Karen Patel-Financial Advisor

09/02/2026

This Monthly Recap summarizes market performance, major events and news from August 2026. Read more here:

U.S. stocks returned to gains in August after the S&P 500 and Nasdaq Composite both ended negative the prior two months while the Dow Industrials capped a…

08/31/2026

What will this week's economic data mean for rate hike odds?
Join Chief Market Strategist Brian Klimke on this week's episode of as he breaks down key reports on manufacturing, services, employment, and Friday's closely watched jobs report. With the Fed meeting just two weeks away, markets will be looking to see whether the data strengthens or weakens the case for another hike.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

08/27/2026

What Happens When the Plan Isn’t Yours to Control?

For Broomfield seniors and their families, senior care planning is about much more than healthcare.

Have you explored all your housing options?
Have you considered future healthcare and caregiving needs?
Have you thought about the impact those choices may have on your family?

Because when you don’t make the plan while you can, the decisions—and the control—may eventually belong to someone else.

Take the opportunity to get informed, explore your options, and make choices that reflect your wishes.

📍 Join us on September 4th, Senior Services of the City & County of Broomfield invites you to Legacy Planning!

Hope to see you there! 💙

08/26/2026

106 years ago, on August 26, women gained the right to VOTE.

And yet, the fight for women’s independence didn’t stop there.

It took until 1974 for women to legally obtain credit cards, bank accounts, and loans in their own names without a male co-signer.

And today? We’re still learning that women’s health, financial lives, longevity, caregiving responsibilities, and risks are NOT simply the same as men’s.

For far too long, medical research and education have relied on the 70-kg male body as the “universal” standard. Women deserve research, healthcare, financial strategies, and education that recognize US—women—as women.

So, sisters, daughters, mothers, grandmothers, friends, colleagues…
USE YOUR VOICE. 📣

Ask the questions.
Challenge the assumptions.
Know your numbers.
Know your health risks.
Protect your financial independence.
Plan for your future.
And help the women coming behind you do the same.

We have come a LONG way.
But we don't have to wait another 50 years for change.

Celebrating US!
You. Me. She. Her. ALL of us. ❤️

08/24/2026

Markets face plenty of uncertainty, but investors may be looking past the next rate decision and toward Jackson Hole.
In this week's episode of , CIO Gene Goldman discusses what to expect from the first Jackson Hole symposium under Fed Chair Kevin Warsh, including the future of Fed communications, the message behind rising Treasury yields, and how policymakers are navigating an economy that is sending mixed signals.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

08/23/2026

The Hidden Costs of Aging: What Does It Cost Your Family?

Families of Broomfield—have you thought about how the hidden elements of aging could affect your family time?

Will your children become responsible for:
• Numerous doctor appointments—often at inconvenient times?
• Transportation and caregiving needs?
• Unexpected home modifications to keep you safe?
• Unplanned expenses that can add stress to everyone?

Aging doesn’t just affect the person aging—it can affect the whole family.

Join Senior Services of the City & County of Broomfield for their September meeting as we explore “The Hidden Costs of Aging.”

Let’s start the conversation before the unexpected becomes the plan.

🎂 Birthday lunch to follow!

Hope to see you there!

08/21/2026

CLASS OF 1980 - MEDICARE is calling!

For those of us in the Class of 1980, turning 65 means more than celebrating another milestone. It also means entering the world of Medicare, health insurance decisions, and retirement income planning.

And here's something worth knowing BEFORE you enroll:

💡 Your retirement cash flow can impact your Medicare costs.

Planning ahead may help you:
• Be more intentional about taxable retirement income
• Understand how different income sources can affect Medicare premiums
• Coordinate health insurance and Medicare decisions with your overall retirement strategy
• Think beyond Medicare to the potential need for long-term care

Healthcare isn't just a Medicare conversation.
It's a retirement income + tax + longevity + long-term care conversation.

We worked hard to get to 65. Let's make sure we understand what we're walking into. 😉

Class of 1980 — it's time to get Medicare-ready!

08/20/2026

BROOMFIELD SENIORS- Retirement is meant to be enjoyed — whether that includes travel, hobbies, family time, or simply the comfort of knowing your affairs are in order.

Join us for a meaningful discussion about the often-overlooked financial realities of aging, including healthcare, long-term care, and housing considerations that can affect both retirement lifestyle and legacy goals. Gain practical strategies and helpful perspectives to better prepare yourself and your loved ones for the years ahead.

-REx

08/20/2026

What role does yield play in long-term investment success?
The Cetera Investment Management Team's latest Market Commentary, Reap What You Sow: Cultivating Yield for Long-Term Returns, explores how dividends, interest income, and reinvestment have historically contributed to portfolio growth and why today’s higher-rate environment may create new opportunities for investors.
Read the full commentary:

Every great harvest begins with a single seed. The vibrant assortment of fruits and vegetables at your local farmer’s market is the result of careful planning,…

08/20/2026

Read the latest issue of Financial Watch here:

Changing jobs is exciting, but it can also leave financial loose ends overlooked amid the transition, like an old 401(k) or an approaching vesting date. In…