Ryan Financial Group

11/04/2026

What would happen to your finances if you couldn't work? This calculator shows how long your savings might last if a disability affected your income.

11/04/2026

Talking with your parents about their wishes as they get older isn’t always easy. ❤️

You may worry about making them uncomfortable, or they may not feel ready to discuss it. But understanding what matters to them can make a difference if your family ever faces difficult decisions.

💬 The conversation doesn’t have to cover everything at once. You might start with a couple of simple questions:
▪️“Have you thought about what you’d want if you ever needed help making decisions?”
▪️“Do you have important documents somewhere we could find them if needed?”

Over time, those conversations may cover medical preferences and documents like a will or power of attorney.

And if your parents aren’t ready to talk? That’s okay. Respecting their comfort and independence is part of the conversation, too.

This isn’t about taking over. It’s about listening, so their wishes are understood if they’re ever needed.



Source:

End-of-life planning can be difficult to discuss, but the right approach can make the conversation easier.

11/02/2026

Military service asks something of the whole family, not just the person in uniform. Deployments, moves, missed milestones, and more, military families carry it all.

This November Military Family Month, we're taking a moment to recognize the spouses, kids, and parents who serve in their own way, every single day.

To every family with someone who serves, thank you.

10/30/2026

🛠️ The richest person in your town probably isn't a tech founder or someone in finance. It's more likely the dentist running four offices, or the owner of the HVAC company whose trucks are everywhere.

New research from economists Owen Zidar and Eric Zwick, based on IRS and Treasury data, found nearly 5 million U.S. households worth at least $5 million, holding combined wealth more than 13 times that of the Forbes 400.

A few patterns stood out:
➡️Most started their business themselves rather than inheriting it
➡️Most run ordinary, brick-and-mortar businesses rather than tech or finance
➡️Independence mattered more to them early on than getting rich ever did

🌭 Case in point: Dick Portillo started a hot dog stand in 1963 with just $1,100. Decades later, he sold the business he'd built for $1 billion.

Building wealth often looks much more ordinary and attainable than the headlines suggest. If growing or eventually stepping back from a business is part of your picture, that's worth talking through together.


Source:

Getting rich in the U.S. is still possible, but the most common path to wealth doesn't involve working for other people, according to a new book.

10/28/2026

Three important questions to consider before you start taking.

When to start? Should I continue to work? How can I maximize my benefit?

10/28/2026

📌 Higher rates sting borrowers, but they can be a real win for savers.

As rates rise, banks may increase the yields they offer on savings products to attract deposits. The average U.S. savings account still pays just 0.64% annual percentage yield. Some high-yield accounts are paying more than six times that, up to 4.2%, for the exact same deposit.

🔎 Certificates of deposit, or CDs, can offer even higher rates, but the tradeoff is access: your money is locked in for a set term, and pulling it out early usually costs a penalty.

Higher yields don’t erase the effects of inflation, and they won’t necessarily transform household finances. But if your savings account is still earning close to that 0.64% average, that gap alone might be worth a second look.


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The Federal Reserve recently raised interest rates for the first time since 2023.

10/26/2026

🗞️ Treasury made an unusually large move to calm a shaky corner of the bond market.

On September 10, the Treasury bought back up to $6 billion in 10- and 20-year notes, up from its typical $2 billion operation. Despite the move, yields kept climbing: the 10-year note reached 4.841%, the 20-year hit 5.314%, and the 30-year climbed to 5.307%, levels not seen since before the 2008 financial crisis.

🛢️ The pressure isn't coming from one place. Government debt has grown, tariffs and geopolitical tension have kept inflation concerns alive, and oil prices have climbed back above $100 a barrel.

Higher Treasury yields don't stay contained to the bond market. They tend to show up in mortgage rates 🏠, auto loans, and credit cards, which is why moves like this are worth watching even if bonds aren't something you follow day to day.


Source:

The much-anticipated announcement triples the normal buyback operation and follows an announcement from Treasury Secretary Scott Bessent.

10/23/2026

Read the latest issue of Financial Watch here:

You can do everything right online and still end up on a spreadsheet you never agreed to be part of. In this month's Financial Watch, learn how to respond…

10/21/2026

Your insurance needs don’t stay the same when the nest empties, but what changes?

10/21/2026

Making Lemonade from Lemons