Yuma & Imperial Valley Wealth Management

10/02/2026

A low monthly premium can look appealing when you’re comparing Medicare plans. But it’s only one piece of the decision.

The doctors you want to keep seeing, the prescriptions you take, and even where you spend your time can all affect which coverage works better for you.

Here are a few things worth looking at before you choose:

Choosing the right Medicare plan is one of the most important decisions seniors face. It’s also one of the most difficult. The healthcare system isn’t

09/30/2026

Medicare timing can sneak up on you.

Your initial enrollment period usually starts three months before the month you turn 65 and continues for three months after. But things like employer coverage can change when you need to sign up.

A little planning now can help you understand which window applies to you: https://www.yivwm.com/insights/blog/when-should-i-sign-up-for-medicare/

09/28/2026

We had a great time this past weekend supporting the Foothills Rotary Golf Tournament as the Hole-in-One Sponsor, with a trip to Hawaii up for grabs! ⛳️🌴

It was a fun Saturday on the course, and even better knowing the event supports meaningful work in our community. Proceeds help fund Foothills Rotary’s scholarships for Gila Ridge Students of the Month, along with this year’s project with Corona Optique to provide glasses for local students in need.

Thank you to Foothills Rotary for putting together such a great event. We’re always grateful for opportunities to support programs that make a difference in our community!

09/26/2026

Most of us know what we’d like our investments to do over time.

What’s harder to pin down is how much risk we’re actually comfortable taking to get there.

That’s where this quick quiz can help.

Take the Investment Risk Tolerance Quiz to get a better sense of how you think about long-term growth and risk: https://www.yivwm.com/ -section

09/26/2026

Congratulations to George Davis on an incredible 20 years! 🎉

George has made a lasting impact through his dedication, persistence, and the relationships he has built with both clients and our team. He is always willing to learn, step in when needed, and bring his experience to the table. Twenty years comes with plenty of accomplishments, memories, and some pretty great stories along the way. We’re grateful for everything George has contributed and for the role he continues to play in making Yuma & Imperial Valley Wealth Management what it is today.

Cheers to 20 years! 🥂👏

09/25/2026

Big deficits usually show up when the economy is under stress.

That’s what makes the current situation different.

We’re more than five years into an economic expansion, inflation is still elevated, and the federal deficit has already reached about $1.8 trillion with two months left in the fiscal year.

Add the huge capital needs of the AI buildout, and there’s a lot of competition for money.

See why that combination is putting more pressure on the cost of capital: https://www.yivwm.com/insights/blog/fiscal-deficits-are-exploding-and-thats-a-problem/

09/24/2026

Come meet John one-on-one in a relaxed, welcoming environment and bring along any questions you’ve been wanting to ask. Whether you’re looking for general guidance, want to better understand your financial picture, or simply want to start a conversation, this is an easy opportunity to connect.

Coffee on Us: You bring the questions; I buy the coffee. ☕️
Join John tomorrow 9-25 at Creation Coffee Co. from 10:00–11:30 AM.

09/23/2026

The plan with the lowest monthly premium isn’t always the one that saves you the most money.

A plan might look great on paper, but once you add in your doctors, prescriptions, and what you’ll actually pay out of pocket, the numbers can shift fast.

That’s why open enrollment is about more than just comparing monthly premiums.

See five things to look at before choosing your coverage for the year ahead: https://www.yivwm.com/insights/blog/5-tips-for-getting-the-right-medicare-coverage-this-open-enrollment-season/

09/18/2026

A retirement budget can look solid on paper and still miss what your lifestyle actually costs.

More time at home can mean higher utilities. More free time can turn into more dinners out, projects, or trips. Those little extras can add up faster than expected.

Instead of starting with what you think you’ll spend, it may help to look at what your current lifestyle is really costing you.

See the tips that can help you build a more realistic retirement spending plan: https://www.yivwm.com/insights/blog/dont-blow-your-budget-tips-to-create-your-retirement-spending-plan/

09/18/2026

We’re grateful to celebrate 3 years with Kay Pallack! 🎉

Kay’s constant positive attitude, dedication, and genuine care for those around her make such a meaningful difference to our team and the clients she works with. We truly appreciate the energy and encouragement she brings each day.
Happy 3-year anniversary, Kay! We are lucky to have you as part of YIV.