Jayson R. Chichelli - Empire Financial Advisors

09/02/2026

Heard of ETFs but not sure what they are? This post explains how they work, what types exist, and why some investors consider them.

Curious about how this investment option might align with your goals? Let’s connect.



**ETFs are sold only by prospectus. Please consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. Read it carefully before you invest or send money.**

08/31/2026

Thinking about retirement? You're not alone—and the numbers might give you something to think about.

From how much people rely on Social Security to what retirees actually spend, these stats highlight why it’s important to look at the full picture. It’s not about having every answer—it’s about starting a conversation that helps you feel more confident about what’s ahead.

📌 Save this post for later
📩 Share it with someone who’s thinking about their future
💬 Questions? I’m always here to talk things through

08/28/2026

💸 Wealth in 60 | Episode 5
🚨 Got a lump sum payment? Watch this!!

08/28/2026

Back-to-school season is bringing higher costs for many families.

A new analysis found that a typical basket of school items, including notebooks, lunch boxes, and index cards, is up nearly 8% compared with last year.

School lunches are also more expensive, with the cost of a typical packed lunch up 11%.

The analysis estimates families may spend roughly $4,000 per student on school supplies and lunches this year, including about $175 on school items and $3,800 on packed lunches.

Some items have seen especially sharp increases. Lunch boxes are up 27%, one-subject notebooks are up 23%, and index cards are up 22%.

Higher tariffs, imported school supplies, food prices, and energy costs are all contributing to the increase.

For families, back-to-school shopping is a reminder that seasonal expenses can add up quickly, especially when everyday costs are already stretching household budgets.


Source:

U.S. households will spend roughly $4,000 per student on school supplies and lunches this year, a new analysis found.

08/27/2026

Looking for the following for industries to join our network referral group that meets on Thursday mornings:

Marketing
Tax / CPA
Home Inspections
Real Estate Attorney
Roofer
Electrician
Pest Control
Mortgage Lender
Painter
IT Services
HVAC
Photographer
Printer
Landscaper

Please contact me if your interested! We serve an awesome free breakfast at our visitors day!!

08/24/2026

📈 MARKET MONDAY | WEEK OF AUGUST 24
👉 Markets, Money & The Week Ahead

This could be one of the more important weeks for markets this summer.

Here are 3 things investors are watching:

🤖 1. NVIDIA Earnings — Wednesday

NVIDIA reports earnings Wednesday, and the results could provide another look at the strength of AI infrastructure spending.

Investors won’t just be watching the numbers, they’ll be listening for what management says about future AI demand and data-center investment.

📊 2. PCE Inflation — Wednesday

The Fed’s preferred inflation gauge, Personal Consumption Expenditures (PCE), comes out Wednesday morning.

The big question:
Is inflation cooling enough to give the Fed room to ease policy, or will persistent inflation keep rates higher for longer?

🏦 3. Jackson Hole & Interest Rates — Thursday/Friday

Fed Chair Kevin Warsh is scheduled to speak at the Jackson Hole Economic Symposium later this week.

His comments could provide investors with additional insight into how the Fed is thinking about inflation, interest rates and the economy heading into the September meeting.

Meanwhile, long-term Treasury yields remain elevated, creating another challenge for both stocks and bonds.

🌎 And one more thing to watch…

Developments surrounding U.S.-Iran tensions and potential new sanctions could affect energy prices, inflation expectations and global markets.

💡 MARKET MONDAY TAKEAWAY

This week is a great reminder that markets are influenced by many different forces at once.

AI expectations.
Inflation.
Interest rates.
Government debt.
Geopolitical risk.

You don’t need to predict which headline comes next.

You need a financial plan built to withstand the headlines.

Have a great week!

08/17/2026

📈 Market Monday | Week of August 17 | Markets, Money & the Week Ahead

Markets are heading into another important week with investors balancing strong equity markets against some mixed economic signals.

📈 Where Markets Stand
The S&P 500 finished last week near record highs, while expectations for a September Fed rate hike have declined following softer economic data. Futures are relatively mixed to start the week.

🏦 The Fed
The biggest event this week comes Wednesday when the Federal Reserve releases the minutes from its July meeting.
Investors will be looking for clues about how policymakers are thinking about inflation, employment and the path of interest rates.

🛒 The Consumer
Some of the biggest retailers report earnings this week:

🏠 Home Depot — Tuesday
🛍️ Target & Lowe's — Wednesday
🛒 Walmart — Thursday

Their results could provide an important look at how consumers are handling prices, borrowing costs and the broader economy.

🌎 Geopolitical Risk
Tensions surrounding Iran and the Strait of Hormuz remain an important variable for energy prices and inflation. The situation remains fluid, so investors will be watching for developments that could affect oil prices and broader economic conditions.

💡 Market Monday Takeaway
The market doesn't move in a straight line, and neither does the economy. There will always be another headline, economic report or geopolitical event to react to.

The goal isn't to predict every move.
It's to have a financial plan that doesn't depend on getting every prediction right.

📰 Article of the Week:
For an easy-to-read breakdown of what investors are watching this week, check out Investopedia's market preview:
https://www.investopedia.com/what-to-expect-in-markets-this-week-earnings-from-walmart-target-and-bj-s-12058970

Have a great week!

Major retailers’ quarterly results come after inflation softened in June and July.

08/14/2026

TIME in the market > TIMING the market.

Continued innovation and increases in productivity growth are key to long-term market and economic growth.

However, the stock market has not moved up in a straight line with past innovations, and many effects of innovation can take years to materialize.

08/10/2026

📈 MARKET MONDAY | WEEK OF AUGUST 10
Markets, Money & The Week Ahead

📈 Markets
The S&P 500 enters the week near record highs after a strong technology-led rally. Investors are now looking to see whether economic data can support the market's current momentum.

👷 Jobs
July's employment report surprised to the downside: the U.S. economy lost 23,000 jobs, while the unemployment rate edged down to 4.1%. Previous months were also revised lower, adding to questions about the strength of the labor market.

📊 Inflation
This is the big one this week.
On Wednesday, August 12, investors will get the July CPI report. Thursday brings PPI, giving markets another look at inflation pressures.

🛒 Consumer
Friday brings July retail sales, followed by the preliminary August University of Michigan consumer sentiment reading. These reports should provide another look at how resilient consumers remain.

💡 Market Monday Takeaway
The market may be at record highs, but the economy is sending some mixed signals. That's why this week's inflation and consumer data will be important, not because we can predict exactly what the market will do, but because they help investors understand the environment we're investing in.

Stay informed. Stay disciplined. Don't let one week's headlines change a long-term plan.

📰 Article of the Week
Want a deeper look at what markets are watching this week?
https://tinyurl.com/y8skthhz

It's a good, easy-to-read overview of this week's major economic releases and why they matter.

The July CPI reading will show how prices have evolved since the U.S-Iran conflict resumed.

08/06/2026

🚨🚨 Retiring in the next 1–3 years? Don’t overlook these five decisions:

✔️ Your 401(k) options
✔️ Social Security timing
✔️ Medicare enrollment
✔️ Beneficiaries & account titling
✔️ Your retirement income strategy

The years leading up to retirement are some of the most important for financial planning. A little preparation now can help you avoid costly mistakes later.