Synthesis Wealth Planning, LLC

10/16/2026

Keeping more of what you've earned often starts before year-end.

Many tax-saving opportunities are easier to address in October than they are in December.

Now is a good time to review:
• Retirement contributions
• Charitable giving plans
• Capital gains exposure
• Tax-loss harvesting opportunities
• Required minimum distributions

The goal isn't simply lowering taxes. It's making decisions that support your long-term financial objectives.

What's one tax-related decision you should revisit before the end of the year?

10/15/2026

Whether you have life insurance through work, are retired, or raising a family, it pays to know the truth about life insurance coverage.

Whether you have life insurance through your work or are retired it pays to know the truth about life insurance coverage.

10/14/2026

Estate planning isn't just about protecting assets. It's about helping loved ones when they need it most.

Today, many important parts of our lives exist online.

Think about:
• Financial accounts
• Email accounts
• Password managers
• Cloud storage
• Digital assets
• Subscription services

Without a clear process, loved ones may struggle to access important information during a difficult time.

A thoughtful digital estate plan can help reduce stress when it matters most.

Have you made it easy for trusted family members to locate important information if needed?

10/12/2026

Future healthcare costs deserve a place in your retirement plan.

For eligible individuals, a Health Savings Account can be more than a way to pay current medical expenses.

When used strategically, an HSA may help support:
• Future healthcare costs
• Retirement planning goals
• Tax-efficient savings strategies

The key is making sure the account fits into your broader financial picture.

As healthcare costs continue to rise, it's worth reviewing whether your HSA strategy still aligns with your long-term goals.

Is your HSA working as hard as the rest of your retirement plan?

Synthesis can help determine how healthcare planning fits into your overall retirement strategy.

10/09/2026

Healthcare costs can have a bigger impact on retirement than many people realize.

Medicare Open Enrollment, running from October 15 through December 7, is an important opportunity to make sure your coverage still fits your needs and budget.

Take time to review:
• Prescription coverage
• Provider networks
• Premiums and deductibles
• Pharmacy preferences
• Expected healthcare needs for the year ahead

Even small plan changes can affect both your healthcare experience and your retirement cash flow.

A few minutes of review today may help prevent unexpected costs tomorrow.

10/08/2026

Stocks finished the third quarter mixed. The S&P 500 gained 2.03%, and the Nasdaq Composite rose 2.47%, while the Dow Jones Industrial Average slipped 2.70%. Halloween is next on the calendar, with U.S. consumers expected to spend \$13.5 billion USD this year and 6.26 million Canadian children in their trick-or-treating years.

Stocks were mixed in the third quarter as economic, geopolitical, and corporate earnings news pushed the broad market higher while weighing on the Dow Industrials.

10/08/2026

Second homes have unique risks and insuring them is different than a primary home.

There are unique risks of owning a second home and obtaining the proper coverage may protect you from financial risk.

10/07/2026

What do you want your money to accomplish?

World Financial Planning Day is a good reminder that financial planning isn't really about money.

It's about the life you want to build.

For many families, financial decisions are connected to things like:
• Retiring with confidence
• Supporting children or grandchildren
• Making a career transition
• Managing healthcare costs
• Giving back to important causes
• Creating a lasting legacy

The most effective financial plans start with a simple question:

What matters most to you?

Once that answer is clear, financial decisions become easier to prioritize and more meaningful to pursue.

What's one goal your financial strategy should be helping you achieve right now?

Synthesis Wealth Planning helps individuals and families review their financial plans to ensure they are designed around their goals, values, and vision for the future.

10/05/2026

You've worked hard to build your wealth. How well is it protected online?

Financial security today extends beyond investment accounts and insurance policies.

Cybercriminals increasingly target:
• Banking accounts
• Retirement accounts
• Email accounts
• Payment apps
• Personal information

Simple habits can help reduce risk:
- Use unique passwords
- Enable multifactor authentication
- Monitor account activity
- Verify unexpected requests

Protecting your assets includes protecting the digital tools connected to them. Take the time to strengthen your online security.

10/02/2026

Is your financial plan keeping up with your life?

Life rarely stands still. Careers change. Families grow. Priorities evolve. Retirement gets closer.
That's why a financial plan shouldn't be something you create once and file away.

A strong financial plan helps connect the decisions that matter most:
• Building and preserving wealth
• Planning for retirement
• Managing taxes efficiently
• Protecting loved ones
• Preparing for healthcare costs
• Creating a legacy

The question isn't whether you have a plan. The question is whether your plan still reflects the life you're living today. This Financial Planning Month, take a fresh look at one area of your financial life that may need attention.

If it's been a while since you've reviewed your plan, Synthesis Wealth Planning can help identify opportunities, address gaps, and make sure your strategy aligns with your goals.