FORM Wealth Advisors

Embark on the ultimate springtime river cruise! You’ll sail through the Netherlands and Belgium on the Tulip Serenade River Cruise, April 13–20, 2026, aboard the luxurious Amadeus Riva. Trip Highlights: ? Amsterdam – Canal cruise & countryside ? Arnhem – WWII history & Open Air Museum ? Middelburg – Walking tour or bike adventure ? Ghent – Medieval fortresses & Bruges ? Antwerp – Cathedral of Our Lady & city life ? Rotterdam – Famous windmills & flowers This bucket-list adventure is our latest Travel Club trip. You’ll experience effortless travel and connect with like-minded explorers. Spots are limited—don’t wait! Interested? Comment CRUISE to get a copy of the full trip itinerary!

Here we grow again! Brayden Zettle has completed the requirements to become a CERTIFIED FINANCIAL PLANNER? professional?? This achievement wasn’t easy—it required extensive coursework, an exam, and 6,000 hours of hands-on experience. We're so proud of Brayden for reaching this milestone and are excited to see him continue to grow in his new role as Wealth Advisor! Please join us in congratulating Brayden on this well-deserved achievement.

Thank you to our clients and their guests who joined us for candle-making at Candle Mercantile today! We enjoyed sharing this fun experience with you in honor of International Women’s Day.

Who will inherit your wealth? It may not be who you think. Many assume their will controls everything. It doesn’t. Your beneficiary designations override your will. That means if your ex-spouse is still listed on your 401(k), they could inherit it—even if you remarried years ago. A simple oversight can derail your entire estate and/or financial plan. Take a few minutes today to check your accounts. Here's what you should be paying attention to: ? ?????? ???????? ?????????????????????????? ??????????????? Life changes—marriage, divorce, new children or grandchildren. Your designations should reflect your wishes. ? ???????? ?????? ???????????? ???????????????????? ??????????????????????????? If your primary beneficiary is unable to inherit, a contingent ensures your assets go where you intended. ? ?????? ???????? ???????????????? ?????????????? ???????? ???????? ???????????? ????????? Your attorney and financial advisor should be on the same page. A quick review can help prevent unnecessary complications.

Kicked off my milestone birthday with a brutal but energizing workout today with my personal trainer, Cassandra. In 50 minutes: 50 squats 50 jump squats 5 minutes treadmill 50 back lunges 50 jump backs 5 minutes rowing 50 side lunges 50 mountain climbers 5 minutes elliptical 50 step ups 5 minutes jump rope 500+ calories burned, 150 max heart rate. This is 50! When I turn 60, I need to find a different personal trainer.

Well, we made it through another February in Wisconsin with sub-zero temperatures, wind chill factors, school closings, and snow. It's why we love this state, right? ?? Here’s a quick update from our CEO, Tyson Ray, In February, we rebalanced the portfolio—kind of like trimming a tree to help it grow stronger. We made some adjustments and set aside reserves to keep things healthy for the months ahead. Why did we do it? → Because elections are behind us → Because the administration's in office → Because things are starting to settle down → Because we're entering into a new normal Think of it like this: If you never clean out your closet, it gets messy, and you end up holding onto things you don’t need. The same thing can happen with money and investments. A little rebalancing now—whether in your finances or life—can be the difference between growth and regret. As we move through 2025, take a moment to think: What else in your life could use a rebalancing?? Is there a risk you should cut back on?

Join us on our next FORM Travel Club adventure as we set sail with Amadeus River Cruises to explore the Netherlands & Belgium! Set sail April 13–20, 2026 to experience: ? tulip season in full bloom ? visit the Keukenhof Gardens ? enjoy unforgettable excursions ? cruise through historic Dutch & Belgian cities Link to full itinerary & details in the comments ↓ P.S. Here's more about ????????????????????????????: FORM Travel Club was created to offer carefully curated travel experiences that let you explore the world’s top destinations, while our dedicated Travel Advisor takes care of every detail. Our mission is to help you live your best life—and one way we do that is by making travel effortless, unforgettable, and rich with opportunities to connect with others along the journey.

This week, FMA proudly welcomed its newest sponsor, FORM Wealth Advisors! A huge thank you to Kim Cochenour, Adam Kierzek, and Brayden Zettle for sharing their insights and delivering an engaging presentation on wealth management. We’re excited about this partnership and look forward to the opportunities it will bring for our members! Huge thanks to our speakers and attendees for making this event a success! Additionally, make sure to follow UWW Financial Management Association for club updates, and please reach out if you're interested in guest speaking!

Happy Valentine's Day! Thank you to all you lovely ladies who joined us at our annual Valentine's Day luncheon ?? We enjoyed sharing a meal and fun stories with you around the table today.