Strathmore Capital Advisors

06/25/2026

A recent U.S. News and World Report article discusses how more Gen Z consumers are reaching “super-prime” credit status, generally defined as a score of 720 or higher.

TransUnion data shows a sharp increase in the number of prime cards opened by Gen Z between 2019 and 2025, even as many are still building credit and navigating financial uncertainty.

Of course, a big part of this does come down to access, as Dan O'Rourke notes, “They can check their credit score, compare card offers, track spending, move money, redeem points and watch financial content without ever stepping into a bank branch.”

Access doesn’t automatically lead to strong habits, but it does give people a head start. When you have the tools, such as autopay, alerts, and real-time monitoring, it makes it easier to stay on top of things.

The article also mentions that where information comes from matters, especially when useful guidance and misinformation often co-exist.

As more younger consumers move into higher credit tiers, card issuers are responding with more personalized, experience-driven perks.

To learn more, check out the full article below.

https://money.usnews.com/credit-cards/articles/what-can-we-learn-from-gen-zs-credit-score-overachievers

Thanks for including us, Dawn Papandrea!

More younger consumers are pushing into super-prime territory.

06/24/2026

When you need cash, the options can sometimes feel a bit limited. They are usually to borrow at current rates or sell investments and deal with potential taxes, but synthetic lending may offer another approach for certain investors.

Instead of selling your assets, you can access liquidity while keeping your investment portfolio in place. These structures are designed to work alongside an existing portfolio, using it as collateral while making cash available for other uses.

For some investors, the main appeal comes down to flexibility. You get access to funds without interrupting a long-term investment strategy, which is particularly useful in volatile markets.

With that being said, it’s still a form of borrowing tied to the value of the underlying portfolio.

Changes in market value, interest rates, and structure can all impact outcomes, so make sure you’re weighing the pros and cons along with your other options.

Depending on your unique situation, it may be something to consider, and our recent blog shares more insight.

https://strathmorecapadv.com/understanding-synthetic-lending-a-different-way-to-access-liquidity/

06/16/2026

There’s no single way people approach charitable giving.

Some give to the same few organizations every year, while others give more sporadically, or revisit things when their income or priorities change.

Cash is a common starting point, but there are other ways people handle it, too, depending on their situation. Things like donating appreciated investments, using donor-advised funds, or making distributions directly from retirement accounts all come up.

What often matters more is figuring out how you want charitable giving to fit into your overall financial strategy.

Some questions to consider are:

🔹 How often do you want to give?
🔹 Do you want to involve your family?
🔹 How involved do you actually want to be?

Thinking through these questions can help you make more intentional charitable giving decisions.

Check out our recent blog for a breakdown of the different approaches and how they’re typically used at the link in our bio.

06/15/2026

There’s no single way people approach charitable giving.

Some give to the same few organizations every year, while others give more sporadically, or revisit things when their income or priorities change.

Cash is a common starting point, but there are other ways people handle it, too, depending on their situation. Things like donating appreciated investments, using donor-advised funds, or making distributions directly from retirement accounts all come up.

What often matters more is figuring out how you want charitable giving to fit into your overall financial strategy.

Some questions to consider are:

🔹How often do you want to give?

🔹Do you want to involve your family?

🔹How involved do you actually want to be?

Thinking through these questions can help you make more intentional charitable giving decisions.

Check out our recent blog for a breakdown of the different approaches and how they’re typically used here 👇

https://strathmorecapadv.com/charitable-gifting-planning-across-different-approaches/

06/08/2026

If you have children or grandchildren, there’s a new savings option worth knowing about.

Jennifer Luzzatto recently joined Virginia This Morning on CBS 6 to discuss a government-sponsored account expected to roll out in July. Eligible children may receive an initial contribution, with the goal of introducing long-term saving early.

Children must be 18 or younger, have a valid Social Security number, and be U.S. citizens. Those born between 2025 and 2028 may qualify for a $1,000 contribution. The accounts are designed to grow over time and eventually transition into retirement accounts.

There are still details being finalized, but it’s another great way to start conversations with kids about saving and compounding.

You can catch the full segment at the link below.

Watch Virginia This Morning each weekday from 9 to 10 a.m. Find the show on Facebook and Instagram at .

06/03/2026

Now that we’re about halfway through the year, it’s a good time to take a step back and see where things stand.

A quick check-in can help you spot what may have changed over the past few months, such as:

💳 How your spending has been trending compared to what you expected earlier in the year

💰 If your savings and cash reserves are building the way you planned

📊 How your investments are tracking and if anything has changed in your overall mix

It’s also a chance to revisit your goals and make sure they still reflect what you want moving forward, because even small adjustments now can make things easier in the second half of the year.

For more on this topic, check out our blog section at the link in our bio.

06/03/2026

Now that we’re about halfway through the year, it’s a good time to take a step back and see where things stand.

A quick check-in can help you spot what may have changed over the past few months, such as:

💳 How your spending has been trending compared to what you expected earlier in the year

💰 If your savings and cash reserves are building the way you planned

📊 How your investments are tracking and if anything has changed in your overall mix

It’s also a chance to revisit your goals and make sure they still reflect what you want moving forward, because even small adjustments now can make things easier in the second half of the year.

For more on this topic, check out our blogs at the link in our bio.

06/03/2026

Now that we’re about halfway through the year, it’s a good time to take a step back and see where things stand.

A quick check-in can help you spot what may have changed over the past few months, such as:

💳 How your spending has been trending compared to what you expected earlier in the year

💰 If your savings and cash reserves are building the way you planned

📊 How your investments are tracking and if anything has changed in your overall mix

It’s also a chance to revisit your goals and make sure they still reflect what you want moving forward, because even small adjustments now can make things easier in the second half of the year.

For more on this topic, check out our most recent blog post at the link in our bio.

06/03/2026

Now that we’re about halfway through the year, it’s a good time to take a step back and see where things stand.

A quick check-in can help you spot what may have changed over the past few months, such as:

💳 How your spending has been trending compared to what you expected earlier in the year

💰 If your savings and cash reserves are building the way you planned

📊 How your investments are tracking and if anything has changed in your overall mix

It’s also a chance to revisit your goals and make sure they still reflect what you want moving forward, because even small adjustments now can make things easier in the second half of the year.

For more on this topic, check out our most recent blog post.

➡️ https://strathmorecapadv.com/a-mid-year-financial-check-in/

05/28/2026

Healthcare has been coming up more in client conversations lately, and a recent article from U.S. News and World Report is a good reminder of how much variety exists in that space.

The piece looks at several healthcare funds and ETFs, and Daniel J. O'Rourke offers some context on how index construction can shape what you're actually holding. Some indexes extend well beyond pharmaceuticals and managed care into areas like biotech, medical devices, life sciences, and healthcare services.

This can make for a different experience than a more concentrated approach.

He also notes that broader exposure doesn't eliminate risk, as regulation, drug pricing, and patent cycles are all factors that can affect the sector.

However, having a clearer picture of how a fund is constructed can help with understanding what you actually own.

You can check out the full article at the link below.

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Health care is under financial pressure, but these ETFs and funds target the sector's next growth phase.