April Refuge Refresh - Congratulations, you survived Tax Season!
(You can access the actual email with formatting and images HERE).
Hi Refuge friends,
Hope you’re doing well as we wrap up tax season! I don’t know about you, but for me this time of year can feel like a whirlwind—gathering documents, crunching numbers, and maybe even facing a few surprises. Whether it brought some relief or a few headaches, it’s a good reminder of how important it is to stay financially organized throughout the year—not just in April. Little by little, those intentional steps really do add up. Setting calendar reminders for key deadlines, keeping important documents in one easy-to-find spot, and reviewing your budget every few months can make a big difference.
I hope you have a wonderful Easter weekend. As always, feel free to reach out if there’s anything I can do to help or if you just want to talk through a question you’ve been thinking about.
-Tim
SMILE
They say money talks,
but mine just says, “Goodbye!” 😂
LEARN
Current Events
TARIFFS! First the U.S. was imposing them on basically everyone. Now they’ve paused most of them. The news has had quite the impact on the stock market and a majority of U.S. retirement portfolios, forcing many Americans to endure quite the stomach-churning rollercoaster ride. While trying to stay away from the politics of it as much as possible (or at least remain balanced haha), here are a few sources you can look into if want to understand the topic more:
Tariffs—Everything you need to know but were afraid to ask (Economic Policy Institute)
Separating Tariff Facts from Tariff Fictions (CATO Institute)
Love it or hate it, you can’t dismiss this Republican’s defense of tariffs (The Washington Post)
Great Resource!
I love passing along great resources that I find. Lifehappens.org is a GREAT website for all questions you might have regarding life insurance.
Their intro page says this:
“As a nonprofit, we’re here to give unbiased information that can help more people get protected with life insurance. We don’t sell anything, and we don’t endorse any particular insurance products. Our mission is to educate you toget the coverage you need.”
You should really check it out—there’s so much there!
Myths vs. Facts
Myth
“Social Security will be enough to take care of me during retirement.”
Fact
Social Security typically replaces only 40% of pre-retirement income, so it’s important to have additional retirement savings.
(source: ssa.gov)
PONDER
“You miss 100% of the shots you don’t take.”
— Wayne Gretzky
Disclaimer: All information provided is for educational purposes only and does not constitute investment, legal or tax advice, an offer to buy or sell any security, insurance product or any other financial product.
For Medicare: Currently, we represent 12 organizations which offer 90 products in the Southern Colorado area. You can always contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program for help with plan choices.
Read our full disclosures HERE.
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