Cereus Financial Advisors LLC

During this season of giving, be sure you are making informed choices when donating to charities. Steer clear of unsolicited phone requests, and amplify your charitable impact with strategic giving. Learn how and why your end-of-year donations can make a significant difference: https://lnkd.in/e9aiTuZn #charitablegiving #financialadvisor

???????? ?????? ???????? ?????????? ???? ????????????????! Fraud and identity theft are on the rise, but you can protect yourself with just a few simple steps: ??. ?????????? ?????????? ???????????? ?????? ???????????? ??????????????: Setting up a fraud alert or credit freeze with credit bureaus can prevent unauthorized access to your credit report. ??. ??????’?? ?????????? ???? ???????????????????? ?????????? ???? ?????????????? ???? ???????????????????? ??????????: Always verify the source of unsolicited messages by contacting institutions directly through official websites. ??. ?????????????? ???????? ?????????????????? ???????????????? ?????? ???????????? ??????????????: Regularly reviewing your credit reports and setting up alerts can help you catch suspicious activity early. ??. ?????? ???????????? ?????????????????? ?????? ???????????? ?????????????????????? ????????????????????????????: Securing accounts with unique passwords and activating multifactor authentication can add an extra layer of protection. ??. ???????? ?????????????? ?????? ???????????????? ???????????????? ??????????????: Ensuring your devices and security software are always up to date can guard against cyber threats. ??. ?????????? ?????????????? ???? ???????????????? ??????????????????????: Avoid giving out your Social Security number or birth date unless absolutely necessary. Be cautious about what personal info you share online. Don't wait for a scam to catch you off guard! Learn how to freeze your credit, spot phishing scams, and safeguard your personal info in my latest blog post about how to stay safe online! https://lnkd.in/eA4KMMAs #financialadvisor #identitytheft

???????? ???????????? ?????? ?????? ???????????? ??.?? ???????? ?????????????? ?????? ?????????? ???????????? ???????????????? ?????????????? ?????????????????????????? (????????) If you’re planning for retirement, these updates are worth noting: ?? ???? ??????’???? ????: You won’t need to take RMDs until 2025. But beware—those who wait until early next year might need to take two withdrawals in 2025, which could impact your tax bracket. Consider taking one now in 2024 to avoid this. ?? ?????? ???????? ???????????????? ???? ??????(??)??: Starting in 2024, there’s no longer an RMD requirement for Roth 401(k)s or 403(b)s. That means if you’ve been rolling funds into Roth IRAs to avoid RMDs, you now have more flexibility to let your money grow tax-free! Staying on top of these changes can help you manage your tax obligations more effectively. Contact us for help determining the best strategy for your retirement plans! cereusfinancial.com #RetirementPlanning #RMD #TaxPlanning #SECUREAct #RothIRA #FinancialPlanning #RetirementGoals

Planning for college may seem overwhelming, but there's no need to stress. With ?????????????? ?????????? ??????????, you can easily anticipate your financial aid awards at numerous colleges and universities based on your family's circumstances, financial situation, and your student's academic accomplishments. We'll assist you in selecting an affordable school and devising a four-year payment plan. ?????????????? ?????????? ?????????? simplifies the process of choosing the right college for your student and helps you develop a feasible financial plan. To find out more, access our FREE e-book and arrange a complimentary consultation today by visiting https://lnkd.in/etSsj2wb.

This season of giving, make each donation count! Philanthropy can offer considerable tax benefits, and it’s important to understand the best ways to give. Thoughtful, year-end charitable giving can amplify your impact, help you avoid scams, and make a real difference. Learn how strategic donations can benefit you and the causes you care about most: https://lnkd.in/e9aiTuZn #charitablegiving #financialadvisor

?????????????? ?????????? ?????????? ?????? ????????! Our College Money Match program guides parents through college financial decisions from choosing a school to maximize aid, to writing appeal letters that could increase merit scholarships. We help families maximize financial aid and minimize college debt. College Money Match is a comprehensive program that helps families with a junior or senior in HS who want to maximize needs-based and merit-based financial aid by choosing the right college and creating an affordable plan to pay for it. ???????????? ?????????? ???????? ???????? ???????????? ?????? ?????? ??????????????. Learn more: https://lnkd.in/ev7--Nsu #collegemoneymatch #financialaid #cereusfinancialadvisors

Planning for college may seem overwhelming, but it doesn't have to be. With College Money Match, you can alleviate the stress by predicting financial aid awards at numerous colleges and universities based on your family's situation, financial status, and your student's academic accomplishments. We will assist you in selecting an affordable school and devising a four-year payment plan. Allow College Money Match to aid your student in choosing the ideal college while helping you develop a financially feasible strategy to cover the expenses. To learn more, simply download our free e-book and arrange a complimentary consultation today by visiting https://lnkd.in/etSsj2wb. #college #financialaid #fafsa

???????? ???????? ?????????? ???????????????? ???????? ???? ???????????? ?????????? ?????? ?????????????????? ???????????????????????? ??????? The Corporate Transparency Act (CTA) is now in effect, requiring most small businesses to report Beneficial Ownership Information (BOI) to FinCEN. ?????????????? ?????? ?????? ???? ??????, ?????? ?? ???????????? ????????????????, ???? ???????? ?????????????? ???????????????? ????????????, ?????? ?????? ?????? ?????????? ???? ??????. Don’t assume you're exempt! Reporting deadlines are approaching, and penalties for non-compliance are steep—???? ???? $????,?????? ???? ?????????? ???? ?????? ?????????? ???? ????????????. Stay informed about what you need to do. Learn more about how the CTA impacts your business in our latest blog: https://lnkd.in/eiXx59w8 #corporatetransparencyact #cta #financialadvisor #smallbusinesses #smallbusinessowners

?? ?????????????????????? ?????????????????? ?????????? ???????? ?????????????????? ?? As you celebrate Halloween today it’s an excellent opportunity to reflect on your financial strategies and ensure that your financial future is secure. Here are some common financial concerns you may want to address: ?????????????? ??????????????: Are your savings dwindling? Establishing a robust savings plan is essential to achieve your financial goals. ?????????????????? ????????: Is debt a persistent concern? Let’s create a strategic plan to manage and reduce your debt effectively. ?????????????? ??????????????????????: Are your investments causing you confusion? We can help clarify your portfolio and align it with your long-term objectives. ???????????????????? ??????????????????: Are you adequately prepared for retirement? It’s never too early to start planning for a comfortable and secure retirement. Let us help you develop a clear roadmap for your financial future. At Cereus Financial, we are committed to guiding you through your financial journey with expertise and care! cereusfinancial.com Happy Halloween! #Halloween #FinancialPlanning #AddressYourConcerns #FinancialAdvisor #SecureYourFuture

???? ?????????? ?????? ???????? ????????'?? ?????????????????? ???????????????? ??????????, ????'?? ???????? ???? ?????????? ???? ???????? ?????????????????? ???????? ???????? ?? ?????????????????? ???????????????? ??????????????! As a financial planner, I have an extensive "toolbox" and I use those tools to help clients improve their lives and solve particular problems and issues. Dive into my blog post, "?????? ?????????????????? ???????????????? ??????????????" to learn about these tools and how they're used! From building emergency funds to mastering tax strategies, this comprehensive guide provides the essential tools to overcome some of life's financial challenges. Click here to learn how these tools can help you with your financial planning: tinyurl.com/mpwrfm2t #FinancialPlanning #MoneyManagement #SmartInvesting #financialplanningmonth