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As a financial advisor and owner of Kennedy Financial Network, it's my goal to not only manage your investments and guide your financial path, it's my goal to help you maximize your financial potential so that you can live your best life. We do that by illuminating and engendering good financial habits as a whole. Each month we'll explore a theme that will highlight important topics that will hopefully broaden your knowledge and sense of mastery so that day-to-day decisions contribute in big and small ways to your success. If there's a topic you'd like to see covered, don't hesitate to make a request. If you'd find it interesting and valuable, surely someone else will too! 

Thursday, April 16, 2026

For many families, passing down the values that shaped their financial success is just as important as transferring the wealth itself. Yet parents and grandparents often find it challenging to clearly communicate principles around...

Tuesday, March 10, 2026

Nothing puts a damper on travel like an emergency. However, being prepared can go a long way toward reducing the stress and chaos that can accompany an unexpected event, especially when traveling outside of the United States...

Tuesday, March 3, 2026

Scams targeting older adults are growing rapidly in both frequency and financial impact. While anyone can fall victim to fraud, criminals often see seniors as especially valuable targets. They may believe older adults have more savings...

Friday, February 20, 2026

It’s easy to fall into comfortable patterns and reliable routines. However, a growing body of research indicates that shaking things up once in a while with novel and unusual experiences is crucial for brain health as you age...

Friday, January 16, 2026

According to a recent survey, two-thirds of Americans are experiencing moderate to high financial stress, and half aren’t financially prepared for the unexpected. Concerns stemming from insufficient savings, rising healthcare costs...

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Monday, December 22, 2025

Changes are in store for Medicare in 2026, including the implementation of Medicare-negotiated lower prices for a set of high-cost prescription drugs. The Centers for Medicare & Medicaid Services recently announced these...

Tuesday, December 16, 2025

About six months before historically high gift, estate, and generation-skipping exemption levels were scheduled to expire, legislation changed course. The One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025, made these...

Monday, December 8, 2025

It’s hard to believe 2025 is already coming to a close. The year seems to have flown by. As we head into the final stretch, this is the perfect time to pause, take stock, and make sure your year-end planning is on track...

Monday, November 24, 2025

Are you traveling this holiday season? It's gotten more common than ever. Each year seems to break the last record, and this year’s shaping up to be no different. AAA says more than 81.8 million Americans are expected to travel between...

Monday, November 10, 2025

As the government shutdown pauses SNAP benefits, many families are understandably feeling uncertain. If you’re one of them, please know this: you are not alone. Across New Mexico and all across the country, neighbors, nonprofits, and...

Tuesday, October 28, 2025

We live so much of our lives online these days. Photos, emails, social media, banking, even our Netflix and Spotify accounts, it’s all digital. But here’s the question most of us don’t think about: what happens to all of that if...

Friday, October 24, 2025

If you’re looking for ways to maintain or improve important health markers as you age, consider IWT. What is IWT? IWT stands for interval walking training, a science-backed exercise protocol developed by Japanese researchers to improve...

Monday, October 20, 2025

Good news for seniors: beginning with the 2025 tax year, anyone age 65 or older can take a new Senior Bonus Deduction of up to $6,000 per person (or $12,000 for couples if both...

Monday, September 29, 2025

Let’s face it, the cost of just about everything is going up. From groceries to gas, utilities to housing, many retirees are feeling the pinch. If you’re looking for simple, practical ways to ease the pressure and make your money go...

Thursday, September 25, 2025

As we approach Medicare’s Open Enrollment period (October 15 – December 7, 2025), we want to bring attention to something important: scams targeting Medicare recipients are on the rise and they’re becoming more sophisticated...

Wednesday, September 3, 2025

Emergencies don’t wait for a convenient time to strike. Whether it’s a wildfire, flood, power outage, or other unexpected event, having a plan in place can make all the difference. One of the simplest and most effective ways to prepare...

Tuesday, August 26, 2025

Every year, on August 26, we celebrate Women’s Equality Day, and every year, it makes me pause and reflect—not just on how far we've come, but on how far we still need to go. As someone who’s spent time in the financial industry...

Friday, August 22, 2025

Having more time to relax and recharge is something many people look forward to in retirement. It's lovely to go at your own pace. However, spending too much time alone or scrolling cat videos can be detrimental to your physical and...

Friday, August 15, 2025

Since 2019, property taxes have increased nearly 30% nationwide and U.S. homeowners are feeling the pinch. In one survey, 66% say their bill was higher than they had budgeted and 74% worry about paying even more in the near future...

Tuesday, July 29, 2025

According to health experts, there may be more to the saying, “a place for everything and everything in its place,” than initially thought. That’s because a lack of order due to clutter can not only cost time and money but can create...

Thursday, July 24, 2025

July 24th marks International Self-Care Day, a global reminder that taking care of ourselves—physically, mentally, and emotionally—is essential to living a balanced and fulfilling life. But there’s one aspect of self-care that often gets...

Tuesday, July 15, 2025

While retirement is a significant milestone, it’s important to remember that it doesn’t mark the end of your journey, but the beginning of the next phase of your life. Ideally, you can enjoy this phase for several decades...

Friday, June 27, 2025

When it comes to consumer confidence, egg prices continue to take center stage. According to the U.S. Bureau of Labor Statistics, the average price for a dozen Grade A eggs finally began to decline in April, after reaching a record high...

Monday, June 23, 2025

While a recent retirement industry report finds most retirees are living the lifestyle they envisioned, more than half of those surveyed say they are choosing to spend less due to worries they will run out of money...

Tuesday, May 20, 2025

Investors have become increasingly concerned about a potential slowdown or recession in the months ahead. While no one can predict with accuracy when specific market or economic events may occur, we know that a downturn can and may occur...

Wednesday, May 14, 2025

Since 1949, Mental Health Awareness Month has been observed in May, and each year more individuals and organizations come together to raise awareness and advocate for improved mental health resources and care...

Monday, April 28, 2025

Cyber scams are nothing new, but they have become more prevalent and easier to create due to the advent of artificial intelligence, ChatGPT, and other technological advances. According to the FBI’s Internet Crime Complaint Center (IC3)...

Monday, April 21, 2025

A new Social Security Administration (SSA) rule requires beneficiaries who have been accidentally overpaid to repay 100% of the overpayment amount. This reverses a previous policy that limited recoupment to 10% of the overpayment amount...

Monday, April 14, 2025

Consumer confidence plummeted in March to its lowest level since January 2021, amidst growing concerns that the U.S. may slip into a recession. While economists are mixed on the potential for a recession in the months ahead...

Friday, April 4, 2025

Unpaid caregivers form the backbone of our long-term care system of services and supports, with much of that burden falling on women in or nearing retirement. According to the U.S. Department of Labor, women aged 55 or older account for...

Friday, April 4, 2025

Staying invested during market declines can be challenging. It’s human nature to feel afraid when the market dips and headlines make it all the worse. When the market starts a downturn, financial advisors turn to the data. Ultimately...

Wednesday, March 26, 2025

Managing cash flow in retirement is a critical piece of the planning for your funds to last your lifetime. Yet, events outside of your control, such as a change in health status, sudden market downturn, increase in inflation, or a...

Friday, March 7, 2025

March is Women's History Month. We have come so far, and yet not far enough. As we celebrate this special month, and with International Women's Day upon us, let's take a moment to reflect on the substantial contributions women have made...

Monday, February 24, 2025

It’s no secret that stress, diet, and exercise, as well as genetic and environmental factors can all play a role in heart health. But what about travel? One study found that frequent vacations may help protect against the risk of...

Tuesday, February 18, 2025

If you are required to take minimum distributions from a qualified retirement plan this year, you’ll want to brush up on two rule changes that can help you manage taxes on your income in retirement. RMDs are the required withdrawals...

Saturday, February 1, 2025

Black History Month is a time to reflect on the rich history, culture, and contributions of Black people to society, and it's an essential observance for several reasons. While the celebration of Black history should be ongoing, this...

Monday, January 27, 2025

Health experts have long believed that exercise may help slow the progression of cognitive decline in older adults. However, until recently, little was known about how quickly these benefits may be seen...

Monday, January 20, 2025

Martin Luther King Jr. stands as one of the most pivotal figures in American history, not only for his leadership in the Civil Rights Movement but for his enduring legacy in the fight for equality, justice, and human dignity...

Thursday, January 16, 2025

Thanks to a “super catch-up” option under the Secure 2.0 Act, effective January 1, 2025, workers ages 60 to 63 have a chance to contribute an additional $3,750 to their employer-sponsored retirement accounts, for a total catch-up...

Friday, December 20, 2024

The winter solstice is one of the most significant astronomical events of the year. It marks the shortest day and the longest night, when the Earth’s tilt causes the sun to reach its southernmost point in the sky...

Tuesday, December 17, 2024

Volunteering abroad continues to grow in popularity among travelers aged 50 and up. Not only does it allow for more immersive travel experiences, but it also provides travelers seeking to explore a new country or culture with an...

Wednesday, December 11, 2024

While people often view year-end planning from a tax perspective, there’s a lot more to it than tax considerations. It also offers a great opportunity to assess your overall financial health and identify strategies that can help you...

Monday, December 2, 2024

Making monetary donations is an important way to support the not-for-profit organizations you’re passionate about—but it’s not the only way. Volunteering is another important way to help fulfill your philanthropic goals while helping...

Thursday, November 21, 2024

With the holidays upon us, it's that time of year again when we reflect on that which we are thankful for, which naturally brings feelings of gratitude and generosity. A common tradition in American culture, is to buy gifts for others...

Tuesday, November 19, 2024

For a growing number of parents and grandparents, 529 education saving plans have become a centerpiece of their gifting strategies. In addition to furthering their family’s education planning goals, these popular education savings plans...

Friday, October 25, 2024

Big changes are on the horizon for Medicare Part D drug plans thanks to the Inflation Reduction Act of 2022. One provision you may be familiar with already went into effect in 2023: the $35 cap on the price of Part D covered insulin...

Wednesday, October 16, 2024

Donor-advised funds (DAFs) have become increasingly popular among individuals and families seeking to fulfill their charitable giving and tax planning goals due to their flexibility and ease of implementation...

Wednesday, October 2, 2024

October is National Estate Planning Awareness Month. As a financial advisor, I regularly ask clients if they have established an estate plan, and whether they have executed power of attorney documents. If something happens to reduce your...

Monday, September 23, 2024

While Americans’ confidence about the ability to support their goals in retirement has not returned to prior levels, nearly three-quarters of retirees say they are confident they will have enough money to live comfortably throughout...

Monday, September 16, 2024

Whether you celebrate National Hispanic Heritage month by spending time with your familia and hearing their stories, or whether you’re taking this opportunity to learn more about these rich and diverse cultures, we wish you...

Friday, September 13, 2024

As year-end approaches, so does the deadline for taking required minimum distributions (RMDs) from your tax-deferred retirement accounts to comply with federal tax laws. You generally must start taking these withdrawals from your...

Monday, August 26, 2024

In the words of Susan B. Anthony, a pioneering figure in the suffrage movement, "Organize, agitate, educate, must be our war cry." Let us carry forward this spirit as we honor Women’s Equality Day this year and every year.

Wednesday, August 21, 2024

In recent years, multigenerational family travel has emerged as a top trend, especially among families whose members are geographically separated. According to the Family Travel Association, 54% of grandparents surveyed say they have...

Wednesday, August 14, 2024

While entering retirement marks an exciting milestone, it’s hardly the finish line. Rather, it’s the start of a whole new chapter where you have increased freedom to decide how you’ll spend your time, who you’ll spend it with, and where...

Monday, July 22, 2024

Even before summer officially began this year, many parts of the country had already experienced record high temperatures. While heat waves can pose health risks for people of any age, young children and adults age 65 and over are...

Tuesday, July 16, 2024

Don't you love catching up? Whether it's reconnecting with friends and family members or just getting where you need to be after running behind, catching up feels good. For investors nearing retirement, catch-up contributions...

Thursday, June 20, 2024

A legacy kit is essentially a roadmap that loved ones can follow to carry out your wishes now, and after you’re gone. The AdviceWorks® client portal makes it easy to get started creating your kit. AdviceWorks is a secure vault for your...

Monday, June 17, 2024

How do you sleep at night? During sleep, our bodies perform a broad range of important repair and maintenance processes, making restorative sleep a necessity for overall health and wellbeing. Sleep not only helps...

Monday, June 10, 2024

On a sunny Friday in June of 2015, the Supreme Court of the United States made a monumental decision in Obergefell v. Hodges, which drastically changed the country's social and financial landscape...

Thursday, May 30, 2024

Leaving a lasting legacy for multiple generations is a goal many families share. However, studies estimate that 70% of families will lose their wealth by the second generation and 90% will lose it by the third...

Tuesday, May 28, 2024

Health experts say that engaging in regular physical activity is one of the most important things you can do for your health. Physical activity is anything that gets your body moving. Because movement supports both physical and...

Friday, April 19, 2024

If you currently volunteer your time and talent, congratulations! If you’ve been thinking about volunteering for a cause or organization that you’re passionate about, this may be a great time to give back...

Wednesday, April 10, 2024

For those of us who are driven to make a difference in the world, charitable giving is often one of the paths we take to make it happen...

Thursday, April 4, 2024

Now that you’re approaching retirement, your kids are most likely grown, with financial plans and pressures of their own. You may be reluctant to burden them with more information and decisions, but...

Tuesday, March 19, 2024

There's nothing I love more than a good belly laugh. And I probably shouldn't say this out loud, but...

Tuesday, March 12, 2024

Housing is an expense most retirees can expect to pay for the duration of their life in retirement, along with other essential expenses, such as food, clothing, healthcare, transportation, and taxes. Whether you own or rent, housing can...

Friday, March 8, 2024

International Women's Day is a global day celebrating the social, economic, cultural and political achievements of women - while also marking a call to action for accelerating gender equality...

Monday, February 26, 2024

Taking care of your heart is important at any age, but especially as you grow older. That’s because your heart is a muscle, and like other muscles it can weaken over time. When that happens, it becomes harder to pump oxygen-rich blood...

Tuesday, February 20, 2024

Taxes have a direct impact on the amount of money you keep, which is especially important for taxpayers in or nearing retirement. Keeping more money working for you begins with understanding the tax-savings opportunities available to you...

Thursday, February 1, 2024

In celebration of the achievements of Black Americans and their integral role in our nation’s history, here are eight Black wealth builders we believe should be remembered. These individuals deserve recognition for their contributions to...

Monday, January 15, 2024

The third Monday of January is Martin Luther King Jr. Day; a day to honor and remember the courage, vision, and achievements of one of the greatest Americans. We have indeed come a long way thanks to Dr. King and the movement he led...

Tuesday, January 9, 2024

Gone are the days when subscriptions were limited to newspapers, gym memberships, and cable TV. Today, subscription-based services permeate every aspect of American life, from travel, entertainment, and leisure, to healthcare, groceries...

Tuesday, December 12, 2023

Year-end deadlines are fast approaching for many strategies that can help keep a lid on taxes. To help ensure you’re not paying more than your fair share, take a moment to review the checklist below...

Friday, December 1, 2023

For many people, the holiday season is a time for travel, celebrations, and opportunities to connect with family and friends. Yet, all that activity, festivity, and spending over a relatively short period of time can take a toll on your...

Monday, November 20, 2023

A recent retirement study reported significant differences in savings rates by gender. Among its findings: The average 401(k) account balance for men is 50% greater than that of women, and nearly half of female workers may not be...

Wednesday, November 1, 2023

National Adoption Month, observed throughout November, holds a special place in my heart, as I am an adoptive parent to two of my children...

Tuesday, October 17, 2023

This blog post features two topics. First, the IRS has delayed the start of a new rule that addresses high earners who still participate in payroll deduction through 401(k) plans... In other news, research shows that reading is...

Monday, October 2, 2023

October marks a significant time for recognizing and appreciating the contributions of individuals with disabilities in the workforce. National Disability Employment Awareness Month (NDEAM) is a dedicated period to celebrate the skills...

Tuesday, September 12, 2023

Navigating the Medicare maze can be daunting. With so many plans and options to choose among, it can be hard to determine if you have the right coverage at the right price until you actually begin to use those benefits...

Tuesday, September 5, 2023

Retirement is a goal that just about everyone strives toward. Yet, as we approach this destination, it can be fraught with many questions and a healthy dose of apprehension. It's understandable. Leaving a regular paycheck behind can be...

Tuesday, August 8, 2023

Downsizing can be a great way for empty nesters to reduce overall housing costs and free up cash in retirement. Less square footage can mean lower utility bills, maintenance costs, and in many cases, property taxes. However, whether down...

Wednesday, August 2, 2023

Schools across the nation are getting back to business in the coming days and weeks. For parents, grandparents, and guardians, “back to school” often includes an outlay of cash. There are computers to upgrade, after-school activities to...

Tuesday, July 18, 2023

The importance of saving for retirement isn’t often taught in school. People tend to focus on more tangible goals to save for, like a first car or a house, and put off saving for retirement for as long as possible. What some...

Thursday, July 13, 2023

Managing spending is critical for maintaining the lifestyle you desire in retirement. Over time, your expenses may change as your lifestyle needs evolve. So, if you spend more than you initially planned in the early years...

Tuesday, June 13, 2023

While retirees have vastly different ideas about how they will spend their golden years, nearly all share a single goal: to maintain their desired standard of living throughout retirement. Yet, circumstances and events, such as...

Thursday, June 1, 2023

Pride Month is here! All month long, people across the country are planning parades, events, and other community gatherings to celebrate the LGBTQ+ community. For members of the LGBTQ+ community, there may be specific financial consider...

Wednesday, May 10, 2023

According to a Joint Economic Committee report, over the past two decades, the number of workers age 55 and over has nearly doubled, increasing from 13% in 2000 to 23% in 2021. Whether you’re considering going back to work...

Tuesday, May 2, 2023

May is Asian American and Pacific Islander Heritage Month. America owes much to Asian American and Pacific Islander citizens. Here are seven of the leaders, artists, scientists, and athletes of AAPI heritage I would like to recognize...

Saturday, April 22, 2023

April 22nd is Earth Day. It's a day about awareness and appreciation of Earth and its resources; a day to celebrate our beautiful planet, enjoy nature, and make a conscious effort to help protect our environment...

Wednesday, April 12, 2023

A reported $84.4 trillion in U.S. household wealth is expected to transfer over the next 20 years. Baby boomers alone are anticipated to shift an estimated $53 trillion—representing 63% of all wealth transfers...

Friday, March 31, 2023

As Women's History Month comes to an end, I wanted to take time to recognize the remarkable contributions of women throughout history. This year's theme is "Celebrating Women Who Tell Our Stories". I am honored to share a few examples...

Monday, February 27, 2023

In the midst of tumultuous markets, there's one word that comes to the forefront with many investors: FEAR. While no one can predict the future (financial or otherwise), it’s important to create...

Tuesday, January 24, 2023

In December 2022, Congress passed a new set of retirement rules designed to make it easier to contribute to retirement plans and to access the funds when you need them. Here is a summary of the changes...

Tuesday, November 29, 2022

If you’re a woman over 40 and thinking about divorce, you’re not alone. The divorce rate for adults between the ages of 40 and 49 has risen 14% since the 1990s. Middle age can be a tumultuous time for marriages. This is a period when...

Thursday, October 27, 2022

No one plans on being stressed out, but with our busy lives, it happens. Whether you have high demands at work, at school, or at home, we can all benefit from a healthy way to deal with the stress...

Wednesday, August 24, 2022

The Inflation Reduction Act was signed into law on Tuesday, August 16. While the $430 billion package includes many provisions, here are three key areas where you may benefit...

Friday, July 22, 2022

Market dips aren't fun for anyone. In fact, they stink. However, as a long-term investor (time horizon greater than 5 years), it is very important to consider market movements in historical context.  Here is information that might...

Wednesday, June 22, 2022

NM House Bill 163 will keep more money in the pockets of New Mexicans, including exempting social security income from taxation and cutting the state’s gross receipts tax...

Thursday, May 26, 2022

Many individuals who leave their jobs are faced with decisions about what to do with their 401(k) accounts. What are your options? Are there advantages/disadvantages? How about tax consequences? These are all important questions.

Thursday, April 21, 2022

If the idea of meeting with an advisor makes you nervous, you’re not alone. Many people worry that they might be judged for their financial habits or lack of planning. Some are embarrassed by their debt. My advice? Find an advisor who...

Monday, January 24, 2022

While recent market movements aren’t a surprise, it’s still uncomfortable. With the state of the world as it is, we expect an impact on the financial markets. The fluctuations in 2021 resulted in some lows, but also some...

Tuesday, November 30, 2021

Tax planning is more than completing and filing your state and federal taxes. Year-end tax planning means going over potential tax deductions that you may have missed during the year while there's still time.

Thursday, October 14, 2021

Social Security and Supplemental Security Income (SSI) benefits for approximately 70 million Americans will increase 5.9 percent in 2022, the Social Security Administration announced today. The 5.9 percent cost-of-living adjustment...

Friday, September 24, 2021

It’s time for your life insurance checkup. If you don’t have any life insurance, you’re not alone. Life insurance is one of those “someday” things for many people, but the cheapest time to buy it is...

Monday, July 26, 2021

Hacking occurs when your personal information is compromised and used to commit fraud online. It’s becoming more prevalent and the “bad actors” are getting craftier about getting around ordinary security systems....

Tuesday, May 25, 2021

Making the maximum contributions to your retirement accounts allows you to save as much as you can before you get to retirement age. The sooner you begin saving, the sooner you can retire. The years fly by before you know it.

Wednesday, April 21, 2021

Social security rules can seem as confusing and overwhelming as the tax code, but you don't have to navigate it alone. There are some basic concepts that can get us started. Your Social Security benefit amount is based on your work...

Wednesday, March 24, 2021

I've rarely met a woman who hasn't worried that her money will run out in retirement. It's a valid concern and one, as a financial advisor, that I help my clients address. Women have an even greater need than men to begin saving as...

Wednesday, February 17, 2021

We're in the thick of tax season! While you might prefer beach season or snuggle up with a good book season, taxes are likely on your to-do list. There are a few things to keep in mind. More people than ever are working from home...

Tuesday, January 26, 2021

It can be hard to know which documents to keep and which ones to toss out. Should you hang onto every bank statement or grocery store receipt? The paper piles, I mean files, can get overwhelming... Here’s a suggested timeline...

Tuesday, January 19, 2021

No one wants to think about what happens when they're gone. It's natural to push it aside. Yet, 2020 has given us a vivid, stark window into the "life can change on a dime" perspective. If you were to pass away or become incapacitated...