Category: Uncategorized
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How to Prepare for Unexpected Expenses Without Derailing Your Financial Goals
Even the best financial plans can hit a few bumps in the road. Whether it’s a major car repair, a medical bill, or a sudden home expense, life has a way of testing our financial flexibility. The good news? With a little preparation, you can handle those surprises without losing sight of your long-term goals.…
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Market Update: September 29 – October 6, 2025
Over the past week, U.S. stocks continued to show strength despite growing political and economic headwinds. The S&P 500 and Nasdaq both rose, driven by optimism in tech and AI sectors—particularly after AMD announced a major chip-supply deal with OpenAI, pushing its stock sharply higher and boosting sentiment across AI-related names. Even so, the…
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Should You Pay Off Your Mortgage Early or Invest Instead?
For many families, the mortgage is the largest monthly bill — and one of the biggest long-term financial commitments. It’s natural to wonder: Should I throw every extra dollar at paying down the house, or should I put that money to work by investing it? The truth is, the “right” choice depends on your financial…
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The Hidden Costs of Debt: Why Paying It Off Should Be Part of Your Financial Plan
When people think about financial planning, they often focus on investments, retirement accounts, or saving for a child’s education. While those goals are important, one piece of the puzzle often gets overlooked: debt. Carrying debt—whether it’s credit cards, car loans, or even student loans—can quietly drain your financial health in ways you may not realize.…
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How to Balance Paying Off Debt While Still Investing for the Future
For many families, one of the toughest financial questions is whether to pay down debt or invest for the future. Both are important, but striking the right balance can feel overwhelming. The good news? With a thoughtful approach, you don’t have to choose one over the other. You can create a plan that moves you…
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What Just Happened: The Fed’s First Rate Cut of 2025 & What Comes Next
On September 17, 2025, the U.S. Federal Reserve reduced its benchmark interest rate by a quarter-percentage point, moving it to a range of 4.00%–4.25%, from its prior higher range. This is the first time rates have been cut in 2025. Along with the cut, the Fed signaled there will likely be two more rate…
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The Cost of Raising Kids: How to Plan Beyond Daycare and Sports Fees
Most parents already know kids aren’t cheap. Between daycare, school supplies, and sports fees, the costs can feel never-ending. But the real financial impact of raising children often goes far beyond the visible, day-to-day expenses. A thoughtful financial plan can help you prepare not only for the current costs of raising children but also for…
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Why Every Family Should Have a Financial Plan (Even if You Think You’re Doing Fine)
When life feels comfortable — bills are being paid, savings is happening, and things seem on track — it’s easy to assume a financial plan isn’t necessary. But the truth is, families that appear to be “doing fine” often face hidden risks or missed opportunities that only surface years later. A financial plan isn’t just…
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How to Start Saving for College Without Derailing Retirement
For many families, saving for both college and retirement can feel like a financial tug-of-war. With rising tuition costs and longer life expectancies, it’s easy to feel like you’re being forced to choose between your children’s future and your own. The good news? With thoughtful planning, you don’t have to choose. At Full Circle Financial…
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Market Update: August 12 – September 2, 2025
Markets moved through a period of cautious optimism into renewed volatility in late August and early September. The rally that began in mid-August lost some steam in the final days as bond yields surged and inflation concerns resurfaced. Markets Begin With Ease, End With Volatility In mid-August, equity markets rallied. The S&P 500, Nasdaq, and…
