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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Cereus Financial Advisors, LLC, 795 Franklin Avenue , Suite 205, Building B, Franklin Lakes, NJ (2026)

10/15/2026

October 15 brings two opportunities to think about your financial well-being: 𝗚𝗲𝘁 𝗦𝗺𝗮𝗿𝘁 𝗔𝗯𝗼𝘂𝘁 𝗖𝗿𝗲𝗱𝗶𝘁 𝗗𝗮𝘆 𝗮𝗻𝗱 𝗛𝗦𝗔 𝗗𝗮𝘆!

💳 𝗚𝗲𝘁 𝗦𝗺𝗮𝗿𝘁 𝗔𝗯𝗼𝘂𝘁 𝗖𝗿𝗲𝗱𝗶𝘁 𝗗𝗮𝘆 is a reminder that understanding your credit is an important part of financial planning. Paying bills on time, monitoring your credit reports, and managing debt responsibly can help support your financial goals.

🏥 𝗛𝗦𝗔 𝗗𝗮𝘆 highlights the potential benefits of Health Savings Accounts. For those eligible, HSAs offer a tax-advantaged way to save for qualified medical expenses, with unused funds generally carrying over from year to year.

While credit management and healthcare savings may seem like separate topics, both play a role in building a more comprehensive financial plan.

At Cereus Financial Advisors, we believe thoughtful planning means looking at the whole picture—not just your investments.

Which part of your financial plan could use a little more attention?

𝘋𝘪𝘴𝘤𝘭𝘰𝘴𝘶𝘳𝘦: 𝘊𝘦𝘳𝘦𝘶𝘴 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘈𝘥𝘷𝘪𝘴𝘰𝘳𝘴, 𝘓𝘓𝘊 𝘪𝘴 𝘢 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘦𝘳. 𝘗𝘰𝘴𝘵𝘴 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘢𝘯𝘥 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺—𝘯𝘰𝘵 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘰𝘳 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦 𝘧𝘰𝘳 𝘢𝘯𝘺𝘰𝘯𝘦’𝘴 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘍𝘶𝘵𝘶𝘳𝘦 𝘳𝘦𝘴𝘶𝘭𝘵𝘴 𝘤𝘢𝘯𝘯𝘰𝘵 𝘣𝘦 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥. 𝘚𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘵𝘰 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘸𝘩𝘦𝘳𝘦 𝘊𝘦𝘳𝘦𝘶𝘴 𝘢𝘯𝘥 𝘪𝘵𝘴 𝘳𝘦𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘷𝘦𝘴 𝘢𝘳𝘦 𝘱𝘳𝘰𝘱𝘦𝘳𝘭𝘺 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘥 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵 𝘧𝘳𝘰𝘮 𝘭𝘪𝘤𝘦𝘯𝘴𝘶𝘳𝘦.

10/14/2026

𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝗶𝘀 𝗡𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗠𝗼𝗻𝘁𝗵: 𝗮 𝗱𝗲𝗱𝗶𝗰𝗮𝘁𝗲𝗱 𝟯𝟭-𝗱𝗮𝘆 𝗽𝗲𝗿𝗶𝗼𝗱 𝘁𝗼 𝗿𝗲𝘃𝗶𝗲𝘄 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆, 𝗿𝗲𝘀𝗲𝘁 𝘆𝗼𝘂𝗿 𝗯𝘂𝗱𝗴𝗲𝘁, 𝗮𝗻𝗱 𝗽𝗿𝗲𝗽𝗮𝗿𝗲 𝗳𝗼𝗿 𝘆𝗲𝗮𝗿-𝗲𝗻𝗱 𝗺𝗶𝗹𝗲𝘀𝘁𝗼𝗻𝗲𝘀.

At Cereus Financial Advisors, we help executives, professionals, and business owners make confident choices for their future.

Our mission is to help professionals and small business owners secure financial peace of mind. Located in Franklin Lakes, New Jersey, we offer private, professional services for families and individuals seeking financial advice on retirement, higher education, divorce, investments, inheritance, taxes, insurance, and more.

We are Certified Financial Planners® and specialists in comprehensive financial planning, education planning, estate planning, insurance advice, investment management, retirement planning, and tax planning.

Schedule your free consultation today and start planning a future you can feel confident about! tinyurl.com/3tt2rvwh

10/12/2026

💰 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟮 𝗶𝘀 𝗡𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗦𝗮𝘃𝗶𝗻𝗴𝘀 𝗗𝗮𝘆!

Whether you're saving for a vacation, building an emergency fund, preparing for retirement, or working toward another financial milestone, every savings goal starts somewhere.

Here are a few simple ways to make saving a regular part of your financial routine:
✔️ Set specific goals. Knowing what you're saving for can help you stay motivated.
✔️ Automate your savings. Regular transfers can help you build consistency without having to think about it.
✔️ Review your spending. Small adjustments to everyday expenses may free up money to put toward your goals.
✔️ Revisit your plan. As your income, expenses, and priorities change, your savings strategy may need to change, too.

At Cereus Financial Advisors, we believe a thoughtful financial plan should reflect your individual goals, priorities, and circumstances.

This National Savings Day, take a moment to consider: Are your savings habits helping you build the future you envision?

𝘋𝘪𝘴𝘤𝘭𝘰𝘴𝘶𝘳𝘦: 𝘊𝘦𝘳𝘦𝘶𝘴 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘈𝘥𝘷𝘪𝘴𝘰𝘳𝘴, 𝘓𝘓𝘊 𝘪𝘴 𝘢 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘦𝘳. 𝘗𝘰𝘴𝘵𝘴 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘢𝘯𝘥 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺—𝘯𝘰𝘵 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘰𝘳 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦 𝘧𝘰𝘳 𝘢𝘯𝘺𝘰𝘯𝘦’𝘴 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘍𝘶𝘵𝘶𝘳𝘦 𝘳𝘦𝘴𝘶𝘭𝘵𝘴 𝘤𝘢𝘯𝘯𝘰𝘵 𝘣𝘦 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥. 𝘚𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘵𝘰 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘸𝘩𝘦𝘳𝘦 𝘊𝘦𝘳𝘦𝘶𝘴 𝘢𝘯𝘥 𝘪𝘵𝘴 𝘳𝘦𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘷𝘦𝘴 𝘢𝘳𝘦 𝘱𝘳𝘰𝘱𝘦𝘳𝘭𝘺 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘥 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵 𝘧𝘳𝘰𝘮 𝘭𝘪𝘤𝘦𝘯𝘴𝘶𝘳𝘦.

10/09/2026

𝗧𝗵𝗲𝗿𝗲'𝘀 𝗻𝗼 𝗺𝗮𝗴𝗶𝗰 𝗯𝘂𝗹𝗹𝗲𝘁 𝘄𝗵𝗲𝗻 𝗶𝘁 𝗰𝗼𝗺𝗲𝘀 𝘁𝗼 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 – 𝗱𝗶𝘃𝗲𝗿𝘀𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗿𝗶𝘀𝗸 𝘁𝗼𝗹𝗲𝗿𝗮𝗻𝗰𝗲 𝗮𝗿𝗲 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝘁𝗵𝗶𝗻𝗴𝘀!
When it comes to investing, no one person has more information than anyone else, and there's no one-size-fits-all advice to impart. When working with us at Cereus Financial Advisors, we can help guide you to better diversification and to make investments that best fit your personal risk tolerance.

𝘋𝘪𝘴𝘤𝘭𝘰𝘴𝘶𝘳𝘦: 𝘊𝘦𝘳𝘦𝘶𝘴 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘈𝘥𝘷𝘪𝘴𝘰𝘳𝘴, 𝘓𝘓𝘊 𝘪𝘴 𝘢 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘦𝘳. 𝘗𝘰𝘴𝘵𝘴 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘢𝘯𝘥 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺—𝘯𝘰𝘵 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘰𝘳 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦 𝘧𝘰𝘳 𝘢𝘯𝘺𝘰𝘯𝘦’𝘴 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘍𝘶𝘵𝘶𝘳𝘦 𝘳𝘦𝘴𝘶𝘭𝘵𝘴 𝘤𝘢𝘯𝘯𝘰𝘵 𝘣𝘦 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥. 𝘚𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘵𝘰 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘸𝘩𝘦𝘳𝘦 𝘊𝘦𝘳𝘦𝘶𝘴 𝘢𝘯𝘥 𝘪𝘵𝘴 𝘳𝘦𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘷𝘦𝘴 𝘢𝘳𝘦 𝘱𝘳𝘰𝘱𝘦𝘳𝘭𝘺 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘥 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵 𝘧𝘳𝘰𝘮 𝘭𝘪𝘤𝘦𝘯𝘴𝘶𝘳𝘦.

10/07/2026

𝗔𝗿𝗲 𝘆𝗼𝘂 𝘀𝗲𝗹𝗳-𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗱? 𝗗𝗼𝗻'𝘁 𝗳𝗼𝗿𝗴𝗲𝘁 𝗮𝗯𝗼𝘂𝘁 𝘀𝗲𝗹𝗳-𝗲𝗺𝗽𝗹𝗼𝘆𝗺𝗲𝗻𝘁 𝘁𝗮𝘅. 💼

If you earn income as a freelancer, independent contractor, sole proprietor, or through a side business, you may owe self-employment tax in addition to federal income tax.

𝗛𝗲𝗿𝗲'𝘀 𝘄𝗵𝗮𝘁 𝘁𝗼 𝗸𝗻𝗼𝘄:
✔️ The self-employment tax rate is 15.3%
• 12.4% funds Social Security
• 2.9% funds Medicare

✔️ In 2026, the Social Security portion applies to the first $184,500 of combined wages and net self-employment earnings.

✔️ If your net earnings from self-employment are $400 or more, you generally must file Schedule SE with your Form 1040.

✔️ Some higher-income taxpayers may also owe an additional 0.9% Medicare tax if income exceeds:
• $200,000 (single filers)
• $250,000 (married filing jointly)
• $125,000 (married filing separately)

Many people don't realize self-employment tax applies even if they're already employed full-time. A side hustle, consulting work, or freelance business may create additional tax obligations.

Understanding how these taxes work can help you avoid surprises and plan ahead.

𝗛𝗮𝘃𝗲 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗮𝗯𝗼𝘂𝘁 𝗵𝗼𝘄 𝘀𝗲𝗹𝗳-𝗲𝗺𝗽𝗹𝗼𝘆𝗺𝗲𝗻𝘁 𝗶𝗻𝗰𝗼𝗺𝗲 𝗮𝗳𝗳𝗲𝗰𝘁𝘀 𝘆𝗼𝘂𝗿 𝘁𝗮𝘅𝗲𝘀 𝗼𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗹𝗮𝗻? 𝗪𝗲'𝗿𝗲 𝗵𝗲𝗿𝗲 𝘁𝗼 𝗵𝗲𝗹𝗽. cereusfinancial.com

𝘋𝘪𝘴𝘤𝘭𝘰𝘴𝘶𝘳𝘦: 𝘊𝘦𝘳𝘦𝘶𝘴 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘈𝘥𝘷𝘪𝘴𝘰𝘳𝘴, 𝘓𝘓𝘊 𝘪𝘴 𝘢 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘦𝘳. 𝘗𝘰𝘴𝘵𝘴 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘢𝘯𝘥 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺—𝘯𝘰𝘵 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘰𝘳 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦 𝘧𝘰𝘳 𝘢𝘯𝘺𝘰𝘯𝘦’𝘴 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘍𝘶𝘵𝘶𝘳𝘦 𝘳𝘦𝘴𝘶𝘭𝘵𝘴 𝘤𝘢𝘯𝘯𝘰𝘵 𝘣𝘦 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥. 𝘚𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘵𝘰 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘸𝘩𝘦𝘳𝘦 𝘊𝘦𝘳𝘦𝘶𝘴 𝘢𝘯𝘥 𝘪𝘵𝘴 𝘳𝘦𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘷𝘦𝘴 𝘢𝘳𝘦 𝘱𝘳𝘰𝘱𝘦𝘳𝘭𝘺 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘥 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵 𝘧𝘳𝘰𝘮 𝘭𝘪𝘤𝘦𝘯𝘴𝘶𝘳𝘦.

10/02/2026

𝗔𝗜-𝗿𝗲𝗹𝗮𝘁𝗲𝗱 𝗹𝗮𝘆𝗼𝗳𝗳𝘀 𝗮𝗿𝗲 𝗺𝗮𝗸𝗶𝗻𝗴 𝗵𝗲𝗮𝗱𝗹𝗶𝗻𝗲𝘀—𝗯𝘂𝘁 𝘁𝗵𝗲 𝗯𝗶𝗴𝗴𝗲𝗿 𝗽𝗶𝗰𝘁𝘂𝗿𝗲 𝗶𝘀 𝗺𝗼𝗿𝗲 𝗰𝗼𝗺𝗽𝗹𝗶𝗰𝗮𝘁𝗲𝗱.
Some companies are directly replacing certain tasks with AI. Others are redesigning their workforces, shifting resources toward new skills and capabilities, or using AI as one piece of a broader restructuring strategy.

At the same time, broader economic data has not yet shown the kind of widespread job displacement that some of the headlines might suggest. The evidence so far points to a labor market in transition, not a simple story of AI replacing workers across the economy.

For investors, the takeaway is to look beyond the announcement itself. The more meaningful questions are whether AI investments are actually translating into greater productivity, stronger margins, sustainable cash flow, and long-term value.

The headline is real. The explanation is incomplete. Give us a call if you'd like to discuss: 201.848.6802.

𝘋𝘪𝘴𝘤𝘭𝘰𝘴𝘶𝘳𝘦: 𝘊𝘦𝘳𝘦𝘶𝘴 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘈𝘥𝘷𝘪𝘴𝘰𝘳𝘴, 𝘓𝘓𝘊 𝘪𝘴 𝘢 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘦𝘳. 𝘗𝘰𝘴𝘵𝘴 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘢𝘯𝘥 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺—𝘯𝘰𝘵 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘰𝘳 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦 𝘧𝘰𝘳 𝘢𝘯𝘺𝘰𝘯𝘦’𝘴 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘍𝘶𝘵𝘶𝘳𝘦 𝘳𝘦𝘴𝘶𝘭𝘵𝘴 𝘤𝘢𝘯𝘯𝘰𝘵 𝘣𝘦 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥. 𝘚𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘵𝘰 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘸𝘩𝘦𝘳𝘦 𝘊𝘦𝘳𝘦𝘶𝘴 𝘢𝘯𝘥 𝘪𝘵𝘴 𝘳𝘦𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘷𝘦𝘴 𝘢𝘳𝘦 𝘱𝘳𝘰𝘱𝘦𝘳𝘭𝘺 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘥 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵 𝘧𝘳𝘰𝘮 𝘭𝘪𝘤𝘦𝘯𝘴𝘶𝘳𝘦.

09/30/2026

𝗪𝗼𝗿𝗸𝗶𝗻𝗴 𝗶𝗻 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗱𝗼𝗲𝘀𝗻’𝘁 𝗻𝗲𝗰𝗲𝘀𝘀𝗮𝗿𝗶𝗹𝘆 𝗺𝗲𝗮𝗻 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻 𝗳𝗮𝗶𝗹𝗲𝗱.
For many people, retirement is no longer a hard stop between working and not working. It can be a gradual transition that includes part-time work, consulting, seasonal opportunities, mentoring, or even starting a small business.

Continuing to earn income may also add flexibility to your financial plan. Even modest earnings could help cover expenses such as travel, property taxes, healthcare costs, or gifts to family—potentially allowing long-term investments more time to remain invested.

But there’s more to consider than the paycheck. Working during retirement can affect decisions surrounding Social Security, taxes, retirement contributions, Medicare, and portfolio withdrawals.

The goal isn’t necessarily to recreate the busiest years of your career. It’s to decide which parts of work you’d like to keep—and which ones you’re ready to leave behind.

At Cereus Financial Advisors, we can help you look at how work fits into the bigger picture and build a retirement plan around the life you actually want to live.

𝘋𝘪𝘴𝘤𝘭𝘰𝘴𝘶𝘳𝘦: 𝘊𝘦𝘳𝘦𝘶𝘴 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘈𝘥𝘷𝘪𝘴𝘰𝘳𝘴, 𝘓𝘓𝘊 𝘪𝘴 𝘢 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘦𝘳. 𝘗𝘰𝘴𝘵𝘴 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘢𝘯𝘥 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺—𝘯𝘰𝘵 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘰𝘳 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦 𝘧𝘰𝘳 𝘢𝘯𝘺𝘰𝘯𝘦’𝘴 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘍𝘶𝘵𝘶𝘳𝘦 𝘳𝘦𝘴𝘶𝘭𝘵𝘴 𝘤𝘢𝘯𝘯𝘰𝘵 𝘣𝘦 𝘨𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦𝘥. 𝘚𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘵𝘰 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘸𝘩𝘦𝘳𝘦 𝘊𝘦𝘳𝘦𝘶𝘴 𝘢𝘯𝘥 𝘪𝘵𝘴 𝘳𝘦𝘱𝘳𝘦𝘴𝘦𝘯𝘵𝘢𝘵𝘪𝘷𝘦𝘴 𝘢𝘳𝘦 𝘱𝘳𝘰𝘱𝘦𝘳𝘭𝘺 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘥 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵 𝘧𝘳𝘰𝘮 𝘭𝘪𝘤𝘦𝘯𝘴𝘶𝘳𝘦.

09/28/2026

𝗟𝗮𝘀𝘁 𝗰𝗵𝗮𝗻𝗰𝗲 𝘁𝗼 𝗿𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗳𝗼𝗿 𝗼𝘂𝗿 𝗙𝗥𝗘𝗘 𝘄𝗲𝗯𝗶𝗻𝗮𝗿!

It's tonight!

📆 Monday, September 28, 2026
🕑 7:30 – 8:30 PM
📍 Zoom Webinar

Learn more and register here: https://tinyurl.com/v5mh3mvv

With many private colleges topping $90,000 a year (including room and board) and public universities quickly catching up, the cost of higher education can feel overwhelming. Meanwhile, the financial aid process keeps changing with new rules, forms, and deadlines. You need expert advice to help you navigate it all.

The purpose of this complimentary webinar, "College Financial and Merit Aid", is to provide the tools and insights you need to navigate the application process with confidence, explore every opportunity for financial aid and scholarships available to your family, and learn how to apply for and maximize financial aid and merit scholarships.

Don't miss out.
Learn more and register here: https://tinyurl.com/v5mh3mvv

𝘛𝘩𝘪𝘴 𝘷𝘢𝘭𝘶𝘢𝘣𝘭𝘦 𝘸𝘦𝘣𝘪𝘯𝘢𝘳 𝘸𝘪𝘭𝘭 𝘣𝘦 𝘳𝘦𝘤𝘰𝘳𝘥𝘦𝘥, 𝘴𝘰 𝘣𝘦 𝘴𝘶𝘳𝘦 𝘵𝘰 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳 𝘵𝘰 𝘨𝘦𝘵 𝘵𝘩𝘦 𝘳𝘦𝘤𝘰𝘳𝘥𝘪𝘯𝘨, 𝘦𝘷𝘦𝘯 𝘪𝘧 𝘺𝘰𝘶 𝘤𝘢𝘯𝘯𝘰𝘵 𝘢𝘵𝘵𝘦𝘯𝘥 𝘰𝘯 9/28/26.

09/25/2026

𝗛𝗲𝗹𝗽 𝗨𝘀 𝗗𝗼𝘂𝗯𝗹𝗲 𝗢𝘂𝗿 𝗜𝗺𝗽𝗮𝗰𝘁
As part of this year's New York-New Jersey Trail Conference Annual Gala, I'm pleased to offer a dollar-for-dollar matching gift for donations made in honor of Glenda and me.

The Trail Conference's work helps protect and preserve the trails, parks, and natural spaces that make our region such a wonderful place to live, explore, and enjoy. It's an organization that has meant a great deal to our family for many years.

If you'd like to celebrate this special recognition while supporting the Trail Conference's mission, I'd be grateful for your support. Your gift will help fund trail maintenance, conservation efforts, volunteer programs, and educational initiatives that ensure these treasured outdoor spaces remain accessible for generations to come.

To make a donation, purchase Gala tickets, or learn more, please visit: https://www.nynjtc.org/2026-nynjtc-annual-gala/

When making your donation, please indicate that it is made "In Honor of David and Glenda Haas."

09/23/2026

𝗜𝗳 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝗮 𝗵𝗶𝗴𝗵 𝘀𝗰𝗵𝗼𝗼𝗹 𝗷𝘂𝗻𝗶𝗼𝗿 𝗼𝗿 𝘀𝗲𝗻𝗶𝗼𝗿, 𝘁𝗵𝗲𝗻 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗮𝘁𝘁𝗲𝗻𝗱 𝘁𝗵𝗶𝘀 𝗙𝗥𝗘𝗘 𝘄𝗲𝗯𝗶𝗻𝗮𝗿!

With many private colleges topping $90,000 a year (including room and board) and public universities quickly catching up, the cost of higher education can feel overwhelming. Meanwhile, the financial aid process keeps changing with new rules, forms, and deadlines. You need expert advice to help you navigate it all.

The purpose of this complimentary webinar, "College Financial and Merit Aid", is to provide the tools and insights you need to navigate the application process with confidence, explore every opportunity for financial aid and scholarships available to your family, and learn how to apply for and maximize financial aid and merit scholarships.

📆 Monday, September 28, 2026
🕑 7:30 – 8:30 PM
📍 Zoom Webinar

Learn more and register here: https://tinyurl.com/v5mh3mvv

𝘛𝘩𝘪𝘴 𝘷𝘢𝘭𝘶𝘢𝘣𝘭𝘦 𝘸𝘦𝘣𝘪𝘯𝘢𝘳 𝘸𝘪𝘭𝘭 𝘣𝘦 𝘳𝘦𝘤𝘰𝘳𝘥𝘦𝘥, 𝘴𝘰 𝘣𝘦 𝘴𝘶𝘳𝘦 𝘵𝘰 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳 𝘵𝘰 𝘨𝘦𝘵 𝘵𝘩𝘦 𝘳𝘦𝘤𝘰𝘳𝘥𝘪𝘯𝘨, 𝘦𝘷𝘦𝘯 𝘪𝘧 𝘺𝘰𝘶 𝘤𝘢𝘯𝘯𝘰𝘵 𝘢𝘵𝘵𝘦𝘯𝘥 𝘰𝘯 9/28/26.

Cereus Financial Advisors, LLC

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