Family WealthCare Center

11/03/2026

A glow-up isn't just skincare and playlists. Sometimes it's your bank statement. Swipe through for five small moves that can make 2027 feel like a fresh start, not a resolution you forget by February. Which one are you starting with?

11/01/2026

Talking with your parents about their wishes as they get older isn’t always easy. ❤️

You may worry about making them uncomfortable, or they may not feel ready to discuss it. But understanding what matters to them can make a difference if your family ever faces difficult decisions.

💬 The conversation doesn’t have to cover everything at once. You might start with a couple of simple questions:
▪️“Have you thought about what you’d want if you ever needed help making decisions?”
▪️“Do you have important documents somewhere we could find them if needed?”

Over time, those conversations may cover medical preferences and documents like a will or power of attorney.

And if your parents aren’t ready to talk? That’s okay. Respecting their comfort and independence is part of the conversation, too.

This isn’t about taking over. It’s about listening, so their wishes are understood if they’re ever needed.

End-of-life planning can be difficult to discuss, but the right approach can make the conversation easier.

10/31/2026

Wishing you all a Happy and Safe Halloween!

10/30/2026

Why So Bearish?

10/29/2026

💳 Carrying a credit card balance is becoming more common among Gen Z, even as other generations are moving in the opposite direction.

A Deloitte and ConsumerSignals survey found that the share of adults ages 18 to 29 carrying a balance from month to month rose more than 19% between late 2023 and mid-2026. Over that same period, the share declined among every other adult generation.

And with average credit card interest rates around 21% in August, those balances can become expensive.

For younger adults juggling housing costs, student loans, and everyday expenses, there's another challenge: deciding how to balance paying off debt with saving for the future.

High-interest debt can make it harder to build emergency savings or contribute toward long-term goals. But factors such as interest rates, available savings, and workplace retirement benefits can all influence which financial priorities deserve attention.

The important takeaway? A credit card balance isn't just about what you owe today. It's also about how interest may affect what you have available tomorrow.

Deloitte finds the share of Gen Z borrowers carrying credit card balances rose nearly 20% from Q3 2023 to Q2 2026.

10/28/2026

Feeling overwhelmed about managing your inheritance? You're not alone.

Many individuals expecting an inheritance are uncertain about handling their newfound wealth.

Seeking guidance from a trusted financial professional may help provide the support needed to navigate this transition successfully.

10/27/2026

LPL Research examines three keys to earnings season: broader profit growth, margin pressures, and high expectations amid continued AI investment.

Here's our Weekly Market Update: https://www.familywealthcarecenter.com/weekly-market-commentary-october-26-2026-9e150

10/26/2026

September brought a rebound in private sector hiring, with employers adding 90,000 jobs, according to ADP. That's more than the 68,000 economists expected and well above August's revised gain of 36,000.

🏥 Education and health services led the way with 55,000 new jobs, followed by leisure and hospitality (22,000), manufacturing (17,000), and construction (15,000).

Not every industry shared in the gains. Financial activities lost 16,000 jobs, while professional and business services shed 11,000.

Pay continued to grow, too, with base pay rising 3.2% and gross pay increasing 4.7% from a year earlier.

The report offers another look at the labor market as the Federal Reserve weighs employment trends alongside persistent inflation.

Private job creation picked up in September after a brief slowdown.

10/25/2026

🏠 Mortgage rates climbed above 7% last week, and more borrowers started looking for a different way in.

The average rate on a 30-year fixed mortgage rose to 7.12%, while adjustable-rate mortgages offered rates more than a percentage point lower. That difference helped push ARMs to 9.8% of all mortgage applications, up from 8.4% two weeks earlier.

🔑 The appeal is easy to understand: an ARM may offer a lower initial rate and monthly payment. But that rate doesn’t stay fixed forever. Once the initial period ends, it can adjust higher or lower depending on where rates are at that time.

Meanwhile, overall mortgage demand fell, with purchase applications down 1% for the week and refinancing applications down 3%.

A lower rate today can be tempting. What it does after the fixed period ends is the part worth thinking through before you sign.



Source: https://www.cnbc.com/2026/09/23/nearly-10percent-of-borrowers-opted-for-riskier-mortgages-last-week.html

10/24/2026

Caring for someone you love is one of the most generous things a person can do.

It's also one of the most financially complex.

Caregivers often have to manage out-of-pocket costs and long stretches away from the workforce. In some cases, that can lead to reduced income. Those gaps can add up over time and add stress to an already difficult situation.

If you or someone close to you is in a caregiver role, it's never too late to create a strategy.