It’s hard to believe we’re already in the final stretch of 2025! As we look ahead toward 2026, this is the perfect time to pause, reflect, and plan; both for milestones you can see, and the surprises you cannot.

This month, we are sharing insights to help you align your financial and healthcare decisions with your goals, so you can step into the new year with confidence and clarity.

Advisor Insights: When Life Changes Overnight
Market Pulse: Q3 2025 Quarterly Update
Feature Article: Your Health. Your Wealth. Your Plan.

If you have questions on any of these topics, please reach out to us; and feel free to share this newsletter with your friends and family. Additionally, we invite you and yours to stay connected with Moneco on Facebook, LinkedIn, or X. Across our social networks, you’ll find pertinent articles and many financial planning resources.

Advisor Insights: When Life Changes Overnight

A serious health diagnosis can turn life upside down, impacting not just your health, but also your income, goals, and sense of stability.

During those moments, a solid financial plan becomes more than numbers on a page, it’s a source of clarity and support.

In this article, we explore how thoughtful planning and a trusted advisor can help you navigate the financial ripple effects of illness, protect your family, and move forward with confidence and clarity.

Click here for the full Advisor Insights article and video.

Q3 Market Outlook: Resilience Amid Change.

Despite shifting trade policies, persistent inflation, and global uncertainty, markets have continued to show impressive strength. U.S. stocks hit new record highs.

Overseas, both the developed and emerging markets surged as global growth regained momentum.

As we head into year-end, the focus turns to what comes next, where new opportunities may emerge, and how investors can stay balanced as market leadership continues to shift. Click the link below to read the market recap for Q3:

Q3 2025 – Market Outlook –

Feature Article: Your Health. Your Wealth. Your Plan.

As life changes, so do your healthcare needs, and costs. Our latest article breaks down what to expect at each age/stage of retirement and how thoughtful planning today can help you enjoy tomorrow with confidence. See how smart healthcare planning supports lifelong wellbeing. Click here to read the article: Your Health. Your Wealth. Your Plan.

And...Be sure to visit our YouTube page for educational, financial wellness webinars, including Estate Planning Basics and the Financial Planning Basics + Beyond Webinar replays.

These are highly shareable with family and friends (and might even help with upcoming holiday conversations!)

Important Disclosures

This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal. Any economic forecasts set forth may not develop as predicted and are subject to change. Moneco Advisors, LLC and LPL Financial are not affiliated with any other referenced entity.

This commentary reflects the personal opinions, viewpoints and analyses of the Moneco Advisors employees providing such comments, and should not be regarded as a description of advisory services by Moneco Advisors or performance returns of any Moneco Advisors client. The views reflected in the commentary are subject to change at any time without notice. Nothing in this commentary constitutes investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Moneco Advisors manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.