Bobbi Spainhower, AAMS, LUTCF, Investment Advisor Representative

11/20/2025

We’re grateful to Hilltop Bakery for helping us assemble these beautiful “thank-you” baskets for the partners who help us make a difference. Strong relationships are at the heart of what we do, and this small gesture is just one way we show our appreciation for those who support our work.

10/30/2025

Moving out and living independently is exciting — but for many young adults, it’s also expensive. Between rent, student loans, and car payments, essential bills can eat up nearly 90% of a typical paycheck. Add childcare into the mix, and the costs can quickly exceed income.

Read this article to learn more about the true cost of independence and how young adults are navigating these financial pressures.

See the top monthly expenses facing young adults in the U.S. after they move out of the family home.

10/21/2025

Stuck in the middle? You’re not alone.

Many in their 40s, 50s, and even 60s are juggling raising kids, paying for college, planning their own retirement, and caring for aging parents — all at the same time. This growing group is called the “sandwich generation.”

The challenges are real — from financial strain and caregiving stress to tough conversations with parents and children. But with the right planning, you can ease the burden and protect your family’s future.

Ready to talk through your own plan? I can help you balance competing priorities with confidence.

If you're a member of the "sandwich generation," you may be struggling to keep up with the demands of raising a family, planning for your own retirement, and caring for your aging parents. Here are some tips that can help you cope with the challenges you face.

10/15/2025

Estate planning isn’t just for the wealthy — it’s for anyone who wants peace of mind knowing their wishes will be honored and their loved ones protected. Without a plan, state laws (and even federal taxes) could decide who gets your assets — not you.

This article breaks down what estate planning really means, who needs it, and the simple steps you can take to start building a plan that works for your family.

Don’t wait until it’s too late. Estate planning is about caring for the people you love most. Reach out if you'd like to learn more.

Simply stated, estate planning is a method for determining how to distribute your property during your life and at your death. It is the process of developing and implementing a master plan that facilitates the distribution of your property after your death and according to your goals and objectives...

10/09/2025

As of October 1, 2025, the U.S. government has officially shut down many of its operations. This is the 15th shutdown since 1980 — and while some have been short, others have lasted weeks.

So why did it happen, and what services are affected? From federal workers and air travel to Social Security, Medicare, and even national parks, the ripple effects touch millions of Americans.

Learn more about why the shutdown occurred and what you can expect if it continues:

The federal government shut down many operations at 12:01 a.m. on October 1, 2025.

10/06/2025

October is Estate Planning Month.

End-of-life care and the passing of a loved one bring not only emotional challenges but also significant financial costs that many families aren’t prepared for. From medical bills to funeral expenses, probate fees, and estate taxes, the true price of saying goodbye can quickly add up.

Planning ahead helps ease the burden on your family and ensures your wishes are honored. This article breaks down the often-overlooked costs of end-of-life care and why estate planning is so important.

If you’ve been putting off estate planning, now is the perfect time to start the conversation.

While death is inevitable, you may be surprised at the high costs of dying.

10/01/2025

So fun!

09/30/2025

Funding for your child's education and preparing for your own retirement? You do not have to choose between them. My goal is to help you achieve yours and I can help you learn more about how to reach them. Call me today to learn more about the financial services available.

09/25/2025

Do you have questions about the best way to save for your child's college expenses? Are you wondering if you should invest in a 529 plan? I understand that every family's situation is unique and can help walk you through your decisions. Schedule a meeting with me today to discuss your needs.

09/23/2025

Creating a plan for funding both education and retirement can be overwhelming. Exploring options early can help you move forward with prioritizing retirement, while still providing a great start for your child. Message me for more details.

09/22/2025

If you’re self-employed, your need for life insurance may be even greater. Your business and personal finances are often closely tied — and life insurance can help protect both.

In honor of Life Insurance Awareness Month, our latest article explores why coverage matters and how to get started.

As a self-employed business owner, you have a substantial need for insurance. At your death, the debts of the business become the responsibility of your estate, which could be a serious burden for your family. Life insurance can be used to cover these debts.

09/19/2025

September is Life Insurance Awareness Month — a perfect time to make sure you and your loved ones are protected.

Shopping for life insurance can feel overwhelming, but it doesn’t have to be. This article breaks down how to size up your needs, compare companies, and find the right policy for your situation.

If you're shopping for life insurance, do your homework first. Decide what type of policy you want and how much coverage you need based on your income, assets, debts, financial goals, and obligations.