Herrera May Wealth Management

06/16/2026

Your full Social Security check isn't guaranteed 🚨

The 2026 Trustees Report just moved the projected trust fund depletion date up to 2032, a year sooner than previously estimated.

If Congress takes no action by then, the fund may only be able to pay out around 83 cents for every dollar of scheduled benefits. That's an automatic cut hitting every retiree's check.

On top of that, the 2027 COLA is being watched closely. Projections range from 3.8% to potentially over 4.7%, pushed higher by rising gas prices and stubborn everyday expenses.

A bigger COLA sounds helpful, but it doesn't solve the bigger picture problem.

If your retirement plan is built around receiving your full projected Social Security benefit in 2032 or later, it may be time to revisit your assumptions.

The more conservative approach: plan around a reduced benefit scenario. If Congress steps in and fixes it, that's upside you didn't count on. If they don't, your plan still holds.

Hit follow for more on building a retirement income strategy that accounts for what's actually coming.

Securities and advisory services are offered through Mutual of Omaha Investor Services, Inc., Member FINRA/SIPC. Herrera May Wealth Management and Mutual of Omaha Investor Services are not affiliated. For educational purposes only. MOIS does not provide Tax or Legal advice, please consult a licensed tax or legal professional before taking any action. The opinions in this video are those of the advisor and not those of Mutual of Omaha Investor Services.

06/12/2026

The U.S. House has approved a bipartisan housing affordability bill aimed at addressing the role of large institutional buyers in the single-family housing market.

The bill passed by a 396-13 vote and would prevent institutional investors that already own more than 350 single-family homes from buying additional existing homes.

However, the measure would still allow those investors to build more housing units, a key distinction that helped gain support from rental, construction, and housing industry groups.

Supporters say the bill could help improve access to single-family homes, while critics argue that some provisions may not go far enough to address build-to-rent activity.

The measure still needs Senate approval before it can move forward, meaning additional changes or debate may follow.

For housing markets, the discussion highlights the ongoing tension between affordability, supply, rentals, and homeownership.


Source:

The U.S. House approved an updated housing affordability bill after removing industry-opposed requirements on selling build-to-rent homes.

06/11/2026

Your 401k ignores your will entirely. 👀

Most people spend time carefully updating their estate documents and assume everything is covered. But retirement accounts, life insurance policies, and transfer-on-death accounts operate by a completely different set of rules.

A beneficiary designation form controls where that money goes. Not your will. Not your trust. The form. And it overrides everything else.

One of the most common scenarios: a divorce happens, the will gets updated, but the 401k is never touched. Years down the road, an ex-spouse collects every dollar in that account. Legally. Because their name was still on the form.

There are three designation mistakes that come up again and again, and all three are completely fixable. But none of them fix themselves.

Take 15 minutes today to pull up your accounts and check who is named. It could save your family from an easily avoidable situation.

Securities and advisory services are offered through Mutual of Omaha Investor Services, Inc., Member FINRA/SIPC. Herrera May Wealth Management and Mutual of Omaha Investor Services are not affiliated. For educational purposes only. MOIS does not provide Tax or Legal advice; please consult a licensed tax or legal professional before taking any action. The opinions in this video are those of the advisor and not those of Mutual of Omaha Investor Services.

05/18/2026

Two out of every three S&P 500 companies mentioned AI on their Q4 earnings calls. That's not a trend. That's a signal.

The last time a technology shifted this many boardroom conversations at once? Smartphones. And we know how that turned out. Some sectors are all in. Others are barely speaking the word. That gap between the early movers and the quiet ones? It matters for investors.

05/12/2026

📣 Have you thought about your estate plan lately?

If the answer is "not really" — this one's for you.

On May 20th at noon, I'm joining forces with estate planning attorney Alexandria Goff Goff Legal, PC, for a live educational fireside chat. We're cutting through the confusion and talking real strategies to help protect what matters most to you.

✅ Free to attend
✅ Live & interactive
✅ Practical takeaways you can act on

📅 Wednesday, May 20th | 🕛 12:00 PM | 💻 Live Webinar

🔗 Register here: https://my.demio.com/ref/t0Q73fv5t5VsWzur

Tag a friend or family member who needs to hear this! 👇

05/05/2026

Today, we celebrate the incredible impact teachers have on our lives and communities. Your dedication, passion, and hard work inspire countless students to reach their full potential.

Let’s take a moment to appreciate all the teachers out there—your influence is immeasurable! ❤️📚

04/30/2026

Are you treating your retirement savings like one big pile? Here's a better way. 🪣

04/27/2026

When stock prices drop, some investors start asking "shoulda, woulda, coulda” questions about whether to remain invested. But as 2025 illustrates, market timing can be very expensive even if it means missing just a few days.

04/22/2026

🎉 Exciting news! We're hosting a FREE live webinar on May 20th at noon, and we'd love for you to join us! Registration Link in Post.

Thomas will be sitting down with estate planning attorney Alexandria Goff Founder of Goff Legal, PC for an open, educational fireside chat — covering the estate planning topics that matter most and answering the questions people often don't know to ask.

Whether you're just getting started or want a timely check-in on your plan, this conversation is for you. No jargon, no sales pitch — just practical insights you can actually use.

📅 Date: Wednesday, May 20th
🕛 Time: 12:00 PM
💻 Format: Live Webinar (attend from anywhere!)

Spots are limited — save yours today:
👉 https://my.demio.com/ref/t0Q73fv5t5VsWzur

Feel free to share this with anyone who might benefit. See you there! 👋

04/08/2026

What states lead the Data Center Buildout?

Check out this article for more: https://www.visualcapitalist.com/ranked-us-states-data-center-hotspots/?mc_cid=845d416c75&mc_eid=7a089eaa55

Securities and advisory services are offered through Mutual of Omaha Investor Services, Inc., Member FINRA/SIPC. Herrera May Wealth Management and Mutual of Omaha Investor Services are not affiliated.