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At EnRich Financial Partners, we become the family CFO-Chief Financial Officer.

10/30/2026

Here’s a heads-up: in a few days, you’ll be besieged by ghosts, ghouls, goblins, vampires, and werewolves of every description. But don’t panic — it’s only Halloween.

Preparing for this spookiest of holidays got us thinking: what should our clients do if real ghosts, vampires, or zombies start appearing on their doorsteps?

We realized that there’s been a gap in the financial advice we’ve been providing. None of it can help clients deal with the supernatural!

We’ve decided to remedy that. Here are some tips on how to protect your finances from the clutches of the undead.

🧟 ZOMBIES
Surprisingly, business channels like CNBC® are effective early-warning systems for a zombie apocalypse, as they frequently provide footage of stock exchanges around the world. Keep a close eye on the traders working at these exchanges. Signs to watch out for: moaning, blood-shot eyes, and masses of people incoherently staggering around each other. It can only mean one thing:
Zombies.

Our advice? Never entrust your money to a zombie. They are notoriously bad at investing, because given the chance, they’ll put all their money into braiiiiiiinnnnns.

🧛 VAMPIRES
Fortunately, you already know how to deal with vampires. That’s because vampires have two things in common with another foe: Door-to-door salespeople. Both want to suck you dry…and both can only get into your house if you invite them in.

🐺 WEREWOLVES
Invest in silver.
(Just kidding. We don’t provide investment advice on social media.)

👻 GHOSTS
Ghosts are nothing more than restless spirits unable to move on because of unfinished business in this world.

In other words, they never got their estate planning done.

It’s a known fact that the majority of hauntings come in households that haven’t created a will, designated beneficiaries, or established a trust.

So, if chairs start to move across your kitchen floor, or disembodied voices echo around the room, don’t fret; as soon as you get your estate planning done, those unquiet souls will be banished forever.

Happy Halloween!

10/27/2026

October is Cybersecurity Awareness Month.

The focus is to raise awareness among Americans about the importance of staying safe and secure online.

In 2025, victims lost an estimated $68 billion to fraud and scams, often online. 😱

6% of U.S. adults (about 15 million people) reported being scammed in 2025.1 Another 4% said that a member of their household had been.

The average amount lost per victim was $5,578. But even that doesn’t account for the true cost, which can involve days, weeks, or even months of effort in recovering your identity, changing out cards and accounts, freezing your credit, and more.

With all that in mind, here are some simple but useful tips to increase your own cybersecurity:

🔒 Double your login protection by using multi-factor authentication.
🔑 Shake up your passwords. Use long, creative, custom passwords for different sites.
🛡️ Keep antivirus, and all other, programs up to date.
🕵️ Play “hard to get” with strangers.
ℹ️ Limit what information you post on social media, or anywhere else.
📵 Be aware of what apps are on your mobile devices and the permissions they are granted.
📡 Do not connect to public wireless hotspots without first confirming with an authorized person.

Source: https://news.gallup.com/poll/710984/scam-victims-report-billions-lost-harm-mental-health.aspx

10/22/2026

It’s harvest season again!

But we're not referring to harvesting crops in the field…but rather tax opportunities in your portfolio.

Every investor knows that stocks can go up or down. The gains are obviously good, but what about losses? Is there any way to turn a decline to our advantage?

It may surprise you to learn that the answer is yes.

Investments that decline may actually serve to lower your tax bill. This is called TAX-LOSS HARVESTING, which essentially means to sell securities that have decreased in value to realize a capital loss, and using the loss to offset realized gains.

One study found that when done intentionally, accurately, and consistently, reducing taxes on your investment gains can increase after-tax returns by 1.10%.

Over time, this can make a big difference!

In cases where the investor does not have a realized capital gain but does have losses in a portfolio, the tax code allows a $3,000 deduction in capital losses to be deducted from ordinary income each year. Losses in excess of the $3,000 may be carried forward indefinitely … an important planning tool for future portfolio strategy moves.

What if you have a losing investment that you’d like to harvest, but also don’t really want to sell?

Well, you can always buy it back if you like, so long as you wait 31 days after the date of the sale.

That’s because of the WASH SALE RULE, which states that if the security sold is replaced with an identical one within 31 days before or after the sale, the tax loss is voided.

Tax-loss harvesting is not a requirement for investors, of course, and there are other ways to make your portfolio more tax-efficient. But if you aren’t taking advantage of tax-loss harvesting or aren’t sure whether your financial professional is or not, it’s definitely a technique to consider.

Let us know if you have any questions!

Source: Shomesh Chaudhuri, Terence Burnham, Andrew Lo, “An Empirical Evaluation of Tax-Loss Harvesting Alpha.” https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3351382

10/14/2026

Over the next few weeks, you may see references to “earnings” or “earnings season” in the financial media. But you may not know exactly what this means or why it matters.

Publicly traded companies report their earnings several times throughout the year, along with forward guidance of what they expect the near future to look like.

This can have a major impact on the markets, at least in the short term, so it’s important to understand exactly what the media is talking about when they report on earnings.

To help, we’ve created a quick primer on earnings season, how it works, what gets reported, and why it matters.

Click through the images to learn more, and let us know if you have any questions!

10/12/2026

Recently, we were asked by a young man exactly how a credit score works.

While we don’t normally deal with this side of finance in my line of work, the question made us realize just how opaque so many aspects of finance can be. All of us have or will have to worry about things like our credit score at some point in life, but few people actually get taught exactly how it works or what goes into it.

A lot of things are like that: They make a major impact on our lives, but we don’t actually know much about them.

We enjoy bringing clarity to what can seem to be confusing, so we created this “Anatomy of a Credit Score” graphic.

As you can see, a credit score — more specifically, a FICO score — is broken down into different components. This enables your credit score to reflect both positive and negative information, although the different components are weighted differently. These weightings are different for everyone depending on their history and habits, so the numbers you see on the graphic are averages rather than absolutes.

PAYMENT HISTORY
How well you have paid back your loans in the past. Late payments, foreclosures, and bankruptcy can all negatively affect your score.

AMOUNTS OWED
While owing more money isn’t necessarily a flag, it can be a sign that you are overextended and thus less likely to make payments on time or in full.

LENGTH OF CREDIT HISTORY
The longer your credit history, the better — it’s a track record of your ability to be creditworthy.

TYPES OF CREDIT
The types of credit you have — credit cards, mortgage loans, other personal loans, etc. — play a small role in determining your credit score.

NEW CREDIT
This represents how many new credit accounts you’ve opened recently. It’s a small percentage of your overall score, but when combined with the length of your credit history, it can be an indicator of whether you are overextended or not.

10/08/2026

Bonds have been in the news a lot recently.

But while just about everyone has heard of bonds, most people — sometimes even experienced investors — don’t actually know much about them, how they work, or what the differences are between the various types of bonds.

When you buy a bond, you are lending money to the bond’s issuer. In return, the issuer promises to pay you a specified rate of interest on a regular basis, and then repay the principal (the initial amount you loaned) when the bond matures after a set period of time.

Bonds are one of the most popular types of investments, partly because they are often (but not always) less volatile than stocks.

However, there are many types of bonds, each with different advantages and disadvantages.
Click through the images below to learn a little bit more about each!

10/07/2026

“To know what you know and what you do not know, that is true knowledge.” — Confucius

Every quarter, we like to provide our clients with a “financial checklist” of things they can do to increase their financial knowledge, organization, or empowerment.

This quarter’s checklist is all about increasing your knowledge…by examining what it is you know to find out what you do not know.

Figuring out what it is you do not know about (and then taking steps to correct those gaps in your knowledge) is one of the best ways to feel clarity regarding your financial present, and confidence in your financial future.

So, this quarter’s checklist is designed to help you bridge those gaps, if and where they exist. Some items may not apply to you; others you may be able to check off instantly. But for any that you cannot check off, our advice is to prioritize them as soon as possible. Let me know if we can help!

In the meantime, we wish you a great fourth quarter and a happy holiday season!

09/30/2026

We're always on the lookout for little things we can all do to keep costs down. According to the Energy Department the typical family spends more than $1,400 per year on utilities. As we march forward into the autumn weather, it's almost time to turn up the furnace and shut the windows. Here are some useful tips to keep the drafts out and the power bills down this fall.

1. Conduct a home energy audit before it gets cold. Many utility companies offer a free or low-cost assessment of your home to find areas where your house is wasting energy, including poor insulation, an inefficient HVAC system, appliances drawing too much power, and more.

2. Seal air leaks and check your insulation. Much of a home's energy can get wasted through air leaks in windows, attics, and ducts.

3. Lower your thermostat when you leave the house. According to the Department of Energy, adjusting the thermostat when you leave and return home can save you money and energy.

4. Slow and steady wins the race when it comes to temperature! When adjusting the temperature, set the temperature only for the temperature you want to heat to instead of turning it up hotter to get it to heat faster. The Department of Energy recommends setting it for 68F in the winter.

5. Only run the dishwasher when enough dishes have accumulated for a full load to run through.

6. When drying clothes, dry them with groups of similar clothes to prevent over drying. Normal clothes dried with normal clothes, sheets dried with other sheets, and big winter jackets with other winter jackets.

Source:
https://consumer.ftc.gov/articles/how-save-money-heating-and-cooling-your-home
https://www.saveonenergy.com/resources/save-energy-this-fall/
https://www.energy.gov/cmei/femp/home-energy-checklist
https://www.energystar.gov/products/recent_program_updates/low-no-cost-tips
https://www.coolray.com/help-guides/three-thermostat-myths-that-cost-you-money-each-month

09/22/2026

Business owners face all sorts of challenges that most people never think about. But that list of challenges doesn't usually shrink as they get closer to retirement. If anything, it gets even larger. That's because business owners have to start thinking about:

-How to determine the value of their business
-How to find a buyer or family member to transition to
-Choosing the right time to sell
-Determining whether selling your business will bring in enough proceeds to fund your retirement and other financial goals.

According to Gallup, 74% of employer-business owners plan to sell or transfer ownership one day.

But 65% of those business owners don't have a succession plan in place.

And 98% of small business owners don't know the value of their own companies.

If you are a business owner, there are few things you can do that are more important than creating a formal, WRITTEN transition plan.

But what does a business transition plan actually cover?

First, an effective plan should include a thorough analysis of your business, including its:

-Finances and management structure
-Team roles and responsibilities
-Competitive environment
-Unique value proposition, plus branding strengths and weaknesses
-Ideal customer profile
-Basic policies and procedures for ensuring smooth day-to-day operations.

Basically, it should show what your business needs in order to be successful. Think of it as an inventory of what you have to work with.

Next, it should address the most important needs you'll have when it comes to selling or transitioning your business:

-How to ensure the orderly payment and transition of ownership/management to your successor/heir.
-How to minimize the taxes that come from selling your business, for all parties involved.
-How to ensure you have sufficient assets to pay estate taxes or to provide necessary liquidity to the business during the transition period.

Business owners often don't have much time to think too far ahead, and this is just scratching the surface. But if you are a business owner who does not yet have a transition plan, we cannot recommend this strongly enough: Get started on one before the year is out.

It is such an incredible secret weapon for ensuring that your company remains viable in the long run, that you can always take care of your customers and employees, and that you can personally derive the maximum value from your business one day.

Sources:
- https://news.gallup.com/poll/657362/small-business-owners-lack-succession-plan.aspx
- https://www.investmentnews.com/retirement-planning/most-potential-business-successors-think-theres-a-plan-but-owners-say-otherwise/267296
- https://www.cnbc.com/2022/07/17/most-business-owners-dont-do-the-math-on-their-most-valuable-asset.html

09/16/2026

September is "Life Insurance Awareness" month!

Here's a comment I often hear:

"There are too many options for life insurance! It's impossible to know which one to choose."😭

Trust me... You're not alone. 👇

More than half of Millennials haven't gotten coverage because they don't know which type or how much insurance to buy, according to one study. (https://www.limra.com/en/research/research-abstracts-public/2018/2018-insurance-barometer/)

Yes, there are a variety of options, but that should be viewed as a way to tailor coverage to meet your individual needs — not as a deterrent to working toward securing your financial future.

In general, there are two major categories of life insurance — term and permanent.

🤔So which one makes sense?

It all depends on your needs.

You can think of the difference as: renting (term) vs. buying (permanent).

Term: If your primary goal is to provide for your family in case of an unexpected death, and you want to cover this risk for a fixed number of years (such as until your children are grown), then term insurance is likely the most appropriate option.

Permanent: On the other hand, if your goal is to provide for a lifetime need, or you have other potential goals, such as wealth transfer or potentially covering a long-term care need, permanent insurance may be more appropriate.

Address

6502 Grand Teton Plz, Ste 201
Madison, WI
53719

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Telephone

+16082753442

Website

http://www.enrichpartners.com/

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