Altus Wealth Management

"𝗪𝗵𝗮𝘁𝗲𝘃𝗲𝗿 𝗮𝗳𝗳𝗲𝗰𝘁𝘀 𝗼𝗻𝗲 𝗱𝗶𝗿𝗲𝗰𝘁𝗹𝘆, 𝗮𝗳𝗳𝗲𝗰𝘁𝘀 𝗮𝗹𝗹 𝗶𝗻𝗱𝗶𝗿𝗲𝗰𝘁𝗹𝘆." – 𝗗𝗿. 𝗠𝗮𝗿𝘁𝗶𝗻 𝗟𝘂𝘁𝗵𝗲𝗿 𝗞𝗶𝗻𝗴 𝗝𝗿. Today, on Martin Luther King Jr. Day, we honor the timeless wisdom of Dr. King, whose vision of unity and shared purpose continues to inspire us. His words remind us that our actions and decisions today can create a meaningful impact—for our communities and for generations to come. Dr. King believed in building a better future for everyone, a principle that resonates deeply with us as financial advisors. Thoughtful financial planning is not only a way to provide for your loved ones but also to shape a legacy that reflects your values and uplifts others. 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 𝘁𝗼 𝗖𝗿𝗲𝗮𝘁𝗲 𝗮 𝗟𝗲𝗴𝗮𝗰𝘆 𝗼𝗳 𝗜𝗺𝗽𝗮𝗰𝘁: 𝗟𝗲𝗴𝗮𝗰𝘆 & 𝗠𝘂𝗹𝘁𝗶-𝗚𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗪𝗲𝗮𝗹𝘁𝗵 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴: Secure your family’s future by creating a financial plan that supports your loved ones now and empowers future generations. 𝗘𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻 𝗙𝘂𝗻𝗱𝘀: Open the door to opportunity with education-focused savings, like 529 plans, that provide lasting value by investing in the knowledge and growth of the next generation. 𝗣𝗵𝗶𝗹𝗮𝗻𝘁𝗵𝗿𝗼𝗽𝘆 & 𝗖𝗵𝗮𝗿𝗶𝘁𝗮𝗯𝗹𝗲 𝗚𝗶𝘃𝗶𝗻𝗴: Invest in the causes that matter to you. Establish a giving plan or donor-advised fund to magnify the impact of your contributions and support your community. 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴: Create a comprehensive plan to protect your assets, minimize taxes, and ensure that your wishes for your family and beneficiaries are fulfilled. Dr. King's belief in community and empowerment inspires us to ask a vital question: “How can I ensure that my legacy helps others thrive?” Whether it’s through supporting your children’s education, contributing to charitable causes, or passing down wealth responsibly, every thoughtful decision contributes to a brighter future. 𝗪𝗲’𝗿𝗲 𝗛𝗲𝗿𝗲 𝘁𝗼 𝗛𝗲𝗹𝗽: Our team specializes in creating personalized financial strategies that honor your values, secure your family’s future, and amplify your impact on the community. Reach out today to begin building a legacy that matters. https://lnkd.in/gc6_dmDg #MLKDay #LegacyPlanning #GenerationalWealth #Philanthropy

This post is a continuation of our Financial Wellness Series for Financial Wellness Month! We’re sharing simple strategies to help you save for your goals and build financial security. Saving money isn’t just an act of discipline—it’s a way to create financial security, achieve your dreams, and prepare for the unexpected. Whether you’re saving for a big goal or building a safety net, having the right strategies in place can make all the difference. 𝗣𝗿𝗮𝗰𝘁𝗶𝗰𝗮𝗹 𝗦𝗮𝘃𝗶𝗻𝗴 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 𝘁𝗼 𝗦𝘁𝗮𝗿𝘁 𝗧𝗼𝗱𝗮𝘆: 𝟭. 𝗖𝗿𝗲𝗮𝘁𝗲 𝗮𝗻 𝗘𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝘆 𝗙𝘂𝗻𝗱: Life is unpredictable, but your finances don’t have to be. Aim to save 3-6 months’ worth of living expenses in an easily accessible account. This safety net gives you peace of mind and protects you from unexpected costs. 𝟮. 𝗔𝘂𝘁𝗼𝗺𝗮𝘁𝗲 𝗬𝗼𝘂𝗿 𝗦𝗮𝘃𝗶𝗻𝗴𝘀: Make saving effortless! Set up automatic transfers from your checking account to your savings account right after payday. It’s a “set it and forget it” strategy that ensures you’re consistently saving without even thinking about it. 𝟯. 𝗙𝗶𝗻𝗱 𝗖𝗿𝗲𝗮𝘁𝗶𝘃𝗲 𝗪𝗮𝘆𝘀 𝘁𝗼 𝗥𝗲𝗱𝘂𝗰𝗲 𝗘𝘅𝗽𝗲𝗻𝘀𝗲𝘀: Skip impulse purchases and plan meals at home. Look for cheaper alternatives for recurring expenses like phone bills or streaming services. Unsubscribe from “deal” emails to avoid unnecessary spending. Savings can come from small changes that add up to big results! 𝟰. 𝗨𝘀𝗲 𝘁𝗵𝗲 𝟱𝟬/𝟯𝟬/𝟮𝟬 𝗥𝘂𝗹𝗲: Allocate 50% of your income for needs, 30% for wants, and 20% for savings. This simple framework helps balance current spending and future security. 𝟱. 𝗦𝗲𝘁 𝗖𝗹𝗲𝗮𝗿 𝗦𝗮𝘃𝗶𝗻𝗴 𝗚𝗼𝗮𝗹𝘀: Whether it’s for a down payment, vacation, or retirement, having a clear goal makes saving meaningful. Break your goal into smaller milestones to track your progress and stay motivated. 𝟲. 𝗖𝗲𝗹𝗲𝗯𝗿𝗮𝘁𝗲 𝗣𝗿𝗼𝗴𝗿𝗲𝘀𝘀: Achieving your savings target, no matter how small, is a win! Reward yourself with something simple in line with your budget to stay inspired. It’s not about how much you save in a single week—it’s about building a habit that keeps growing over time because consistency wins the race. https://lnkd.in/gDh_VXJA #FinancialWellnessMonth #SmartSaving #EmergencyFund

The 2025 College Football Playoff National Championship is right around the corner, and as we cheer on the top teams, we can also learn a thing or two from the strategies that make champions. The same principles these coaches and players rely on for success can help you win in your financial life. 𝗟𝗲𝘀𝘀𝗼𝗻 𝟭 | 𝗣𝗿𝗲𝗽𝗮𝗿𝗮𝘁𝗶𝗼𝗻 𝗶𝘀 𝗞𝗲𝘆 Teams practice for months to perfect their plays. Similarly, building a solid financial plan takes preparation. Start by analyzing your current financial situation, setting clear goals, and creating a step-by-step game plan to reach them. 𝗟𝗲𝘀𝘀𝗼𝗻 𝟮 | 𝗔𝗱𝗮𝗽𝘁𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗟𝗲𝗮𝗱𝘀 𝘁𝗼 𝗦𝘂𝗰𝗰𝗲𝘀𝘀 Coaches adjust strategies mid-game to tackle unexpected challenges. Financial planning requires the same flexibility. Life will present surprises—whether it’s a career change, market shifts, or unexpected expenses. Stay calm, reassess your strategy, and pivot as needed to stay on track. 𝗟𝗲𝘀𝘀𝗼𝗻 𝟯 | 𝗧𝗲𝗮𝗺𝘄𝗼𝗿𝗸 𝗠𝗮𝗸𝗲𝘀 𝘁𝗵𝗲 𝗗𝗿𝗲𝗮𝗺 𝗪𝗼𝗿𝗸 No championship is won alone. Just like athletes have coaches, teammates, and support staff, your financial success depends on the team around you. Build your team by consulting financial advisors, accountants, and even trusted friends or family for advice and accountability. 𝗟𝗲𝘀𝘀𝗼𝗻 𝟰 | 𝗙𝗼𝗰𝘂𝘀 𝗼𝗻 𝘁𝗵𝗲 𝗚𝗼𝗮𝗹 Every team has their eyes on the big prize. Financial planning is the same. Stay motivated by envisioning what financial “victory” looks like for you. Whether it’s buying your dream home, sending your kids to college, or retiring comfortably, keep your goal at the forefront of every decision. 𝗪𝗵𝗮𝘁’𝘀 𝗬𝗼𝘂𝗿 𝗖𝗵𝗮𝗺𝗽𝗶𝗼𝗻𝘀𝗵𝗶𝗽 𝗠𝗼𝗺𝗲𝗻𝘁? The excitement of the upcoming championship reminds us that success isn’t an accident—it’s a result of commitment, strategy, and teamwork. Apply these lessons to your financial game plan, and you’ll celebrate victory in no time. Ready to craft your winning game plan? Reach out to us for personalized financial advice today! https://lnkd.in/gDh_VXJA #FinancialGamePlan #WealthPlanning #NationalChampionship

January 20th marks the inauguration of Donald Trump as President, bringing the start of a new administration and the policies it will introduce. Many of you may be wondering what his administration's policies could mean for your personal finances and investments. From potential tax reforms to shifts in economic priorities, a new presidency often brings opportunities as well as uncertainties. 𝗛𝗲𝗿𝗲 𝗮𝗿𝗲 𝗮 𝗳𝗲𝘄 𝗸𝗲𝘆 𝗮𝗿𝗲𝗮𝘀 𝘁𝗼 𝘄𝗮𝘁𝗰𝗵 𝗮𝗻𝗱 𝗽𝗹𝗮𝗻 𝗳𝗼𝗿 𝗶𝗻 𝘁𝗵𝗲 𝗺𝗼𝗻𝘁𝗵𝘀 𝗮𝗵𝗲𝗮𝗱: 𝗧𝗮𝘅 𝗥𝗲𝗳𝗼𝗿𝗺: Proposed changes could impact income taxes, capital gains, and estate planning strategies. Staying ahead of these changes may help optimize your approach. 𝗠𝗮𝗿𝗸𝗲𝘁 𝗩𝗼𝗹𝗮𝘁𝗶𝗹𝗶𝘁𝘆: Administration policy shifts, such as trade agreements or deregulation efforts, could influence stock markets. Diversification and staying the course for long-term investing remains critical during periods of market fluctuation. 𝗘𝗰𝗼𝗻𝗼𝗺𝗶𝗰 𝗚𝗿𝗼𝘄𝘁𝗵 𝗣𝗼𝗹𝗶𝗰𝗶𝗲𝘀: Potential infrastructure spending, corporate tax changes, or trade policy developments could present both risks and opportunities across different sectors. Rest assured, as financial advisors, we’re here to guide you through these changes with a strategy tailored to your unique goals. Together, we’ll focus on keeping your plan adaptable, resilient, and aligned with your long-term vision. Have questions about how your financial plan may be affected? Concerned about retirement savings, investment portfolios, or tax strategies? Reach out for a one-on-one consultation. Let's address your concerns and adjust your plan as needed to stay ahead. No matter the political landscape, sound financial principles still apply. With thoughtful planning and informed decisions, we can turn uncertainty into opportunity and keep your financial future on track. https://lnkd.in/gAuDAMPn #FinancialPlanning #EconomicChanges #TaxReform

As part of our Financial Wellness Series this month, we’re shining a spotlight on setting financial goals—the foundation of every successful financial plan. Setting clear goals gives purpose to your budgeting, saving, and investing efforts, helping you stay focused and motivated. 𝗛𝗼𝘄 𝘁𝗼 𝗦𝗲𝘁 𝗦𝗠𝗔𝗥𝗧 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗚𝗼𝗮𝗹𝘀: 𝟭. 𝗕𝗲 𝗦𝗽𝗲𝗰𝗶𝗳𝗶𝗰: Define exactly what you want. Instead of saying, “I want to save money,” aim for something like, “I want to save $5,000 for a car down payment.” The clearer your goal, the easier it is to work toward it. 𝟮. 𝗠𝗮𝗸𝗲 𝗜𝘁 𝗠𝗲𝗮𝘀𝘂𝗿𝗮𝗯𝗹𝗲: Attach numbers to your goals—you need to track your progress! For example, “I will save $150 per month over the next 12 months.” 𝟯. 𝗦𝗲𝘁 𝗔𝗰𝗵𝗶𝗲𝘃𝗮𝗯𝗹𝗲 𝗚𝗼𝗮𝗹𝘀: Dream big, but be realistic. If your monthly income is $3,000, aiming to save $2,500 might not be feasible. Break larger goals into smaller, manageable steps. 𝟰. 𝗞𝗲𝗲𝗽 𝗜𝘁 𝗥𝗲𝗹𝗲𝘃𝗮𝗻𝘁: Your goals should align with your personal values and life priorities. Want to prioritize health? Saving for a gym membership or healthy meal plans might be a relevant goal. 𝟱.𝗧𝗶𝗺𝗲-𝗕𝗼𝘂𝗻𝗱: Give yourself a deadline. Goals like “I’ll save $10,000 in two years for a wedding” keep you accountable and motivated. 𝗪𝗵𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗚𝗼𝗮𝗹𝘀 𝗠𝗮𝘁𝘁𝗲𝗿: Without goals, it’s easy to lose track of where your money is going. Whether it’s building an emergency fund, saving for a dream vacation, or planning for retirement, having a clear target ensures every dollar has a purpose! https://lnkd.in/gd_sPRdC FinancialWellnessMonth #FinancialGoals #SmartGoals

Whether your goal is to save for your dream home, grow your investments, pay off debt, or plan a stress-free retirement, remember this—every big achievement begins with a single step. Taking that first step is the key to unlocking success. It might be creating your first budget, opening a retirement account, setting up an emergency fund, or investing your savings. No matter how small the action feels, the momentum you build will lead to lasting, meaningful changes over time. And you don’t have to do it alone! As a financial advisory firm, we’re here to provide personalized strategies that fit your life, dreams, and values. Together, we can create a financial plan that empowers you to prioritize what truly matters to you. 𝗛𝗲𝗿𝗲’𝘀 𝗵𝗼𝘄 𝘄𝗲 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽: - Clarify your financial goals and turn them into actionable steps - Make smart investment decisions to grow your wealth over time - Build a safety net through thoughtful planning and saving - Align your finances with your personal and professional aspirations The year ahead is full of opportunities, and there’s no better time to take charge of your financial future than right now. Don’t wait for the “perfect moment” because the perfect moment is today. Contact us to schedule a consultation and take the first step toward confidence and success. Let’s make 2025 the year you reach new heights in your financial journey! Big dreams are achieved one smart decision at a time—start now! https://lnkd.in/gDh_VXJA #NewYearGoals #FinancialPlanning #WealthManagement

The holiday season is about more than just exchanging presents—it’s a time to reflect on giving back, connecting with loved ones, and creating meaningful legacies. How can you align your wealth with your personal values this season? Our latest article explores smart strategies like charitable giving through Donor Advised Funds, gifting appreciated assets such as stocks, and providing financial support for loved ones. Not only can these approaches make your holiday giving more impactful, but they also potentially come with valuable tax benefits! Whether you're planning to support your favorite charities, help family members achieve their dreams, or build a lasting legacy, this article is your guide to giving with purpose and spreading joy for years to come. Read the full article here: https://lnkd.in/gcy4mDuT #CharitableGiving #LegacyPlanning #FinancialGifting #SeasonOfGiving #Philanthropy

New Year, New Financial Opportunities! The start of the year is the perfect time to get your finances on track. Whether you’re looking to save more, invest smarter, or plan for your future, our financial advisors are here to help. 𝗛𝗲𝗿𝗲’𝘀 𝘄𝗵𝘆 𝗡𝗢𝗪 𝗶𝘀 𝘁𝗵𝗲 𝘁𝗶𝗺𝗲 𝘁𝗼 𝘁𝗮𝗸𝗲 𝗮𝗰𝘁𝗶𝗼𝗻: 𝗦𝗲𝘁 𝗖𝗹𝗲𝗮𝗿 𝗚𝗼𝗮𝗹𝘀: Start the year with a solid plan for budgeting, saving, and investing. 𝗠𝗮𝘅𝗶𝗺𝗶𝘇𝗲 𝗢𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀: Make the most of tax season, retirement contributions, and investment options. 𝗥𝗲𝗱𝘂𝗰𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗦𝘁𝗿𝗲𝘀𝘀: Gain peace of mind with expert guidance tailored to your unique needs. Your finances don’t have to feel overwhelming. With the right advice, you can take control and create a plan that works for you. Book your free consultation today and kick off 2025 with confidence. Visit our website to get started. Your financial future starts now! https://lnkd.in/gDh_VXJA #FinancialGoals #WealthManagement #FinancialFreedom #FinancialPlanning

A new year brings fresh opportunities to prioritize your financial health and set goals for a stronger, more secure future. Financial Wellness Month is all about raising awareness of the importance of financial literacy and taking proactive steps to improve your financial well-being. 𝗪𝗵𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗪𝗲𝗹𝗹𝗻𝗲𝘀𝘀 𝗠𝗮𝘁𝘁𝗲𝗿𝘀: - Reduced stress and worry about money - More control over your financial goals - Greater peace of mind for your future 𝗪𝗵𝗮𝘁 𝘁𝗼 𝗘𝘅𝗽𝗲𝗰𝘁 𝗧𝗵𝗶𝘀 𝗠𝗼𝗻𝘁𝗵: As part of our Financial Wellness Series, we’ll be sharing posts all month long packed with practical tips, insights, and strategies to empower you on your financial journey. From fine-tuning your budget to planning for retirement and making smarter investment decisions, our series will provide actionable steps to support your financial confidence. 𝗣𝗲𝗿𝘀𝗼𝗻𝗮𝗹𝗶𝘇𝗲𝗱 𝗦𝘂𝗽𝗽𝗼𝗿𝘁: It’s important to remember everyone’s financial path is unique. If you’re looking for personalized advice to tackle your specific goals, don’t hesitate to reach out for one-on-one support. Here’s to making financial wellness a priority this year! Stay tuned throughout the month as we walk this path together. https://lnkd.in/ghAiXdm6 #FinancialWellness #FinancialWellnessMonth #FinancialPlanning

𝗛𝗲𝗿𝗲’𝘀 𝘁𝗼 𝗮 𝗣𝗿𝗼𝘀𝗽𝗲𝗿𝗼𝘂𝘀 𝟮𝟬𝟮𝟱! The new year has arrived, and with it, a fresh slate of possibilities. As you envision the resolutions you'd like to accomplish in 2025—It is also a perfect time to reflect, refocus, and set a clear path toward your financial aspirations. Resolutions rooted in financial well-being can lead to greater clarity, stability, and confidence for years to come. Whether it's growing your investments, creating a comprehensive financial plan, or saving for a long-term goal—we’re here to help you turn those intentions into actionable results. Here’s to setting big goals, taking bold steps, and making 2025 your best year yet! May this year bring you success, happiness, and everything you aspire to achieve. Let’s make it a year to remember! Happy New Year! #FinancialResolutions #HappyNewYear #NewYear