Blog

How Rising Oil Prices From the Iran Conflict Could Affect Inflation and Your Retirement Plan

Bradley Warner, CFA, CFP^®, MBA

Thursday, March 5, 2026

Rising oil prices from the Iran conflict may increase gas prices but economists expect limited impact on the U.S. economy. Learn what this means for pre retirees and investors in Fresno and Clovis.

Rising mortgage rates are slowly breaking the housing lock in effect. Learn how rate changes may impact homeowners, home equity, and financial decisions for pre retirees in Fresno and Clovis.

Credit card debt has reached a record 1.28 trillion dollars. Learn what is driving balances higher and what Fresno and Clovis households can do now.

The 2025 news cycle moved fast, from tariffs and inflation to Fed policy and market swings. For pre retirees in Fresno and Clovis, this blog explains how headlines impact markets and why long term discipline still matters most.

Precious Metals and Portfolio Perspective

Bradley Warner, CFA, CFP^®, MBA

Wednesday, February 4, 2026

Precious metals can play a role in diversification, but recent volatility highlights why pre-retirees age 59 plus in Fresno and Clovis should align gold and silver decisions with long term planning rather than market hype.

Markets dipped early on tariff concerns before rebounding on economic data. Small-cap stocks showed unusual strength as investors turned attention to Q4 earnings and the Fed’s first meeting of 2026. Fresno market update for pre-retirees.

Warren Buffett’s decision to do nothing offers a lesson in patience. Learn how discipline, strategy, and long-term planning help pre-retirees navigate market volatility with guidance from Legacy Finance in Clovis.

Market uncertainty often creates volatility—but not always losses. Learn what the “wall of worry” means for today’s markets and how Legacy Finance in Clovis supports long-term financial planning across Fresno.

As the Federal Reserve lowers short-term rates, mortgage rates may not follow. Learn how the 10-year Treasury, inflation, and bond markets influence mortgage rates for Fresno and Clovis buyers.

Recent updates to 529 college savings plans may create new planning opportunities for families — especially if college costs come in lower than expected. Under current rules, unused 529 plan funds may now be transferred to a Roth IRA,...

Women in Business: The Impact, Challenges, and Growth of Female Entrepreneurs

Stacia Josephson, MA, FPQP®

Tuesday, December 23, 2025

Women-owned businesses are reshaping industries with innovation and leadership. Learn how female entrepreneurs—and women in financial roles here in Fresno and Clovis—are driving growth and redefining the future of business.

The IRS released new 2026 retirement contribution limits. Legacy Finance outlines key updates for Fresno and Clovis investors, including IRA, Roth IRA, 401(k), and SIMPLE plan changes.

Can you recommend top-rated financial advisors in Fresno? Finding the right financial advisor can be a game-changer for your financial future. In Fresno and Clovis, the demand for expert financial advice is growing. Many individuals...

Vanguard’s outlook suggests the 4% retirement withdrawal rule may not hold up. Legacy Finance explains what Fresno and Clovis retirees should consider for long-term income security.

Wall Street always has something to worry about. Legacy Finance helps Fresno and Clovis investors stay focused on their long-term strategy—even when markets feel uncertain.

AI valuations, inflation, and market headlines are creating new questions for Fresno and Clovis investors. Explore what today’s trends may mean for your long-term investing strategy.

A retirement strategy isn’t just a roadmap—it’s about getting where you want, when you want. Focus on your goals, not market noise. Legacy Finance helps Fresno and Clovis families stay on track.

Learn why investors speculate on future Fed rate cuts and what Powell’s cautious comments mean for financial decisions. Legacy Finance Fresno and Clovis highlight the value of patience amid shifting rate forecasts.

Honor National Veteran and Military Families Month with expert retirement planning tips. Learn how Legacy Finance in Clovis, CA helps veterans maximize benefits and transition confidently into civilian life.

Are we in a bubble? Oct 2025

Bradley Warner, CFA, CFP^®, MBA

Thursday, October 23, 2025

Legacy Finance discusses managing portfolio risk amid market volatility and AI-driven optimism, emphasizing cohesive, goal-based financial planning for clients in Fresno, Clovis, and beyond.

The Fed’s September 2025 rate cut may bring small changes to loans, mortgages, and credit cards. Learn what it means for Fresno borrowers now — and how future rate moves could create new opportunities.

As the government shutdown continues, Fresno residents are asking what it means for Social Security and public services. Learn what’s open, what’s delayed, and how Legacy Finance can help you stay informed.

The Hidden Cost of Caregiving

Bradley Warner, CFA, CFP®, MBA

Tuesday, August 26, 2025

The Hidden Cost of Caregiving: How 63 Million Americans Are Struggling Financially Caregiving is an act of love — but for millions of Americans, it also comes at a steep financial and emotional cost. According to a recent Yahoo Finance...

A major update to Social Security could increase benefits for millions—especially teachers, firefighters, and other public employees. Learn how the Social Security Fairness Act may impact your retirement and what steps to take next.

The first quarter of 2025 has reversed some of the fortunes we experienced in the stock market over the past couple of years, so let’s take a closer look at what’s happening. Market volatility is fairly normal, with 10% corrections...

Mastering Financial Wellness: 5 Essential Tips for Financial Literacy Month April is Financial Literacy Month, a perfect time to enhance your financial knowledge and take control of your financial future. In this blog post, we’ll...

Tax mitigation is often one of the top priorities for our clients when they meet with us. With ROTH options now available in more retirement plans, including SIMPLE IRAs starting this year, this topic has become a focal point of many...

A living trust is an estate planning tool that can help manage and distribute assets. While it offers several benefits, it also has drawbacks that should be considered. Benefits Avoids Probate: A living trust bypasses the probate...

If you dream of your financial legacy leaving a lasting impact on the world, there's a way you can make a difference. You can use your Required Minimum Distribution (RMD) to make charitable donations, a strategy that could benefit both...

“If you fail to plan, you are planning to fail” – Benjamin Franklin It is estimated that only about a third of Americans are prepared for retirement*. Even less have an actual plan in place that fit all the pieces together. As a...

The word "annuity" elicits a negative connotation for many people, but why? Social Security is structured as an annuity, and most Americans receive benefits through this system when they retire. The main concern we hear from clients...

When you created your investment strategy, your asset allocation should have reflected your goals, time horizon, and tolerance for risk. But over time, any of those three factors may have changed, and your portfolio may now need...

Celebrating 20 Years in Financial Services - How I Built Our Comprehensive Planning Practice This year I will celebrate my 20th year in the financial services industry. Much has changed over this period of time, and it is as important as...

With tax season in full swing, the government and IRS are yet again keeping small business owners on their toes with new updates. First, we will go over the new 2024 contribution limits for retirement plans and then we will look at...

Spring Clean Your Finances: 5 Steps to a Fresh Financial Start in March Spring is here, and along with clearing out our closets and scrubbing down our homes, it’s the perfect time to give our finances a thorough spring cleaning....

At Legacy Finance, we take pride in being able to help you make the right allocation decisions. Doing an in-service rollover can provide a significant benefit for our clients when included with a financial plan.

Financial Empowerment: 5 Questions You Should Ask Yourself Navigating the realm of personal finances requires insight into critical aspects that shape your financial future. We're dedicated to empowering individuals with the knowledge...

Most people view life insurance the same way they view homeowner’s or auto insurance. It is a necessary expense to protect against the unforeseen event, in this case someone passes away much earlier than expected. What most...

Here are 5 ways to show your love this February! Sprinkle some financial love this Valentine’s with these sweet moves!

The most important thing is to make sure you feel like you have the cashflow you need to do the things you want to do. So, let’s set some goals this year to build on last year’s progress and make this year the best year...