Ferlita Nussel Dowell Financial Group

10/23/2025

Most people don’t know what the EBRI Retirement Confidence Survey is, but it offers a fascinating snapshot of how Americans actually feel about retirement.

From cost-of-living worries to healthcare expectations and gaps in Social Security knowledge, the numbers reveal something clear: you're not alone if you're unsure.

Whether you're still working or already retired, the key isn't knowing all the answers—it's knowing where to start asking better questions.

Source: EBRI.org, April 25, 2025

This material is provided as a courtesy and for educational purposes only. Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation. All information contained herein is derived from sources deemed to be reliable but cannot be guaranteed. All views/opinions expressed in this newsletter are solely those of the author and do not reflect the views/opinions held by Advisory Services Network, LLC.

10/06/2025

Is your financial advisor in the loop? Your life changes — your financial plan should too.
🎯Share your goals. Your advisor can’t support what they don’t know.
🏙️Tell your advisor big life news right away. Major life changes like marriage, a baby, or buying a home can impact your plan.
💼Career shifts matter too. New job or raise? Keep your advisor informed about career changes.
🤝Be open, honest and curious. Talk about the things that matter to you, the things that concern you, and above all, ask frank questions.

Your financial plan should reflect your life, not just your numbers. That’s why open, ongoing communication with your advisor is key.

At FND Financial Group, we do more than manage portfolios. We partner with you through life’s transitions.

This material is provided as a courtesy and for educational purposes only. Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation.

10/01/2025

It’s Financial Planning Month — don’t let the year slip away without a plan.
Whether you’re just starting your financial journey or refining an established strategy, a solid financial roadmap can help you feel more confident about your future.

⏳ The end of the year is closer than you think.

👉 Reach out to book your year-end strategy session today and finish strong. Your future self will thank you.



This material is provided as a courtesy and for educational purposes only. Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation.

08/18/2025

If you inherited an individual retirement account (IRA) in 2020, you're 5 years in.

That means you have just 5 years left to deplete the account if you want to avoid penalties.

What should you do now?
✅ Review the remaining balance
✅ Evaluate your tax bracket
✅ Start or adjust your withdrawal strategy
✅ Consider changes coming in down the road

📞 Don’t guess. We can offer guidance based on your individual situation.



Source: IRS.gov, August 26, 2024 https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary

This material is provided as a courtesy and for educational purposes only. Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation.

08/11/2025

Not everyone has to follow the 10-year withdrawal rule.

If you’re one of the following, you may be exempt:
✅ Spouse
✅ Minor child
✅ Permanently disabled or chronically ill
✅ Less than 10 years younger than the deceased

Instead, you may qualify for a different set of withdrawal rules.

👉 Consider working with a trusted financial professional team like us.
📌 Penalties may apply for missed Required Minimum Distributions (RMDs).

Different minimum distribution requirements may apply to a surviving spouse of an IRA owner, a disabled or chronically ill individual, an individual who is not more
Don’t leave your legacy—or your taxes—to chance.

Book a consultation today or visit www.fndfg.com for expert support tailored to your situation.



Source: IRS.gov, August 26, 2024. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary

This material is provided as a courtesy and for educational purposes only. Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation.

08/06/2025

The SECURE Act changed the game for inherited IRAs.

Now, most non-spouse beneficiaries must withdraw all funds by the end of year 10.

But here's the twist:
📊A Required Minimum Distribution (RMD) must be distributed by the end of the 10th calendar year after the year of the individual retirement account (IRA) owner's death. Penalties may apply for missed RMDs. Different minimum distribution requirements may apply to a surviving spouse of an IRA owner or a disabled or chronically ill individual.

Think you have time to figure out that inherited IRA?⏳ Think again.

If you don’t take the Required Minimum Distribution (RMD) by the 10th year, you could face a 50% penalty on what you should have withdrawn.

And if you’re a surviving spouse or a beneficiary with special circumstances, the rules might be different—and just as confusing.

Don’t leave it to chance. Book your appointment today and make sure you’re following the right rules for your situation.

Link in bio to book


Source: IRS.gov, August 26, 2024. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary
This material is provided as a courtesy and for educational purposes only. Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation.

08/04/2025

August is National Make-A-Will Month, a timely reminder that estate documentation deserves your attention.

A whopping 76% of Americans don't have a will. This can lead to unintended consequences for those with asset distribution and care for children.
A comprehensive estate strategy can help preserve your legacy while helping manage the probate process.

Consider reviewing your documentation periodically, particularly after significant life events such as marriage, divorce, or the birth of children and grandchildren.

Our team can help your legal counsel facilitate comprehensive estate coordination.
Contact us to discuss how we can help.

Source: Caring.com, February 18, 2025.

This material is provided as a courtesy and for educational purposes only. Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation.

08/01/2025

If you've inherited an individual retirement account (IRA), you might be sitting on a powerful financial opportunity, but keep in mind that rules have changed in the past few years. The SECURE Act’s 10-year rule means many beneficiaries must empty the account within 10 years of the original owner’s passing.

Some exceptions apply.
👉 Consider speaking to our trusted financial professional team for guidance.
👉 Penalties may apply for missed Required Minimum Distributions (RMDs).

Different minimum distribution requirements may apply to a surviving spouse of an IRA owner, a disabled or chronically ill individual, an individual who is not more
Inherited an IRA?

The rules can be complex, but you don’t have to navigate them alone. Connect with us today for guidance tailored to your unique situation.


Source: IRS.gov, August 26, 2024. irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary

This material is provided as a courtesy and for educational purposes only. Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation.

07/25/2025

🧠 Here’s a thought… “Estate” isn’t just about assets; it also involves thoughtful preparation for how responsibilities and decisions may be handled in the future. Whether you're outlining your wishes or reviewing existing strategies, TODAY is a great time to reflect on what matters most.

Have you also considered…
💭 Updating your will
💭 Considering powers of attorney
💭 Exploring strategies for future generations
💭 Aiming to reduce potential stress for loved ones

Everyone’s situation is unique. Have questions? Book a consultation or visit https://fndfg.com to get personalized guidance. We're here to help every step of the way.



Our firm does not offer legal advice. Consult your legal advisor regarding your situation

We can help you manage your wealth and assets so you can pursue your goals. Schedule a meeting with one of our financial advisors, today.

07/22/2025

Our recent trip to Banff. 🇨🇦

Taking strategy sessions to new heights—literally. Grateful for a team that works hard, thinks big, and makes time to recharge in places like this.

06/25/2025

Are You Prepared for Geopolitical Risk?

As the global landscape continues to shift, geopolitical risk is no longer something investors and business leaders can afford to overlook.

From political unrest and trade disputes to sanctions and military tensions, these events can disrupt markets, supply chains, and long-team financial strategies.

At FND Financial Group, we’re monitoring developments closely to help our clients make informed, confident decisions.

✅ Now is a great time to:
– Review your portfolio’s risk exposure
– Reassess your global strategy
– Strengthen your long-term financial positioning

📊 Not sure if your investments align with your risk tolerance?
Take our 5-minute Risk Analysis Quiz—no pressure, just clarity.

https://pro.riskalyze.com/embed/1c9c4a0ac17158b6c52a

Advisory services offered through FND Wealth Management. A Member of Advisory Services Network, LLC.