Roger McDevitt III, Financial Advisor

09/01/2026

Research shows that 42% of households would face financial hardship within six months should a wage earner die unexpectedly. Even worse, 25% would suffer financially within a month. Protect those you love – learn about life insurance today!

08/27/2026

Most people prepare for the big healthcare costs in retirement: Medicare premiums, prescription drug coverage, and maybe extended care insurance. That’s a great start.

But some costs can sneak up later. Fidelity estimated lifetime healthcare spending for 2025 at around $330,000 per couple, excluding extended care. What that number often misses are expenses that fall outside most retirement budgets. Here are three worth knowing about.

Prescription Drugs Not Covered
A new federal rule caps Medicare Part D out-of-pocket costs for covered medications at $2,000 per year. The keyword is “covered.”

That cap only applies to drugs on your prescription drug list. With nearly 500 Medicare drug options available, the lists vary widely. Consider a medication that runs about $9,000 per month. If your coverage includes it, you pay no more than $2,000 for the year. If it’s not on your list, you might be responsible for the full amount.

It pays to review your prescription drug list every year, especially for high-cost medications. Insurers and drug lists change annually, so what was covered last year may not be this year.

The Hidden Cost of Living Remotely
Moving to a quieter, more scenic spot is a wonderful retirement choice for many people. Just make sure you’ve thought through what healthcare access looks like down the road.

People in places like rural Alaska have always factored in the distance from hospitals. But many retirees who move to peaceful areas early in retirement don’t think that far ahead.

Concierge Medicine
In some areas, concierge medicine may be an option.

Concierge medicine is a healthcare model where patients pay a monthly or annual membership fee directly to their physician in exchange for enhanced, personalized care. Unlike traditional practices, concierge doctors limit their patients to a few hundred, giving members same-day or next-day appointments, longer office visits, and direct access to their doctor by phone, text, or email.

The model appeals to patients who want a closer relationship with their physician and faster access to care

08/25/2026

Want to learn more about the 2026 tax law changes? See the article below!

https://www.library-messages.com/c3782295-bfe9-427d-9dc1-5d46d25727f3/resource-center/tax/2026-tax-law-changes

08/21/2026

August 21st is Senior Citizens Day. The world is a better place with Seniors in it, because they have so much to give. The old adage says age is just a state of mind, so make today fun and free-spirited!

If you’ve been putting off the retirement planning question, there’s no time like the present! Schedule some time with our office to get the conversation started! 🗓

08/18/2026

College is an opportunity for your children to achieve some self-reliance. That includes managing their finances! Before drop-off day, be sure to have the (Spending) Talk with them and emphasize the info about credit cards from this helpful article.

Not sure how to avoid debt from credit cards in college? Find out the key tips for dealing with college student credit card debt effectively.

08/13/2026

Ready to tackle back-to-school season without breaking the bank?

Discover these easy-to-use budgeting hacks to ease the financial strain. Swipe on for clever tips to help start the school year off on the right foot!

Know someone who could use these tips? Tag them to share!

08/12/2026

Markets navigated mixed signals in July. Inflation eased, tech faced pressure, and energy surged. Meanwhile, Americans are planning record travel spending in 2026: \$1.37 trillion. What's shaping your household budget this summer?

Monthly Market Insights | August 2026 U.S. and Canadian Markets Stocks were mixed in July as investors navigated a cross-current of news on the outlook for AI spending and Q2 corporate reports. The Dow Jones Industrial Average led, adding 0.32 percent. The Standard & Poor’s 500 Index edged down 0....

08/11/2026

Your home can be every bit as rewarding as a fancy resort or far-away campsite. These fun things to do will keep you and your little ones busy, happy and learning for weeks. After all, the best memories are often made right in your own backyard!

You'll likely start some new family traditions this season.

08/06/2026

August is nationally recognized as Make a Will Month. Although discussing wills may feel uncomfortable or seem far-off, it presents an important opportunity to reflect on our lives, our values, and the legacy we wish to leave behind.

Crafting a will is more than just designating asset distribution; it's a great first step in considering the legacy we want to leave the world and our loved ones. A well-thought-out will can provide guidance for those left behind. Whether providing the future of family members, supporting cherished causes, or ensuring our assets are distributed according to our wishes, a will is a lasting statement of our intentions and legacy.

If you haven't made a will yet, if your existing will needs revising, or if it's been several years since you created your last one, August is an ideal time to do so. Why August? It's just over the half-year point and far enough away from the holiday season that you have time to really sit down and review your estate strategy. We're happy to help.

Remember, creating a will isn't about focusing on the end; it's about acknowledging the life you've led and your wishes are carried out as you intend. It's about outlining your goals not only for yourself but also for those you care about. It's your chance to leave a legacy that can be carried forward after you're gone.

Please don't hesitate to reach out if you have any questions or need support during this process. We're here to help you navigate this task with care and sensitivity.

Use this opportunity to consider your legacy and how you want to shape it. After all, our lives are a testament to the stories we write, the love we share, and the difference we make.

08/04/2026

Tip Tuesday: Use your phone or camera to take a video of your home and belongings. Keep it in a safe space. It make come in handy someday.