Stacey Spedden-Irrgang, CRPC, FSCP, LUTCF

Stacey Spedden-Irrgang, CRPC, FSCP, LUTCF Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC.

Osaic FA is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic FA.

November is National Home Care and Hospice month. My team and I offer our sincerest thanks to those who help our familie...
11/12/2025

November is National Home Care and Hospice month. My team and I offer our sincerest thanks to those who help our families, our clients, and their families remain in their homes either for short-term care, or end-of-life care. According to A Place for Mom, 70% of people over age 65 will need care at some point in their lives, and it may rise as life expectancy continues to increase. Will you be ready when you need these angels among us? Call me today so we can plan for tomorrow.

Here’s what’s changing:▪️ Buyers can deduct up to $10,000 in auto loan interest each year (2025–2028)▪️ Applies only to ...
08/08/2025

Here’s what’s changing:
▪️ Buyers can deduct up to $10,000 in auto loan interest each year (2025–2028)
▪️ Applies only to new, U.S.-assembled light vehicles purchased for personal use
▪️ Used vehicles and leases do not qualify
▪️ The deduction is available even for those taking the standard deduction
▪️ Income caps apply: phased out above $150K (single) or $250K (joint)

This could affect an estimated 3.5 million vehicle loans this year. But the benefit won’t apply to every buyer, especially those with higher incomes or leasing preferences.


Source: https://www.cbsnews.com/news/auto-loan-interest-deduction-big-beautiful-bill-how-it-works-cbs-news-explains/

How tough is the job market for 2025 grads?It's graduation season—a time of celebration and new beginnings.  This time c...
07/30/2025

How tough is the job market for 2025 grads?

It's graduation season—a time of celebration and new beginnings.

This time can bring excitement and uncertainty for families with college seniors. While some graduates have jobs lined up, many others still are navigating job searches anxiously.

📊 The good news? Hiring for the Class of 2025 is expected to increase 7.3% over last year. While still below 2022 levels, 27% of employers plan to increase hiring, and 40.8% expect to raise starting salaries, with signing bonuses at their highest level since 2019, according to a 2025 report by the National Association of Colleges and Employers.

💼 What are some of the top careers for 2025 grads, according to a 2025 report by Palcaus? Some are more obvious than others!

1. Software Development
2. Healthcare and Nursing
3. Data Science and AI
4. Cybersecurity
5. Digital Marketing
6. Environmental Science
7. HR and Talent Management

👇 Here's a call to action for all of us "seasoned" professionals:
Landing that first job isn't easy. If you know a soon-to-be graduate, consider offering an informational interview, career guidance, or making an introduction—small gestures that can greatly impact their future.

📌 For graduates moving back home, your finances are just as important as your career. If you or someone you know is navigating this transition, we'd be happy to help.

📚 ATTENTION STUDENTS & PARENTS: Important FAFSA UpdateThe federal deadline to submit your 2024-25 FAFSA is June 30, 2025...
07/28/2025

📚 ATTENTION STUDENTS & PARENTS: Important FAFSA Update

The federal deadline to submit your 2024-25 FAFSA is June 30, 2025. Different deadlines may affect available aid options:

🎓 Please Note!
Individual schools often set earlier deadlines.
State deadlines vary, so check your state's deadline
Federal deadline: June 30, 2025

💡 Consider: Many schools and states review applications in order of submission.
Do you have questions about the FAFSA process? Contact my office, and we may be able to provide you with more information.

Ready to tackle back-to-school season without breaking the bank? Discover these easy-to-use budgeting hacks to ease the ...
07/16/2025

Ready to tackle back-to-school season without breaking the bank?

Discover these easy-to-use budgeting hacks to ease the financial strain. Swipe on for clever tips to help start the school year off on the right foot!

Know someone who could use these tips? Tag them to share!

Amazon’s Prime Day Expands to Four Days: What It Signals 🛒📦Amazon is doubling down on Prime Day—extending the event to f...
07/09/2025

Amazon’s Prime Day Expands to Four Days: What It Signals 🛒📦

Amazon is doubling down on Prime Day—extending the event to four full days, from July 8 through July 11. While many headlines focus on deals and discounts, this move highlights larger trends worth watching.

Why it matters:
▪️Consumer behavior is still shifting post-pandemic
▪️Retailers are stretching “sales events” to extend engagement
▪️Small businesses on Amazon are expected to see higher volume
▪️Economic uncertainty may push shoppers to spend more strategically

Whether you're tracking consumer trends or just checking your cart, this year’s Prime Day is about more than just shopping.


Source: https://www.cbsnews.com/news/amazon-prime-day-2025-july/

It's July, which means we're officially halfway through the year! Now's the perfect time to check in on those financial ...
07/09/2025

It's July, which means we're officially halfway through the year! Now's the perfect time to check in on those financial goals you set.

Happy 4th of July! Just as we celebrate our nation's independence, remember to secure your financial independence.
07/04/2025

Happy 4th of July! Just as we celebrate our nation's independence, remember to secure your financial independence.

July Theme
07/02/2025

July Theme

Motivational Monday
06/30/2025

Motivational Monday

Thinking about life insurance? It's not one-size-fits-all! Get to know the main types: Term, Whole, Universal, and Varia...
06/27/2025

Thinking about life insurance? It's not one-size-fits-all! Get to know the main types: Term, Whole, Universal, and Variable life insurance. Each offers unique benefits to protect your loved ones.

Beach Entertainment Ideas
06/25/2025

Beach Entertainment Ideas

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Hunt Valley, MD
21230

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Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 4pm
Friday 8am - 4pm

Telephone

+14107715430

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