George Maroudas, CFP®

If you invested $10,000 in 2022 Super Bowl advertisers, this is how much you would have today: ▫️ FTX $0 ▫️ Carvana $920 ▫️ Vroom $1,750 ▫️ Coinbase $3,620 ▫️ DraftKings $7,450 ▫️ Rocket Mortgage $7,840 ▫️ Salesforce $8,190 ▫️ GM $8,460 ▫️ Meta $8,700

The top 10% now account for nearly half of all consumer spending

Disclaimer: The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. There is no guarantee that a diversified portfolio will enhance overall returns or outperform.

The Bottom Line Diversification isn’t just about owning lots of stuff. It’s about balance across: ✔️ Investment types ✔️ Account types ✔️ Liquidity levels Do it right, and your financial plan gets a lot more resilient.

3. Liquidity 💧 Not all assets are easy to access when you need cash. Cash = most liquid Real estate = not so much Balance liquid and illiquid assets so you can handle emergencies without disrupting long-term investments.

2. Asset Location 🗂️ It’s not just what you invest in—but where. Spreading investments across: • Taxable brokerage • Roth accounts • Traditional pre-tax IRAs/401(k)s …gives you more tax flexibility, before and during retirement.

3 Types of Diversification That Actually Matter... Everyone says “Be diversified.” But what does that really mean?👇

1. Investment Mix 📊 Don’t put all your eggs in one basket. Diversifying across different asset classes and types. Being too concentrated in one investment can significantly increase your overall risk.

The cost of sending our daughter to college could reach $𝟔𝟎𝟎,𝟎𝟎𝟎... And that’s to attend my alma mater, Michigan State. If you have kids (or plan to), don’t wait to start saving. Even small steps today can make a big difference later.

S&P 500's quickest recoveries to records following a decline of at least 15%

Disclaimer: Please consult your financial advisor regarding your specific situation. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

There's a long list of changes but these are some of the most notable for financial planning. If you have any questions don't hesitate to reach out.

What the “One Big Beautiful Bill” Means for Your Money👇