Blogs
Part 1 of 5: What Does It Cost? — The Price of Borrowing in Today’s Economy
Welcome to Part 1 of our five-part series, “What Does It Cost?” — a deep dive into the hidden, not-so-hidden, and often misunderstood costs behind major financial areas of life. Over the coming weeks,
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OpenAI at Three Years: A Financial Planner's Perspective on Progress, Potential, and the Preservation of Values
In November 2022, OpenAI was still a relatively nascent organization, its potential whispered about in tech circles but not yet fully grasped by the wider world. Today, as we look back at this date, t
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Financial Markets and Economic Trends Through 2025
The past year delivered a combination rarely seen: solid economic growth, easing inflation, and strong market performance—despite a steady stream of uncertain headlines. Together, these dynamics offer
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How the December 2025 Fed Rate Cut Could Shape Your Finances
The Federal Reserve wrapped up 2025 with a decision that has sparked significant discussion across economic and financial circles. On December 10, the Fed reduced its benchmark interest rate by 0.25%,
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Fall Into Smarter Tax Planning
As the leaves change and the year winds down, it's a perfect time to refresh your tax strategy. Just like a crisp autumn breeze signals change, this season calls for a “financial fall cleaning.” Tax-l
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5 Financial Topics to Discuss This Thanksgiving
Thanksgiving is a time for family, gratitude, and let’s face it—some intriguing dinner table discussions. As we gather around with loved ones, it’s natural for the conversation to wander into finances
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Navigating the Current Financial Landscape: Key Insights
Each quarter presents unique insights. The dynamics of interest rate expectations, international news, and shifting policies are continuously shaping the financial landscape. Investors who thrive are
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Maximizing Financial Security for HNW Clients During Planning Month
Recognizing National Financial Planning Month October is National Financial Planning Month, a perfect time for high-net-worth (HNW) individuals to take stock of their financial health. This annual spo
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How a Government Shutdown Might Impact Your Finances
When the federal government experiences a partial shutdown, it can create a wave of uncertainty affecting everything from daily life to long-term financial planning. Many Americans may wonder which se
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Fed's September Meeting: A Potential Economic Turning Point
As we navigate through uncertain economic times, many find themselves concerned about job security, savings, and investments. The Federal Reserve's recent decisions highlight a potential turning point
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4 Smart Financial Moves to Make Before the Year Ends
The end of the year is fast approaching, making this a great moment to take control of your financial planning. It’s completely normal for financial tasks to feel overwhelming, but taking small,proact
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4 Smart Financial Moves to Make Before Year-End
The end of the year is fast approaching, and it’s a perfect time to take control of your financial planning. It’s normal for money-related tasks to feel overwhelming, but a few proactive steps now can
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Understanding Jobs Data Revisions and Financial Impacts
The recent August jobs report has caused quite a stir. With only 22,000 jobs created—falling far short of the 75,000 expected—uncertainty looms over many about their financial future. This is exacerba
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Understanding OBBBA: What Seniors Need to Know Now
Navigating legislative changes can feel intimidating for older adults, especially when those changes influence health coverage, taxes, or long-term care planning. The newly passed One Big Beautiful Bi
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Understanding 5 Key Economic Terms Made Simple
Economic jargon can feel overwhelming, especially when you're trying to make smart decisions about your financial future. This guide breaks down five commonly referenced economic terms to help you bet
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5 Key Economic Terms Made Simple
Economic jargon pops up everywhere—from headlines to daily market updates—and it can feel overwhelming when you’re trying to make confident decisions about your financial future. Think of this guide a
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Back-to-School Financial Strategies for Parents
The back-to-school season is upon us, bringing a whirlwind of new routines and expenses. Whether you're grappling with tuition, reevaluating savings strategies, or simply juggling the costs of a new s
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How the One Big Beautiful Bill Act Reshapes Estate Planning
High‑net‑worth families often find themselves navigating a maze of financial decisions, especially when it comes to protecting multigenerational wealth. With the passage of the One Big Beautiful Bill
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One Big Beautiful Bill Act: Navigating New Estate Planning
The recent passage of the One Big Beautiful Bill Act (OBBBA) brings notable changes to the estate and gift tax planning landscape, especially for high-net-worth individuals and families. Navigating th
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Navigating Financial Markets with Minsky Wisdom
In today's unpredictable financial climate, it's crucial to observe before reacting. Hearing stories like a participant's wary response this morning upon receiving an email from their financial adviso
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Mixed End to 2024: Stock Market Trends and Beyond
Stock Market: A Year of Highs and LowsDecember 2024 closed with a mixed performance across major U.S. equity indexes. While the Nasdaq 100 celebrated a monthly all-time high with a 0.39% gain, the Dow
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Should I Invest in a 401(k), Traditional IRA or Roth IRA in an Effort to Achieve My Lifestyle Goals?
Not all investment strategies are created equal. Whether you’re approaching your 30th birthday or 80th, every income-earning adult should have a solid savings plan in place that aligns with their life
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Heintz Wealth Now Provides Life Insurance and Annuity Solutions
As a fiduciary, we are committed to helping you find solutions that are best suited to you and your financial goals. To better serve you, Heintz Wealth Management recently joined with DPL Financial Pa
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Do I Have Enough Money Saved for Retirement? Ask Yourself These 6 Questions
According to a 2023 survey from the American Advisors Group, 38% of U.S. adults think they’ll need less than $250,000 to retire comfortably — while 25% believe they’ll need over $1 million. This clear
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5 Reasons Why You May Feel Unfulfilled in Life (Even If Your Finances Are Fine)
You’ve played by the rules, diligently saved, climbed the professional ladder and built a nest egg that would make anyone proud. Yet, something still feels missing — like you haven’t yet found your pu
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What Is Dollar Cost Averaging and Why It Doesn’t Work in Retirement
When markets are down, there are two types of investors. Those licking their wounds and those licking their chops. If you are in the former category, seeing your portfolio right now might be painful.
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Newsworthy items
Outside of doing what you can to be your best financially, there are other factors that can steer you in a different direction. Covid-19 would be the most recent example. Here are a few other items be
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From Maple Street to Main Street to Wall Street
Greetings from Scottsdale, 2020 has been an unprecedented year with what we have endured. We’ve seen massive disruptions in most aspects of our lives running the gamut from Maple Street to Main Street
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Creating Purpose From Excess
On any given July morning, you would normally find me up at 5am with coffee watching the Tour de France. The tour usually starts early in the month, goes for 21 stages, and lasts most of July. Not sin
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Giving Credit Where Credit is Due
“Stop revolving between attribution, validation and attention. Start settling into compassion.” ― Nitya Prakash With the stock market reaching all time highs, the global pandemic uprooting our livelih
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Back to School
It’s hard to believe that we are now six months into the pandemic. It seems that everything has changed while paradoxically, nothing has. Typically, by this time of the year, my kids and I would just
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The First Health is Wealth
I understand many of you are going through some major changes in your daily lives. I use the principal of “plan for the worst, hope for the best.” Hopefully these aren’t the worst of times for you,
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Don’t Give Up What You Want Most for What You Want Now
The global impact of the Coronavirus crisis is unprecedented in our lifetimes. Many of us are feeling tired. Anxious. Afraid. We are all trying to figure it out day by day and do the best we can. It c
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Opportunities from the CARES Act
With the recent passage of the CARES Act, there are opportunities to help reduce your tax burden as well as support your community through charitable giving. Some of these provisions create an intere
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The Baby’s Been Thrown Out With the Bathwater
Hi everyone- I hope this note finds you all healthy and safe. I wanted to reach out to you with some major changes from the past week and what Heintz Wealth Management is doing to maximize all availab
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Your 401k is Like Your Face, Don’t Touch It
Good morning, This outbreak is affecting our daily lives now. We’re watching the super markets as much as the stock markets. Many of you are making changes to adjust. Trips are being cancelled, sch
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A Nation Shuts Down
Greetings. Bud here again with another report from rainy Scottsdale, Arizona. These are not normal times, and not normal of me to send notes to you as often as I have. I wanted to share more items ag
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