Christian Clausnitzer, Financial Advisor

10/08/2026

Heading into the fourth quarter, here’s what actually happened to your money in Q3.

The views stated in this post are not necessarily the opinion of Cetera Wealth Services, LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. Past performance does not guarantee future results. Investors cannot invest directly in indexes. The performance of any index is not indicative of the performance of any investment and does not take into account the effects of inflation and the fees and expenses associated with investing.

10/06/2026

PCE inflation is one of the key data points the Fed watches when making decisions on interest rates.

Today’s report gives investors more to watch as we head into the final quarter of 2026.

Economic data matters—but so does having a plan that accounts for uncertainty.

The views stated in this letter are not necessarily the opinion of Cetera Wealth Services, LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. Past performance does not guarantee future results.

09/28/2026

08/05/2026

It was a pleasure speaking with the University of Mary's Physical Therapy graduate students yesterday about starting their careers and the important role financial planning plays in both their personal and professional lives.

A big thank you to Professor Matt Schumacher and the University of Mary for the invitation and the opportunity to share with such an engaged group of future healthcare professionals. Wishing all of the students the very best as they begin this exciting next chapter!

06/22/2026

We're excited to invite our clients to our Client Appreciation Picnic!

Join us for an evening of great food, drinks, and even better company as we celebrate and thank you for being a valued part of our community.

📍 Sertoma Park – Shelter #11
📅 Tuesday, August 11
🕔 5:00–7:00 PM

Enjoy delicious Fireflour Pizza, refreshments, and time to connect with our team in a relaxed, family-friendly setting.

We can't wait to see you there! 🍕☀️

06/18/2026

Had a client with a little over $2M between investments, real estate, and a few business interests.

Everything looked good on paper.

But if something would've happened to him unexpectedly… his family honestly would’ve been left with a complete mess trying to figure everything out.

Accounts everywhere.
No real structure.
Different properties.
Nothing really coordinated.

He thought having a will meant everything was handled already.

It didnt.

We ended up putting a trust structure in place that made everything way more organized and controlled if something ever happens.

But honestly the biggest thing wasnt even the strategy.

It was the relief after.

He told me a few weeks later,
“I didnt realize how stressed I was until this was handled.”

Most people think estate planning is just for ultra wealthy people.

Its not.

A lot of times its just about making life easier for the people you care about.

05/28/2026

One of the most overlooked estate planning tools is Second-to-Die Life Insurance.

Why?

Because the insurance company isn't paying a claim until both spouses have passed away.

I've seen families use these policies to protect millions of dollars in assets while spending far less than they expected on premiums.

Sometimes the biggest value isn't the death benefit.

It's preventing the next generation from being forced to sell the family farm, business, or legacy assets at the worst possible time.

05/18/2026

Roth conversion windows open with major life changing events.

The strategy with this is timing.

Converting up to the tax bracket ceiling and not over.

Include the standard deduction and it could be more.

In 2026, $32,200 for Married filing jointly.
And single filer's, $16,100.

Roth withdrawals in retirement are tax-free and not subject to required minimum distributions.

That flexibility compounds over decades.

Below are some events that can trigger a potential Roth Conversion strategy and the respective tax brackets.