Nova Wealth Management, Inc.

09/02/2026

🚨 Think you're being scammed? Stop before you send money.

Today's scams can be remarkably convincing—and being smart with money doesn't necessarily make someone immune.

If something doesn't feel right:

🛑 STOP — Don't send more money.
📞 CALL — Talk to someone you trust.
🔍 VERIFY — Contact the person or organization independently.
🏦 CONTACT — If money already moved, contact the financial institution involved.
📋 DOCUMENT — Save texts, emails and transaction information.
🔐 PROTECT — Secure potentially compromised accounts.

And here's something that's especially important:

If you've already lost money, be extremely cautious of anyone promising to recover it for a fee.

You could be dealing with another scam.

We've put together a guide explaining what to consider before—and after—financial fraud.

👉 Read it here: https://novawealthmanagement.com/what-to-do-if-youve-been-scammed/

09/01/2026

You're 55. Have you saved enough for retirement? 🤔

It's a question that can become a lot more urgent as retirement gets closer.

But comparing your account balance to a national average may not tell you whether you're actually prepared.

Your retirement picture can depend on:

💰 What you've saved
🏦 Social Security and pension income
🏠 Debt
🩺 Healthcare costs
📊 Your investments
💵 Expected retirement spending
📅 When you plan to retire

Two people can have exactly the same amount saved and be in completely different financial situations.

So instead of only asking:

“How much should I have saved?”

Consider asking:

“What does my money need to accomplish?”

We break down what to review during your final working years in our latest blog.

👉 Read more: https://novawealthmanagement.com/how-much-should-i-have-saved-for-retirement-at-55/

08/31/2026

💰 Does getting married make you wealthier?

The numbers might make you think so.

Federal Reserve data cited by Investopedia shows median net worth of approximately:

💍 $316,000 — partnered households
👤 $74,000 — single households

That's a BIG difference.

But relationship status isn't the whole explanation.

Age, income, shared household expenses, homeownership, children, saving habits and other factors can all influence net worth.

And being single doesn't mean you're destined to fall behind financially.

The more useful question may be:

Is your financial plan designed for the household you actually have?

We took a closer look at what the numbers show—and what singles, couples and parents may want to consider.

👉 Read the full article: https://novawealthmanagement.com/single-vs-married-net-worth/

08/31/2026

Apparently, this is what happens when Stephen has too much coffee. ☕😂
One minute there’s a clean whiteboard. The next… we’re getting a full masterclass at 42x speed. 📈✍️
All jokes aside, this is a little glimpse of what happens behind the scenes at Nova. Our team is constantly talking through examples, sharing ideas, asking questions, and learning from one another.
Stephen just happens to do it faster after coffee. 😉

08/30/2026

Buying into a homeowners association means going into business with your neighbors

08/29/2026

The Social Security Administration projects that payroll taxes will only be able to fund 78% of Social Security benefits by 2032. That could mean cuts to retirees’ monthly payments. A new analysis predicts which states could see the steepest drop.

08/27/2026

💙 Behind every plan is a team.

At Nova Wealth Management, we believe collaboration matters. Our team meetings give us a chance to bring different perspectives to the table, ask questions, share ideas, and work through the details that matter to the people we serve.

Of course, no Nova team meeting is complete without Beth saying, **“Wait—let’s get a picture!”** 📸😂

Different backgrounds. Different areas of expertise. One team working together for our clients.

**Good conversations. Great people. One team.** 💛

Learn more about Nova: www.novawealthmanagement.com

08/27/2026

🏢 If your business is part of your retirement plan, how confident are you in what it’s actually worth?

Business owners often hear valuation discussed as a formula:

EBITDA × a multiple = business value

But prospective buyers may look well beyond earnings.

They may consider:

✓ How predictable is the revenue?
✓ Is the company dependent on a few customers?
✓ Are earnings sustainable?
✓ Does profit turn into cash?
✓ Can the company operate without the owner?
✓ Is there a strong management team?
✓ How reliable are the financial records?

And there’s another important distinction:

What your business is valued at and what you ultimately have available for retirement may be two very different numbers.

Our latest article explores seven factors that may affect how a buyer evaluates a business—and why business valuation deserves a place in your personal financial planning long before you’re ready to sell.

👉 Read more: https://novawealthmanagement.com/what-makes-a-business-more-valuable/

If you stepped away tomorrow, how much of your business could operate without you?

08/26/2026

🤖 Have you asked AI a question about your retirement yet?

Maybe you've asked:

💰 Do I have enough to retire?
📅 When should I claim Social Security?
🔄 Should I consider a Roth conversion?
📈 Am I taking too much investment risk?
💵 How much cash should I keep?

AI can be an incredibly useful tool for learning about financial topics and exploring different possibilities.

But there's an important distinction:

Getting an answer isn't the same as having a financial plan.

Retirement decisions can involve taxes, Social Security, Medicare, investments, income needs, family circumstances, risk tolerance and personal goals—and changing one piece can affect another.

Our newest article looks at how AI can help with retirement planning, where its limitations may matter, and how to ask better questions before making an important financial decision.

👉 Read more: https://novawealthmanagement.com/ai-retirement-planning/

What financial question have you asked AI?

Can AI help with retirement planning? Learn where AI can be useful, where it may fall short, and how to use AI more thoughtfully for financial questions.

08/25/2026

📅 Your 2026 tax bill isn't just an April problem.

For small business owners, some tax-planning decisions may need attention before December 31—not when you're preparing your return next spring.

Now may be a good time to review:

💰 Estimated tax payments
📊 Business income projections
🏦 Retirement-plan options
💼 Owner compensation and payroll
🧾 Business expenses and documentation
❤️ Charitable-giving plans
💵 Business cash reserves
🔄 Business structure and tax classification

But there's an important distinction:

A tax deduction doesn't automatically make something a good financial decision.

Year-end planning should consider your taxes and your business cash flow, retirement goals and broader financial picture.

We've put together a 2026 year-end planning guide and checklist for small business owners.

👉 Read the full article: https://novawealthmanagement.com/year-end-tax-planning-small-business-owners/

Explore a 2026 year-end tax planning checklist for small business owners, including estimated taxes, retirement plans, deductions, compensation and cash flow.