American Consumers are Feeling Financially Strong

A look back at the Black Friday consumer spending records might have caught some by surprise. The mainstream media continues to gripe about a“struggling” economy and the “death” of brick and mortar stores, and this does not paint an accurate picture for the American worker and consumer. Luckily, we have consumer behavior data to remind us that things are actually looking positive for our economy at the moment.

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Walter and Allie to Speak at The Gathering of Light!

The Gathering of Light Interspiritual Fellowship, located in Huntington Station, NY will be hosting an event they're calling Spiritual Toolsday on January 14th, 2020 at 7:30 pm. This event will feature a discussion led by Allison Vanaski and Walter Wisniewski during which they will teach that achieving financial stability is not just about money and accumulating wealth. It is spiritual! In their book, The Millionaire Within, they tell stories of how this happens. Join them live and learn techniques to create wealth and find your own "Millionaire Within."

We will be meeting at 7:30 pm
Gathering of Light Interspiritual Fellowship
Unity Center of Healing Light
203 East Pulaski Road
Huntington Station NY, 11746

Suggested Donation
~ $10.00 for Gathering of Light Members
~ $15.00 for Non Members

Please contact Reverend JoAnn at (631)455-3471 or This email address is being protected from spambots. You need JavaScript enabled to view it. for more information.

All are welcome!
See you there & Please Share!
Thank you!

Preparing Your Finances When You’re Expecting

Having a baby will change your life in significant ways, and this includes financially. Not only will you have increased costs for things like diapers and childcare, but you’ll also have new financial planning considerations, too.

In this five-part series, we’ll walk through these considerations and provide a roadmap to follow as you financially prepare to add a new bundle of joy to your family.

Today, we’ll begin by discussing one of the cornerstones of financial planning: your estate documents.

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grandfather and grandson

The Birth of a Grandchild: 529 plans and Trusts

Congratulations! The arrival of a grandchild is an exciting time. All of the soft snuggles, tiny shoes, first coos and crawls, AND you get to give them back to their parents after a nice happy visit. The arrival of the next generation is also a good time to plan for your (and their future). In this article, we will go over different ways to gift, save, and set aside for your grandchildren.

The first step will be deciding what type of financial assistance you would like to provide for your grandchildren.

Start by answering these questions:

  • Do you want to help save for their education?
  • Or would you prefer to set up a trust that they can access down the line?
  • How much would you like to give a year?
  • Will it exceed gift tax return limits?

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boy singing into microphone

The Lovely Language of Legal Tender

“What we have here is a failure to communicate.”

-From the movie, “Cool Hand Luke.”

In the movie “Cool Hand Luke, pre-salad dressing, philanthropist, Paul Newman played the character of a prisoner in a chain gang. Because he was sullen, unruly, and unable to change his ways, he was berated by the prison “Captain” for disobeying his orders. I love the above quote because it is worthy of expression from both a spiritual and financial perspective. Although money and spirituality may not appear to be closely associated with each other, they are inordinately glued to the choices many couples make when discussing important financial issues. Most couples in close relationships have not achieved the skills necessary to listen empathically; to the words one partner is saying and reading between the lines as to what is not being said. These small misperceptions can be an impediment to communicating more effectively.

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woman in skirt

Hemline Index

“The future’s uncertain but the end is always near.”

Jim Morrison, the Doors, “Roadhouse Blues”.

Many investors are losing valuable sleep listening to the misguided, canary-in-the-coal-mine commentators expounding on an imminent stock market crash due to a future recession (the “R” word). Paradoxically, if too many investors believe the same thing, as fate would have it, the “R” might just become a self-filling prophecy! On the other hand, the Wall Street axiom “a bull market climbs a wall of worry” may also suggest that too much negative investor sentiment may have the opposite effect and the market will continue to rise. It may make more sense to refrain from prognostications. The great investor Warren Buffett said, “Short-term market forecasts are poison and should be kept locked up in a safe place, away from children and also from grown-ups who behave in the market like children." -- 1992 Berkshire Hathaway Chairman's Letter.

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Information provided in this blog is for educational purposes only and is not intended to be, and you should not consider anything to be, investment, accounting, tax or legal advice. If you would like investment, accounting, tax or legal advice, you should consult with own financial advisors, accountants, or attorneys regarding your individual circumstances as needed. No advice may be rendered by Arcadia unless a client service agreement is in place. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.

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