If you enjoy our content, don’t forget to connect with us on Facebook, Linkedin, and X. Explore even more financial planning resources, community stories, and insights designed to keep you informed and inspired.

Note: Tomorrow, Thursday, January 9, we observe the National Day of Mourning for President Jimmy Carter, honoring his legacy of service and commitment to humanitarian efforts. In observance of this day, the stock market will be closed, and the bond market will operate with limited hours, closing at 2:00 PM. Please note that while these closures may temporarily affect our ability to process certain financial transactions, our office will remain open to assist with any other financial needs you may have. We are here to support you. Additionally, post offices are closed, so no mail will be delivered but banks are open. Thursday will be a trade settlement date.

A Fresh Start For Your Finances

Kickstart 2025 with Financial Resolutions: The new year symbolizes fresh beginnings, making it the perfect time to evaluate financial health and to set actionable goals.

From reviewing your budget and building on your emergency fund to maximizing retirement savings and enhancing financial literacy, you have a better chance of starting 2025 on the right foot. Setting SMART (Specific, Measurable, Achievable, Relevant, and Time-bound) goals can help you stay focused and track your progress.

Check out the article below to learn more. Happy New Year to you and yours!

Kickstart Your New Year

Celebrating Life Stories!

At the heart of financial planning lies the deep understanding of life stories—those pivotal moments, challenges, and dreams that shape the financial journey of every individual, family or business.

Chris and Sandra Neubert, John Rosenau, Reed Ameden, Jason Hyde and Ginnie Thompson, working out of the Moneco Advisors’ Fairfield office group, have been more than just financial advisors, planners and client service leaders over the last handful of decades. They have been honored to serve as trusted stewards of our clients’ financial life stories.

This month, this group of professionals celebrate their focus on working with clients and their shared belief in helping clients to plan, invest and to live as well as they can. Through countless conversations and shared milestones, this team has built a foundation of trust and care that defines what it means to help put the clients’ journey first.

Chris, Sandra, John and Reed are each celebrating 31 years as financial advisors, exemplifying what it means to be lifelong partners in their clients’ futures. With their mission centered on helping individuals, families, and businesses, their work stretches beyond numbers and portfolios as they work to ensure that each interaction leaves their clients feeling heard, valued and supported in taking the next steps toward their goals.

As well, Jason Hyde celebrates 10 years with Moneco as financial advisor, where each strategy or solution he has recommended has been rooted in his deep commitment to his clients’ empowered journeys.

And last but not least, Ginnie celebrates 29 years in client service and operations leadership, embodying the spirit of collaboration and care that anchor our firm’s values. By working in dedicated service while building trusted relationships, Ginnie has played an integral role in creating an environment where clients know they are always the priority.

Together, all of these Moneco professionals have dedicated their careers to cultivating meaningful connections and designing solutions that strive to align with their client’s aspirations.

Below please find a video produced and shared 7 years ago—and one that still purely represents why we do what we do at Moneco — and the enjoyment we feel in working with our clients. You can see Chris, John, Sandra, Reed, Jason and Ginnie along with some current (and past) team members sharing their stories, in the video link below.

Click here to watch the video, circa 2018

Over the Limit? – ROTH IRAs

Have you ever wondered if you can participate in a Roth IRA, even if you’re over the income limit? The good news is that a strategy called a “backdoor Roth conversion” could make it possible for you. By converting a traditional IRA into a Roth IRA, you could potentially unlock benefits like tax-free withdrawals and greater flexibility in retirement. As always, it’s important to consider any tax implications and how this strategy fits your unique financial goals.

Be sure to talk with us at Moneco (and your tax advisor) to explore whether this may be a helpful move for you and your retirement planning. And feel free to share this article with family or friends.

Over The Limit Article

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.}

All stock photo images by Freepik.com