Sherpa Financial Advisors

10/20/2026

With 2 of my kids in college, this article struck a cord. One thing it did not mention that I've learned is how much my daughters' college experiences are teaching them about "adulting"...managing money, long-term planning, household responsibilities, advocating for themselves, conflict management, etc.

The article discusses how only 31% of Americans now call college “very important,” down from 70% in 2013, yet enrollment is still rising. The concern is mostly about cost, not value. Degree holders still earn more and face lower unemployment. Families are now asking whether a specific path is worth its price, which is also driving growth in community colleges and vocational programs.

Just 31% of U.S. adults say college is very important. Yet enrollment is growing as families ask hard questions about what a degree costs and what it delivers.

10/15/2026

Increased life expectancy means rethinking retirement planning. Financial planning must adapt to ensure aging doesn't become a financial burden. Running a Financial Success Stress Test (https://www.sherpafa.com/money-guide-pro) is one way to help identify where you are at risk.

What’s changed about life expectancy—and why It matters

10/06/2026

Financial wellness involves both financial independence and retirement. They're distinct concepts: independence means having enough income to cover expenses without working, while retirement involves exiting the workforce. Effective financial planning bridges these goals.

While financial independence and retirement often get confused for the same thing, they're not—and understanding the differences can help you make retirement decisions.

10/01/2026

A common online security tool is now being used in a new type of scam.

Cybercriminals are increasingly using fake CAPTCHA prompts — the familiar “I’m not a robot” checks — to trick users into taking actions that can compromise their devices.

Instead of a simple verification, these prompts may ask users to click “Allow,” enable notifications, or follow additional steps that can lead to persistent pop-ups, phishing attempts, or unwanted software.

These scams often appear through ads, suspicious links, or redirected web pages, making them harder to spot at first glance.

Security experts note that legitimate CAPTCHA tests do not require enabling notifications, downloading files, or entering system commands — making those requests a potential red flag.

As these tactics evolve, staying cautious when interacting with unexpected prompts can help reduce exposure to online threats.


Source:

Cybercriminals are increasingly using fake CAPTCHA prompts to trick users into enabling malware and scam notifications Security experts warn the ta

09/29/2026

Loud and flashy investments are often more risky. Investment psychology is worth understanding. I'm a firm believer in prioritizing long-term benefits that foster a more stable investment journey. Great article!

Risk is loud, opportunity is quiet—which helps explain why people often fear loss more than they value upside.

09/28/2026

09/24/2026

A large 401(k) might become a tax issue later. You might be tired of hearing this but it's true: Diversification can help manage potential tax liabilities. Smart financial planning today can positively impact future tax benefits.

Having retirement dollars mainly in traditional savings plans can handcuff older workers.