Welcome to 2026!
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Happy New Year and welcome to 2026!
We hope you and your loved ones enjoyed a wonderful holiday season.
We are excited to see what the new year will bring.
The year 2025 was filled with many significant events, from ushering in
a new president, to a brief but alarming market correction. Overall, it
proved to be a great year for investors. Investors enjoyed strong
returns, and major indexes reached multiple new highs. The Fed’s
decision to lower interest rates in the latter half of the year, a continued
healthy and resilient economy, and strong corporate earnings fueled
positive investor sentiment.
We enter 2026 with a service goal of exceeding our clients’ expectations and providing them with first-
class service. We take pride in providing holistic service and our ability to fully understand and effectively
respond to our clients’ needs. We are thankful for the opportunity to work with them and want to
extend the same service to you this new year. Please take the time to review the 2026 Checklist and
call us if you’d like to take advantage of a complimentary financial check-up.
In 2026, our clients will continue to enjoy the following services:
• Client review meetings.
• Periodic economic updates.
• Tax reports to keep them updated on proactive tax-saving opportunities and changes.
• Regularly scheduled updates on timely and important topics.
• Consistent and meaningful articles on topics that directly affect investors.
• An exceptional client service experience.
Does your current financial professional offer these services to you?
The new year will bring changes to monetary policy, including changes in tax laws that could affect
your investment plan. Would you like us to take a second look at your financial situation?
Please call us at 252-451-0488 for a complimentary Starter Session™ today!
(252) 451-0488
www.StrategicFreedom.com
Anthony (Tony) Engrassia, ChFC, LUTCF, NSSA®
Certified Financial Fiduciary®
Looking Ahead to 2026
Financial planning encompasses many elements, but several areas will continue to be particularly
important in the year ahead:
• Interest Rates: Interest rate movements remain a critical factor for investors. The Federal Reserve’s
recent policy shifts toward rate reductions have influenced borrowing costs, bond yields, and equity
valuations. We will continue to monitor these developments closely and assess their impact on the
economy and markets.
• Inflation: Inflation remains resistant and while we are getting closer, it remains above the Fed’s long-
term 2% target. We’ll continue tracking inflation data in 2026 to evaluate its effect on consumer
spending, business growth, and portfolio performance.
• Stock Market Valuations: Valuations play an important role in shaping long-term returns. While
short-term market movements can be unpredictable, maintaining discipline and focusing on your risk
tolerance and investment horizon remains essential. Market volatility is a natural part of investing, and
our role is to help our clients stay focused on their long-term objectives rather than short-term
fluctuations.
• Our Clients’ Personal Situations: First and foremost, our clients’ personal situations are always
our highest priority. We are here to help them with any financial moves or concerns throughout the year.
We understand that each individual and household has different goals and needs. We will continue our
tradition of keeping our clients informed of any changes that we think may affect their personal situation.
As we begin 2026, we remain cautiously optimistic. A sound financial foundation built on
discipline, diversification, and proactive strategy is key to achieving lasting success.
Revisiting your plan regularly ensures it stays aligned with your goals and the changing
environment. Our mission remains to provide clarity, confidence, and continuous support on
our clients’ journeys toward long-term financial security.
The One Big Beautiful Bill Act (OBBBA),
signed into law in 2025, introduced new
potential tax strategies. As the year
progresses, we will try share any new rules
we believe may be beneficial to our clients.
Help us identify items that you would like addressed in the coming year!
After reviewing this list, please call our office to discuss any items you have checked off. This
will help us advise you in the most effective and proactive manner.
□ Do you anticipate changes to your investment goals?
□ Has your risk tolerance changed?
□ Have your 2026 income or savings needs changed?
□ Do you plan to retire or change jobs?
□ Will there be a change in your marital status?
□ Do you plan to move, refinance, or sell/transfer a major asset such
as a home or business?
□ Did you recently receive or anticipate receiving a gift or inheritance?
□ Will you have any changes in your income needs +/- (i.e., vacation,
assisted living needs, selling home, child/grandchild assistance)?
□ Do you expect any additional family members or dependents?
□ Do you anticipate any additional dependents such as an elderly
parent or other family member? Will they require assisted living?
□ Do you have a child/grandchild you will be assisting with their
educational cost needs through a 529 plan?
□ Do you anticipate any major transfer of wealth?
□ Do you plan on gifting to heirs or donating money to charity?
□ Do you need to adjust your estate plan?
□ Do you maximize your ability to use retirement plans?
□ Do you want to explore converting a traditional IRA to a Roth IRA?
□ Do you or a dependent family member have a severe illness?
□ Do you anticipate any life, financial, or employment (retiring)
changes that may require you to adjust your life and health
insurance policies?
□ Did you contribute to an IRA? If not, would you like to discuss
contributing to an IRA before April’s tax deadline?
□ Is there anything else we should know to help you plan for 2026?
As always, we are here for you! If you have any questions or concerns, please call our office and we
would be happy to assist you! We look forward to helping you pursue your financial goals in 2026!
Important Birthdays
50 Allows for catch-up contributions to
IRAs and qualified retirement plans
55 If you are retired, allows you to take
distributions from your 401(k) without the
10% penalty
59½ Allows you to take distributions
from an IRA, annuity, or other retirement plan
without penalty
60 Allows for start of widow/ widower
benefits from Social Security
61-63 New extra catch-up
contribution for retirement plans
62 Allows for starting early Social
Security benefits
65 Allows for enrollment in Medicare
and government drug plan
65+ New senior tax deduction
(subject to phase-outs)
66-67 Allows for full retirement
benefits from Social Security
70 Start date for enhanced Social
Security benefits if you deferred claiming
benefits previously
70½ Allowed to make a Qualified
Charitable Distribution directly from an IRA
73 Mandatory required minimum
distribution from retirement accounts must be
taken no later than April 1st of the year after
the year you turn 73
If you have an important birthday in
2026, please let us know!
Scan the QR Code to Schedule
Your Complimentary Starter Session™ Today!
Financial Planning and Advisory Services are offered through Prosperity Capital Advisors (“PCA”), an SEC registered investment advisor. Registration as an investment
advisor does not imply a certain level of skill of training. Wealth Management Strategies and PCA are separate, non-affiliated entities. PCA does not provide tax or legal
advice.
We are accepting new clients in 2026!
Do you feel your advisor is fully aware of your financial situation?
Yes No Not Sure
Are you satisfied with how your advisor is keeping you updated?
Yes No Not Sure
Has your advisor reviewed your tax forms to understand how to
coordinate your investments with your taxes?
Yes No Not Sure
Has your advisor discussed tax planning strategies that could help
you keep more of what you make?
Yes No Not Sure
Is your advisor updated and current on tax planning strategies?
Yes No Not Sure
Would you like a complimentary review of your financial situation?
Yes No Not Sure
If you answered No or Not Sure to any of these questions, we would like to offer
you a complimentary, Starter Session™ with one of our professionals at
absolutely no cost or obligation to you.
To schedule your complimentary Starter Session™, please call us at (252) 451-0488.