Al Gonzalez, MBA , CPFA AG Wealth Advisors

06/25/2026

Stay Human!
We're racing toward AI, autonomous vehicles, reusable rockets, and technologies that seemed impossible just a decade ago.
Recently, I read that a major brokerage plans to have accounts under $1 million managed primarily by AI.
There are certainly benefits to AI. We use it in our practice every day to improve efficiency and enhance the client experience.
But AI is a tool, not a relationship.
Financial planning isn't just about numbers, algorithms, and market data. It's about understanding the people behind the portfolio:
• The engineer wondering if they're saving enough
• The retiree concerned about outliving their money
• The family balancing college costs and retirement goals
• The executive navigating RSUs, taxes, and career decisions
Those conversations don't fit neatly into a spreadsheet.
Good advice comes from understanding your story, your family, your concerns, and your goals. It comes from listening. It comes from experience. It comes from being human.
Technology can process data.
People provide wisdom, perspective, empathy, and accountability.
As we embrace the future, let's not lose sight of what matters most:
Stay Human.
If you're looking for advice that's built around your life—not just your account balance—let's talk.
Let's Plan On It.

06/22/2026

06/17/2026

Treasury yields have risen as bond prices have fallen, reflecting renewed attention to inflation, interest rates, and investor sentiment.

Treasurys are U.S. government bonds, and their yields often move based on expectations for inflation, economic growth, and Federal Reserve policy.

When inflation remains elevated, investors may expect interest rates to stay higher for longer. That can make existing bonds less attractive, pushing prices down and yields up.

Higher Treasury yields can also affect other parts of the economy. The 10-year Treasury, for example, is closely tied to mortgage rates, which can influence homebuyers' borrowing costs.

Rising yields may also affect corporate borrowing, stock valuations, and the broader cost of capital.

While higher yields can signal concern, they can also reflect a market adjusting to new economic data. For consumers and businesses, the key takeaway is that bond market movement can ripple into borrowing costs and financial decisions over time.


Source:

U.S. government bonds are sagging as investors fret that hotter inflation will keep interest rate cuts on hold.

06/15/2026

David McKnight warns that relying on tax-deferred savings could backfire when rates rise, making Roth conversions critical now

06/12/2026

Keep these ages in mind to boost your retirement benefits and avoid penalties.

06/10/2026

LPL Weekly Market Commentary - Every day is a news worthy cycle.

06/10/2026

You completed your taxes by April 15, got your refund if you were owed one, and now what? Perform a retirement checkup.

06/09/2026

What's the largest expense in your household budget?
For many successful professionals, it's not their mortgage.

It's not their car payment.

It's taxes.

While investment returns get most of the attention, taxes can quietly erode wealth year after year.

Thoughtful tax planning can help identify opportunities to:
✔ Manage concentrated stock positions
✔ Optimize retirement savings
✔ Coordinate investment and tax decisions
✔ Reduce unnecessary tax drag

You may not be able to control the tax code, but you can control how you prepare for it.

The best time for tax planning isn't April.

It's now.

06/08/2026

For many families, summer marks the beginning of college tour season, a time filled with campus visits, excitement, and dreams of the future. But this year, those aspirations are colliding with economic reality. Persistent inflation,...

06/08/2026

Many couples don’t consider 529 accounts carefully when splitting up, and other families make a crucial mistake that can leave a mess if somebody dies.