EFS Advisors

10/21/2026

You can spend years building something. A few documents can help determine what happens to it next.

Estate planning is one of those financial conversations that's easy to put off until circumstances make it suddenly important. Your wishes, beneficiaries, important documents, and the people you want involved all deserve a place in the conversation. And when life changes, your plan may need to change with it. Estate Planning Awareness Week is a good opportunity to pull those pieces back out and see if everything still reflects what matters to you.

If it’s been a while since your last review, consider checking in with your advisor: https://efsadvisors.com/find-advisor/

10/13/2026

If you filed for an extension earlier this year, October 15 is an important date to keep on your calendar.

For most individual taxpayers with a valid extension, October 15 is the deadline to file a 2025 federal income tax return. Keep in mind that an extension provided additional time to file, not additional time to pay any taxes originally due in April.

If you’re still gathering documents or coordinating with your tax professional, now is a good time to make sure everything is in place before the deadline sneaks up on you.

10/07/2026

If you've found yourself trying to figure out where all your money went last month, you're definitely not alone.

That's one reason we created the EFS Resources page. You'll find calculators, articles, educational information, and other tools to help you make sense of the questions that come with managing your money. For World Financial Planning Day, take a look around and see what catches your eye.

Explore EFS Resources:

Resources Download clear, easy-to-understand guides designed to help you make confident financial decisions at every stage of life. Retirement & Investing 403(b) Infographic Guide Understand how your 403(b) works and how to maximize its potential. Download PDF(opens in new tab) The Power of Investin...

10/01/2026

October is Financial Planning Month, which makes it a good excuse to zoom out.

Your financial life doesn't exist in separate boxes. Your retirement savings can affect your tax picture. A career change can affect your insurance needs. A growing family can change your priorities. And the goals you have today may look very different a few years from now.

Financial planning brings those pieces into the same conversation so you can see what may need to change along the way.

We'll be exploring different pieces of the financial planning puzzle throughout October. Follow along, and if it's been a while since you've reviewed your plan, find an EFS advisor to start the conversation: https://efsadvisors.com/find-advisor/

09/29/2026

Your spending says something about what you value.

Maybe it's travel. Your family. Your home. Convenience. Experiences with friends. A favorite hobby. Your health. There isn't one right way to spend money because everyone places value on different things.

The important part is knowing where your money is going and making sure the things you're spending on still feel worthwhile to you. As routines settle back in this fall, take a look at your spending. Are your dollars going toward the things that matter most?

A financial plan should leave room for the things you value today while keeping your longer-term goals in view. Take a closer look with your advisor: https://efsadvisors.com/find-advisor/

09/23/2026

A lot can change over the years. You might buy a home, start a family, change jobs, take on new financial responsibilities, or move into a different stage of life. Your coverage should keep pace with those changes.

Life insurance can help provide financial support for the people and expenses that matter most, from mortgage payments and everyday living costs to longer-term financial needs.

If it's been a few years since you looked at your coverage, September could be a good time to revisit it. Find an EFS advisor that can help with life insurance here: https://efsadvisors.com/find-advisor/

09/16/2026

EFS and Education Minnesota traded the office for the golf course and had a pretty great time doing it.

It was a fun day of golf, a little competition, plenty of laughs, and some time to enjoy each
other’s company outside of work.

Here are a few favorites from the day.

09/15/2026

Choosing a financial advisor is a big decision. Credentials and experience matter. Investment philosophy matters. But there's another question worth asking: Do you feel understood?

Your financial situation is personal, and the advice you receive should take into account your goals, priorities, family, and the life you're building.

We recently explored what to look for in an advisor relationship, why finding the right fit matters, and why you don't need to have everything figured out before asking for help. Read the full article on our website:

Choosing a financial advisor is a more important decision than you might think. You’re trusting someone with a part of your life that affects your family, your future, and the goals you’ve worked hard to achieve. Yes, credentials and experience matter. Investment philosophy matters. But there’...

09/09/2026

National 401(k) Day is coming up this Friday, which makes this week a great time to take a look at the retirement savings you may already have working in the background.

When was the last time you reviewed your investment selections? Your 401(k) is one piece of the picture, and it can be worth taking a fresh look as your income, goals, and timeline change.

If you're not sure what to look at first, an EFS advisor can help you make sense of your options: https://efsadvisors.com/find-advisor/