Social Security is at a crossroads. By 2035, the trust fund that supports millions of Americans could run dry, leaving payroll taxes to cover only 83% of promised benefits. Without action, recipients may face a painful 17% cut. The root issue? An aging population and a shrinking ratio of workers to retirees, now just 3-to-1 and set to decline further.

It’s time to rethink Social Security—ensuring it works not just for today’s retirees but for future generations too.

When thinking about the dissemination of wealth to ensure your family’s financial future, one can find few more powerful tools than trusts. They offer much more than a vehicle to save on taxes and are an effective way to keep your assets safe, retaining control over your wealth distribution and giving one’s family enduring peace of mind.

In this newsletter, we are going to guide you through what trusts are, how they work, and the distinct types available. Let’s find out why trust is so important for people who want to keep and manage their wealth well.

Americans are waiting longer to retire than we have seen in the past. This is due to a number of factors, such as increased costs of living requiring more savings, longer life expectancy meaning retirement lasts longer and requires more money, more flexible employment options leading to more “semi retirees” and many institutional factors like the rising age to access social security and the full slate of benefits along with it.

The US economy has been a paradox: strong toward the end of 2024 juxtaposed against an uncertain 2025. This year has borne witness to significant growth led by a strong customer base coupled with government assistance while the future is still somewhat hazy. So, let us take a look at how the US economy is really doing?

Time to pull out that old crystal ball and look hard at what might be in store for us in 2025. Pull up a cup of coffee-or maybe something a bit stronger-and let’s dig into some possible bull and bear scenarios that could mold the stock market in the next year.