_source=facebook&utm_medium=Hearsay&utm_content=3239050&utm_campaign=1325841

06/10/2026

Western & Southern Financial Group received the second highest score among annuity providers in the J.D. Power 2025 U.S. Individual Annuity Study, which measures customer satisfaction with annuity providers.

Access the full article: https://www.westernsouthern.com/about/newsroom/2026-01-western-southern-jd-power-2025-us-individual-annuity-study?utm_source=facebook&utm_medium=Hearsay&utm_content=3232060&utm_campaign=1325841

Visit jdpower.com/awards for more details.

06/09/2026

How much should you really save for retirement each month?

The rule of thumb is ~15% of your income—but let’s be real, that’s not always doable.

Here’s the takeaway:

Start where you can. Stay consistent. Increase over time if possible. Because even small monthly savings can grow big later.

Progress > perfection.

What’s one small step you could take this month to get closer to your retirement goal?

https://www.westernsouthern.com/wslife/learn/financial-education/how-much-should-i-save-for-retirement-each-month?utm_source=facebook&utm_medium=Hearsay&utm_content=3232063&utm_campaign=1325841

06/01/2026

The importance of reviewing your finances regularly.

https://www.westernsouthern.com/wslife/learn/financial-education/personal-financial-planning-regularly?utm_source=facebook&utm_medium=Hearsay&utm_content=2627593&utm_campaign=1325841

Regularly engaging in personal financial planning is essential for securing your financial future. Learn why it's important and how to plan your finances today.

05/13/2026

The true cost of raising a family—are they protected against inflation?

Raising a family involves more than love and time—it comes with growing financial responsibility, especially as costs continue to rise.

Beyond the obvious expenses, consider how inflation impacts:

💠Childcare and education, where costs tend to rise faster than average
💠Healthcare and daily living expenses that increase year after year
💠Housing, transportation, and activities affected by higher prices
💠Long-term goals like college funding or future financial support, where today’s estimates may not reflect tomorrow’s reality

As inflation affects purchasing power, the cost of supporting your family in the future may be significantly higher than it is today.

If something unexpected happened to you, would those plans still be achievable—not just now, but years from now?

Life insurance death benefit helps ensure that the financial investment you’re making in your family can keep pace with rising costs. Protection today helps safeguard their
opportunities tomorrow.

https://www.westernsouthern.com/wslife/learn/financial-education/what-is-permanent-life-insurance?utm_source=facebook&utm_medium=Hearsay&utm_content=3211090&utm_campaign=1325841

05/12/2026

A safety net doesn’t prevent falls; it helps soften them.

Life insurance death benefits exist to help provide financial support when your loved ones need it most. It can help cover everyday expenses, long-term obligations, and future goals during life’s most difficult moments.

It’s not about fear, it’s about care. Not about predicting the future but preparing for it.
Having a plan in place is one of the most thoughtful decisions you can make for the people who depend on you.

https://www.westernsouthern.com/life-insurance/do-i-need-life-insurance?utm_source=facebook&utm_medium=Hearsay&utm_content=3212005&utm_campaign=1325841

05/07/2026

Caps off to you, Class of 2026! Graduation is more than a milestone; it’s the start of what’s next. Celebrate how far you’ve come and get ready to put your skills to work. The future is wide open.