Fish and Associates

Our first quarter event for 2022 was a tour of the Hospitality HUB to coincide with our month-long blanket donation drive.  The Hospitality Hub has been working to end homelessness in Memphis since 2007. Their new Hub Campus, which will provide expanded services, a day plaza and a women’s shelter, will be opening July 2022 at 590 Washington Ave. This women’s shelter will be the region’s first barrier-free trauma-informed emergency shelter for women. The building fills a gap in services that’s been in our city for over 20 years. Right now, 37% of the homeless population are women, while only 6% of the shelter beds are for women. While on our tour, we learned that the HUB will provide various amenities such as a hair and nail salon. play room for the children, multiple outdoor areas for exercising and recreational purposes, along with a meditation room. We are excited to continue our advocacy of this impactful facility! #event Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Fish and Associates is not affiliated with Kestra IS or Kestra AS. Kestra IS and Kestra AS do not provide tax or legal advice. Investor Disclosures : https://lnkd.in/dtwvHfT

Here's a stunning fact: Over 29 million forgotten retirement accounts hold nearly 1.65 trillion dollars in the U.S. With frequent job changes, it’s easy for retirement accounts to get lost. Left unattended, they can even be turned over to the state as unclaimed property. Here’s how to find them: 1️⃣ Check with past employers. HR or plan administrators can provide account details. 2️⃣ Search online tools like the National Registry of Unclaimed Retirement Benefits or MissingMoney.com. 3️⃣ Use state or federal resources to track unclaimed funds. 👍 Good news: The SECURE Act 2.0 has directed the Department of Labor to create a comprehensive, searchable database to make locating lost retirement accounts easier than ever. This tool is expected soon. If you or anyone you know has questions about potential missing retirement accounts, please don’t hesitate to contact us. #RetirementStrategy #401k #FinancialWellness #SecureAct

💡For many, this is annual bonus payment season. What are your plans for this year’s bonus? Before you start considering your home improvement projects, vacations, or other splurges, any time you receive a lump sum of money, it’s worthwhile to think about the following: 👉 Step 1: Pay Off High-Interest Debt Tackle credit card balances first—knocking out high-interest debt can help you manage those costly payments. 👉 Step 2: Boost Your Emergency Fund If you haven’t already, set aside 3-6 months of expenses to help pay for unexpected events. 👉 Step 3: Grow Your Wealth Evaluate your strategy with tax-advantaged retirement accounts. A financial professional can offer some guidance if you have questions. 👉 Step 4: Balance Multiple Goals Not sure where to start? One idea to consider is splitting your windfall. For example: ▪️ 50% to debt repayment ▪️ 30% to savings ▪️ 20% to long-term investments ✨ Every dollar you manage intentionally today may improve the outlook for your financial future. Don’t waste these opportunities. #SmartMoney #WealthBuilding #DebtFree #FinancialGoals #MoneyManagement

Healthcare costs can be one of the most significant and often unexpected expenses in retirement. The decisions you make today about your health might have a lasting impact on your financial and physical well-being. February is National Wise Healthcare Consumer Month, so what can you do? Think of yourself as the CEO of your health: 🔍 Ask questions about recommended tests and procedures. 📋 Research providers to see if they align with your needs. 💬 Have an open dialogue about costs—knowledge is power when it comes to navigating care choices. Taking a proactive approach to healthcare isn't just about saving money—it's about looking to receive the best care possible. Small steps today can lead to better health and financial confidence tomorrow. #HealthCarePreparation #RetirementWellness #SmartChoices #FinancialHealth

🌟 Do you rely on Online Reviews? Not all can be trusted, according to a recent WSJ article. Research shows people correctly identify fake reviews only 50% of the time. As more decisions—both personal and professional—are influenced by online feedback, understanding how to spot red flags is increasingly important. According to the article: ✅ Red Flags to Watch For: ▪️Generic profile photos or usernames ▪️Excessive use of exclamation points ▪️Clusters of similar reviews posted in a short timeframe 🔎 What to Look For: ▪️Balanced feedback that includes specific, detailed experiences ▪️Reviews spread across multiple platforms to confirm the authenticity Sharing this as it might be helpful to all of us who rely on reviews in our purchasing decisions. #ConsumerAwareness #OnlineShopping #Reviews

Presidents' Day reminds us of the leaders who’ve shaped our nation with vision and purpose. It’s a good moment to appreciate the values of trust, responsibility, and stewardship—principles that resonate deeply in our work as financial professionals. Just as great leaders built a foundation for future generations, we’re here to help our clients build and protect their own legacies. Here’s to leadership that endures and the commitment to leave things better than we found them. As a reminder our office will be closed Monday, February 17th for Presidents Day and will reopen at 8:00 am Tuesday February 18th. #PresidentsDay #Leadership #PersonalFinance

February is a time when emotions take center stage—whether it's about love, connection, or reflection. It's also a reminder that emotions play a huge role in how we manage our money. Many people spend weeks doing research before buying a car or major appliance but make hasty, reactive financial decisions during market turbulence. Why? Because money isn’t just about numbers—it’s about psychology. The Takeaway: Building wealth isn’t about chasing every last return—it’s about staying the course, even when the road ahead is uncertain or slippery. A well-crafted strategy acts as your map, helping you navigate icy patches while keeping you aligned with your long-term goals. #WealthBuilding #MoneyPsychology #FinancialSuccess #InvestorMindset

💟 On Valentine’s Day, we celebrate the partnerships that enrich our lives. For us, it’s also a moment to be grateful for the trust our clients place in us and the relationships we’ve built that go far beyond the numbers. The same principles that make personal relationships strong—trust, shared goals, and mutual understanding—are the foundations of how we work with our clients. It’s an honor to be part of your journey and to help shape futures that reflect your goals and values. Wishing everyone a day filled with meaningful connections and a reminder of the importance of partnership in all areas of life. 🤝 #ValentinesDay #SpreadLove #CelebrateLove

🚨 Here’s a scary fact: Between 2015 and 2021, the IRS identified and stopped 29 million suspicious tax returns and prevented $22 billion in fraudulent refunds. Furthermore, in April 2024, a massive data breach at National Public Data exposed 2.9 billion records, including 272 million Social Security numbers, names, addresses, and other sensitive details. Know the warning signs: ▪️ Calls/emails claiming to be the IRS ▪️ Demands for gift card payments ▪️ Threats of arrest or legal action ▪️ Requests for immediate personal information 👉👉 Remember: The IRS first contacts you by mail, not by phone or email. Act quickly if you suspect tax return fraud: ▪️ Contact the IRS Identity Theft Hotline: 1-800-908-4490 ▪️ File Form 14039 (Identity Theft Affidavit) ▪️ Place a fraud alert with credit bureaus For more information on safeguarding your tax identity, consider visiting the IRS Tax Scams page at https://lnkd.in/gU-iPH6c, or explore resources like the FTC’s Consumer Protection updates. This article is for informational purposes only. In addition to the action items above, we would encourage you to consult your tax, legal, and accounting professionals if you believe you are a target. #TaxSeason #FraudPrevention #FinancialSecurity #IdentityProtection

During National Cancer Prevention Month, we all recognize the profound impact cancer has on our communities and the power we hold to make a difference. The statistics are sobering, yet they underscore the importance of our collective efforts: ▪️ In 2024, an estimated 2,001,140 new cancer cases and 611,720 cancer deaths were projected in the United States, according to a 2024 report in the National Library of Medicine. ▪️ Early detection significantly improves outcomes: localized breast cancers have a 99% 5-year survival rate, compared to 31% for metastasized cases, according to a 2024 report by the American Cancer Society. These numbers represent not just statistics but also families, friends, and neighbors—many of whom we serve in our practice. Check out these proactive steps: ▪️ Schedule regular check-ups and screenings ▪️ Support loved ones undergoing treatment ▪️ Contribute to cancer research and patient support organizations As financial professionals, we understand the importance of preparing for the future. This month, let's extend that foresight to our health and the well-being of our community. #CancerPrevention #HealthAwareness #Community #MakeADifference