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      Hi Neighbor, I'm David A. Iobst, CFP®

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      Newsletters

      Will you outlive your retirement income? Are your financial expectations for the coming year realistic?

      Our financial newsletters are designed to provide helpful information on a wide variety of financial topics. Simply click on one of the newsletter topics below to read the article in its entirety.

      September

      Notes record issuance of municipal bonds and their tax-exempt appeal.

      September

      Describes benefits of volunteer travel for personal growth and giving back.

      May

      Outlines how estates handle debts of deceased individuals.

      April

      Shows U.S. debt and deficit trends as of 2025.

      June

      Explains hospital observation status and its billing pitfalls.

      August

      Provides an overview of key provisions in the new "One Big Beautiful Bill Act."

      November

      Shows how transfer-on-death designations help avoid probate costs.

      August

      Offers tips to couples with opposite financial styles for finding balance.

      September

      Explains importance of rare-earth minerals and their role in technology and security.

      November

      Reviews annual enrollment dates and options for Medicare participants.

      November

      Explains how future tax rules may impact deductibility of charitable donations.

      November

      Explores how investment strategy changes once retirement begins.

      September

      Explains that landlord policies don't cover tenants' personal property.

      October

      Explains benefits of employee-stock ownership plans for succession planning.

      August

      Notes declining prices for new appliances but rising repair costs; when to replace vs repair.

      January

      These plans have generous contribution limits that increase with age, which may allow high-income business owners to catch up on retirement savings and significantly reduce their taxable incomes.

      July

      The standard monthly Part B premium is $185 in 2025, but income-based adjustments may apply.

      September

      Encourages proactive dialogue to ensure financial well-being of aging parents.

      April

      Encourages planning for financial impact of a cancer diagnosis.

      July

      Explains how S&P 500 sector funds behave differently and why diversifying across them can be useful.

      November

      Describes financial burdens associated with end-of-life care and funerals.

      January

      This article discusses economic forecasts for 2026 and the trends that are influencing them, including surging AI investment.

      December

      Closed-end funds are considered to carry higher risk but may provide a higher income stream than traditional mutual funds holding similar securities.

      August

      Guides readers through estimating a realistic retirement savings target.

      December

      It’s a good idea to regularly review beneficiary designations to be sure they are complete and reflect current wishes.

      December

      The day-to-day demands of supporting multiple generations can take a toll, but planning and support might help achieve a workable balance.

      December

      The prospect of unlimited paid time off may be appealing, but there are also some potential pitfalls to consider.

      April

      Discusses prospects of shorter workweeks aided by technology.

      May

      Explains why tariffs have shaken markets and long-term trends to consider.

      April

      Details early-2025 correction caused by trade tensions and slowing growth.

      June

      Describes convertible bonds and their balance of stability and upside.

      October

      Suggests considering life insurance for stability during uncertain markets.

      July

      Compares control, maturity, and performance differences between individual bonds and bond funds.

      November

      Describes how Roth accounts can generate tax-free retirement income.

      July

      Outlines best practices for safe peer-to-peer payment app transactions.

      April

      Explains how target-date funds work and key factors investors overlook.

      October

      Analyzes the Fed's trade-offs between employment and inflation concerns.

      July

      Explains potential 20 % QBI deductions and qualified property benefits for pass-through entities.

      June

      Shows when coverage may still make sense for retirees.

      May

      Advises small businesses on cybersecurity risk management.

      June

      Explains expanded uses making 529 plans more flexible.

      April

      Compares tax treatment of Traditional vs Roth plan contributions.

      August

      Shows how combining small-, mid- and large-cap funds enhances diversification.

      October

      Summarizes new 401(k) features introduced under the SECURE 2.0 Act.

      October

      Outlines steps toward handling financial setbacks and emerging stronger.

      January

      Considering some important issues now could provide more options in the event of early retirement.

      May

      Explains new federal law and DOT rules for air-travel consumer rights.

      June

      Encourages older workers to maximize catch-up contributions.

      May

      Shows how qualified longevity annuity contracts create lifetime income.

      September

      Shows how high-income earners can create tax-free retirement income via workplace plans.

      July

      At age 94, Warren Buffett announced retirement as CEO of Berkshire Hathaway; article reviews his investing fundamentals and insights.

      June

      Reviews the downgrade from Aaa to Aa1 and possible market effects.

      May

      Discusses ETF adoption and advantages over mutual funds.

      October

      Provides tips for managing rising food prices through smart shopping.

      December

      Survivorship life insurance may be a cost-effective coverage solution for older couples or business partners.

      January

      It’s important for heirs to consider how a windfall might be used to strengthen their finances now and over the long term.

      August

      Explains special costs and financial implications of condo ownership.

      January

      In addition to advancing philanthropic goals, strategic charitable donations may offer tax advantages.

      January

      The One Big Beautiful Bill Act includes many provisions that affect higher education.

      December

      The longest government shutdown in U.S. history ended on November 12, 2025. This article looks at the bill that ended the shutdown, issues that are unresolved, and estimates of the economic impact.

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