Bettie Zimmerman Financial Advisor - Pisces Wealth

09/23/2026

A SEP-IRA may appeal to self-employed individuals and certain businesses with few or no employees because it generally involves fewer administrative requirements than some other employer-sponsored retirement plans. A SIMPLE IRA may be appropriate for eligible small businesses that want employees to be able to make contributions while the employer makes required contributions. A 401(k) can provide greater plan-design flexibility and, depending on individual circumstances and plan structure, may permit higher contribution levels, but it may also involve additional administrative responsibilities and costs.

There is no single retirement plan that is appropriate for every business. The appropriate choice depends on a variety of factors, including the size of the business, number of employees, eligibility requirements, desired contribution levels, costs, administrative responsibilities, tax considerations, and long-term business goals. Business owners should compare the features, limitations, costs, and requirements of each option and consult with appropriate financial and tax professionals before selecting a retirement plan.

For educational purposes only and not intended as individualized investment, tax, or legal advice. Retirement plan rules, eligibility requirements, contribution limits, and tax treatment are subject to applicable law and may change. The appropriate retirement plan depends on the specific circumstances of the business and its owners and employees. Consult appropriate financial, tax, and legal professionals regarding your circumstances.

09/17/2026

Federal climate data indicate that heat waves have become more frequent in many major U.S. cities over recent decades. According to ABC News, Research has also found associations between extreme heat or severe drought and lower economic activity or economic losses in certain regions and periods.

Heat-exposed industries—including agriculture, construction, manufacturing, transportation, and mining—may face particular challenges. For households and businesses, extreme heat illustrates how weather-related risks can affect budgets, supply chains, labor productivity, food prices, and energy costs.

09/15/2026

We’re excited to announce a new chapter for our practice...

We joined Pisces Wealth!

This transition gives us an exciting opportunity to build on the work we’ve always been passionate about while continuing to provide thoughtful, personalized service to our clients.

We’re looking forward to what’s ahead!

Learn more about our new firm:
www.pisceswealth.com

09/09/2026

One common way to think about risk management is through four general approaches: ignoring a risk, avoiding it, managing or reducing it, or transferring some of its financial impact, such as through insurance.

The appropriate approach depends on the specific risk, its potential consequences, costs, and your individual circumstances. The important part is understanding the tradeoffs and making an informed decision rather than simply reacting to risk.

When you think about managing risk, which approach do you tend to consider first?

For educational purposes only. The appropriate risk-management strategy depends on individual circumstances.

09/07/2026

Happy Labor Day! In recognition of the holiday, our office will be closed. We wish you a safe, relaxing day as we celebrate the hard work and contributions of workers everywhere. 🇺🇸

09/01/2026

September is College Savings Month! It’s a great reminder that even small contributions today can make a meaningful difference tomorrow. Start early, save consistently, and help give your future student more options—and fewer financial worries.

08/26/2026

Many investors have heard that certain months tend to perform better than others.

Historically, August was one of the stock market's strongest months for much of the 20th century. In more recent decades, however, August has often produced weaker returns than it did historically.

The key takeaway? Seasonal market patterns can be interesting to observe, but they are not a reliable investment strategy.

A long-term investment approach is generally based on your financial goals, time horizon, risk tolerance, and a disciplined plan—not on trying to predict what any single month may bring.

This material is provided for educational purposes only and should not be construed as individualized investment advice or a recommendation to buy or sell any security. Investment advisory services are offered through Keating Financial Advisory Services (KFAS) pursuant to a written advisory agreement.

08/19/2026

08/11/2026

A will is one of the most important estate planning documents you can have. While everyone's situation is different, creating or updating a will can help provide clarity for your loved ones and ensure your wishes are documented.

Three reasons to consider having a will:

• Direct how your property is distributed. A will allows you to express your wishes rather than relying solely on your state's intestacy laws.

• Provide guidance during the probate process. A will can help communicate your intentions to the probate court and the person responsible for administering your estate.

• Name a guardian for minor children. If you have young children, a will allows you to nominate the person you would like to care for them if you're no longer able to.

Estate planning isn't only about transferring assets—it's also about protecting the people and priorities that matter most.

This information is provided for educational purposes only and should not be construed as legal or tax advice. Individuals should consult with a qualified attorney and/or tax professional regarding their specific circumstances.

08/03/2026

A 529 plan is a tax-advantaged savings account designed to help families save for qualified education expenses for a child, grandchild, or other designated beneficiary.

When funds are used for qualified education expenses, investment earnings grow tax-deferred and can generally be withdrawn free from federal taxes (and often state taxes, depending on your state). Qualified expenses may include tuition, fees, books, room and board at eligible colleges and universities, and certain K–12 tuition expenses.

While contributions are not federally tax-deductible, a 529 plan can be a valuable tool for families planning for future education costs.

If education savings is part of your financial goals, a financial professional can help you determine whether a 529 plan fits into your overall strategy.

Investments in a 529 plan are subject to market risk, including the possible loss of principal. Before investing, consider the plan's investment objectives, risks, charges, and expenses. Tax benefits vary by state, and non-qualified withdrawals may be subject to federal and state income taxes and an additional federal tax penalty on earnings. Consult your tax advisor regarding your specific situation.