Applied Financial Wisdom

Applied Financial Wisdom Our mission is to help our clients work toward financial independence through planning. Dave Ramsey SmartVestor

Yom Kippur is a sacred time of reflection, atonement, and renewal.For those observing, it is a time to pause, look inwar...
09/18/2026

Yom Kippur is a sacred time of reflection, atonement, and renewal.

For those observing, it is a time to pause, look inward, make amends, and consider how to move forward with greater intention.

In a world that often moves quickly, moments of reflection can remind us of what matters most: our relationships, our values, our responsibilities, and the kind of life we want to build.

Wishing all who observe a meaningful Yom Kippur and an easy fast.

Google co-founder Sergey Brin recently bought a $42 million mansion on Lake Tahoe.But the most interesting part of the t...
09/17/2026

Google co-founder Sergey Brin recently bought a $42 million mansion on Lake Tahoe.

But the most interesting part of the transaction isn’t the private beach. It's the exact state line where the property sits.

The estate is on the Nevada side, in Crystal Bay. The purchase was part of a strategy to shift his permanent residency and corporate holdings out of California ahead of a proposed 5 percent billionaire wealth tax.

Let's be realistic: there probably aren't many billionaires reading this post.

But we have seen clients:

▪️ Move in advance of a major liquidity event to a lower-tax state

▪️ Shift their permanent residence to help manage their taxes

▪️ Evaluate how state-imposed estate and inheritance rules may impact where they live in their later years

Tax strategy is a year-round discipline, not an annual scramble.

Whether you are preparing for a business exit or mapping out your retirement years, we’re here to help.

Any companies mentioned are for illustrative purposes only. It should not be considered a solicitation for the purchase or sale of the securities. Consult your tax, legal, and accounting professional if you are considering a decision in order to manage your tax situation.

Costa Rica, El Salvador, Guatemala, Honduras, and Nicaragua all celebrate independence on September 15, the same day His...
09/15/2026

Costa Rica, El Salvador, Guatemala, Honduras, and Nicaragua all celebrate independence on September 15, the same day Hispanic Heritage Month begins. Mexico follows on the 16th.

There’s a lot of pride behind the celebration: in heritage, in family, in what's been built, and in generations of hard work that made it possible.

To all of us keeping that tradition alive: Happy Hispanic Heritage Month.

Which month historically gives the S&P 500 its biggest headache?If you said October, think again!Although October has a ...
09/14/2026

Which month historically gives the S&P 500 its biggest headache?

If you said October, think again!

Although October has a reputation for market events, September is actually the month that's experienced more downturns.

September finishes higher less than half the time (historically around 44 percent).

There are theories behind it.

Institutions often rebalance their portfolios at the end of the third quarter, adding to the volatility.

Traders return from a slower summer, which can shake up trading.

And the federal government's fiscal year ends September 30, so budget uncertainty also tends to land in September.

📰 Did you already know this? Or is this new news?

📋The S&P 500 is an unmanaged index that is considered representative of the U.S. stock market. Index performance is not indicative of the past performance of a particular investment. Past performance does not guarantee future results. Individuals cannot invest directly in an index.

Twenty-five years ago today, the world stopped.Never forget the lives lost. The families who carried on without them. Th...
09/11/2026

Twenty-five years ago today, the world stopped.

Never forget the lives lost. The families who carried on without them. The first responders who ran toward danger without hesitation.

And the unity that followed.

Some days aren't about lessons or takeaways. They're just about remembering.

📌 Most families think they have until next June to file the FAFSA.For a lot of state and school aid, that's already too ...
09/09/2026

📌 Most families think they have until next June to file the FAFSA.

For a lot of state and school aid, that's already too late.

FAFSA for the 2027-28 school year is set to open on October 1.

The federal deadline runs through June 30, 2028, but most states and colleges set their own deadlines, some as early as January, and aid is often awarded on a first-come, first-served basis.

File in October, and you're near the front of the line. Wait until spring, and the aid you were counting on may already be spoken for.

Tip: Create your FSA ID at StudentAid.gov before October 1 arrives, ahead of the day-one rush.

If you have a student applying to college this year, make a note in your calendar.

Do you know who just took the helm of the Fed?Kevin Warsh is the new Federal Reserve Chair, though most people have neve...
09/08/2026

Do you know who just took the helm of the Fed?

Kevin Warsh is the new Federal Reserve Chair, though most people have never heard his name. Unlike his predecessors, he doesn't have an academic background. He spent the last decade and a half at a private investment firm, not in a university lecture hall.

He's already signaling a different approach, promising shorter statements and more transparency in how the Fed communicates.

That matters more than it might seem. The Fed Chair's decisions ripple through the economy, affecting everything from mortgage rates to car loans to credit cards.

Lately, we've heard one question more than any other: What does this mean for me? Honestly, it depends on your situation. But knowing who's steering the ship is where smart financial decisions start.

What's your biggest question about this shift at the Fed?

A long weekend gives us space to step back from work and reflect on the life we are building.We honor the work our clien...
09/07/2026

A long weekend gives us space to step back from work and reflect on the life we are building.

We honor the work our clients have done to build what they have. And we help make sure it actually serves their lives.

🗽 Wishing you and your family a meaningful Labor Day weekend.

Applied Financial Wisdom’s Christopher Ruspi Speaks at Exclusive LPL Financial Focus SessionRAPID CITY, S.D. — August 14...
09/04/2026

Applied Financial Wisdom’s Christopher Ruspi Speaks at Exclusive LPL Financial Focus Session

RAPID CITY, S.D. — August 14, 2026 — Christopher Ruspi of Applied Financial Wisdom recently served as a speaker during “Growing Your Business, Your Way: Community-Powered Client Acquisition,” an exclusive pre-session held in conjunction with LPL Financial’s Focus conference in San Diego.

To view more of this press release, please visit our website below:
https://www.appliedfinancialwisdom.com/press-release

Recent data regarding men's health highlight a critical reality that deserves closer attention:1 in 8 men will be diagno...
09/03/2026

Recent data regarding men's health highlight a critical reality that deserves closer attention:

1 in 8 men will be diagnosed with prostate cancer in their lifetime.

Excluding non-melanoma skin cancer, it stands as the most commonly diagnosed cancer in U.S. men. While that statistic is stark, the turnaround potential is incredible:

🚀 When caught early, the 5-year survival rate exceeds 99 percent.

Here are the most critical facts to know about risk and prevention:

◾ The Age Factor: Approximately 6 in 10 cases are diagnosed in men aged 65 or older.

◾ Family History: Risk increases for individuals with a father or brother who has battled the disease.

◾ The Silent Nature: Early-stage prostate cancer rarely shows any symptoms at all, making proactive screening the ultimate defense.

The American Cancer Society recommends speaking with a healthcare provider to make informed decisions about testing. This conversation typically begins at age 50 for average-risk individuals and earlier (around age 40 to 45) for those with a strong family history.

Consider sharing this information with a colleague, friend, or family member who might need a reminder to prioritize their next check-up.

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