Longbow Capital Partners

Markets may fluctuate—life doesn’t wait.

This quarter, we celebrated new jobs, new homes, and growing families with our clients—and those moments never get old.

It’s the “why” behind everything we do. Helping people move forward with confidence, no matter what the markets are doing.

That’s the real purpose behind financial planning: giving you the freedom to focus on what matters most.

❓ College vs. Retirement: Where should your extra money go?

Even when the ability to do both exists, the order matters.

🔍 Key considerations:
▪️ Consider retirement first: Compounding works best when funds are invested earlier. And, as you know, there are no loans for retirement.
▪️ Education has flexibility: Scholarships, grants, and student loans can fill gaps if needed.
▪️ Timing matters: The mix between retirement and education funding can shift as they near college age and/or retirement approaches.

💡 Pro Tip:
You may benefit from focusing on retirement needs first, then using surplus cash flow for education funding strategies.

Of course, you need to revisit this periodically to stay aligned with market conditions and family goals.

Smart preparation makes it possible to retire and support education in a way that fits your overall wealth strategy. We’re here to help.

❓ Why do most New Year’s resolutions fade before spring?

Nearly half of Americans set resolutions each year, yet most give up within four months.

The good news…
Small changes in how you set goals can dramatically improve your chances of success.

Here are 5 tips to help make goals stick in 2026:
1️⃣ Use SMART Goals: Specific, Measurable, Achievable, Relevant, and Time-bound
2️⃣ Write Them Down: Increases success rates by 42 percent
3️⃣ Share Them with Someone You Trust: Follow-through can jump to 95 percent
4️⃣ Keep It Simple: Focus on 2–3 priorities at a time
5️⃣ Celebrate Progress: Recognizing wins builds motivation

The same principles that make a personal financial strategy work apply to all areas of life: clear goals, steady progress, and accountability.

✨ Taking time this December to set your goals may be one of the best gifts you give yourself.

What’s one goal you want to pursue in 2026?

#2026

📈 Good news for your retirement savings in 2026!
The IRS has announced increased contribution limits for key retirement accounts, giving you more opportunity to save for your future. Here’s what’s changing for the 2026 tax year:
✨ 401(k), 403(b), and similar plans
• Standard employee contribution limit: $24,500 (up from $23,500)
• If you’re 50 or older, you can add an extra $8,000 in catch-up contributions
• If you’re age 60–63, you may be eligible for up to $11,250 in catch-up contributions if your plan allows
✨ Traditional and Roth IRAs
• Standard contribution limit: $7,500 (up from $7,000)
• If you’re 50 or older, you can contribute an additional $1,100 as a catch-up contribution
If you contribute monthly or are planning your 2026 savings strategy, now is the perfect time to review your contribution amounts and adjust your payroll deferrals so you make the most of these higher limits. Regular planning helps you stay on track with your long-term goals — especially early in the year.
We’re here to help you interpret these changes and fine-tune your plan to fit your goals. Reach out if you’d like to revisit your contribution strategy!