We have an added bonus below, with our Moneco Advisors’ colleagues, Kyle Scafariello and Stephanie Van Albert CFP®, presenting their webinar replay on Financial Planning Basics & Beyond. This is a must watch and share with friends or family members who have questions about financial planning.

If you have questions on any of these topics, please reach out to us.

Additionally, we invite you 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: Smart Giving in 2025

As year-end approaches, thoughtful charitable giving can support the causes you love and create meaningful tax and financial benefits. This month’s feature highlights strategies to make your 2025 giving more intentional and effective.

With guidance on donating appreciated assets, using donor-advised funds, involving your family, and aligning philanthropy with your estate plan, you’ll learn how to ensure your generosity reflects your values and long-term goals.

Click here for the full Advisor Insights article and video.

LPL Market Commentary

AI and the job market are major themes right now. More companies are using AI to manage costs, which has contributed to some recent layoffs even as overall economic conditions remain stable. Many industries are still early in their AI adoption, and businesses are working through challenges like older systems and training needs. Government policy, interest rates, and rapid changes in technology continue to shape the broader financial and economic environment.

LPL Market Commentary – Week of November 17th

Featured Article: The OBBBA and Donor Advised Funds

The new One Big Beautiful Bill Act brings several tax changes that may influence how you donate. Beginning in 2026, non-itemizers will get a small charitable deduction, but gifts to donor-advised funds (DAFs) do not qualify. For most DAF users who already itemize, this will not change your core strategy. Several rules for itemizers remain in place, and new limits starting in 2026 may reduce the tax value of your deductions. This makes it worth reviewing whether larger gifts should be made before the end of 2025. Even with the new law, DAFs continue to offer strong advantages, especially when donating appreciated assets or separating tax planning from your giving timeline. Read the full article to see how these changes may shape your charitable strategy for the coming years.

Click here to read the article.

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.