GeaSphere LLC

Here's a stunning fact: Over 29 million forgotten retirement accounts hold nearly 1.65 trillion dollars in the U.S. With frequent job changes, it’s easy for retirement accounts to get lost. Left unattended, they can even be turned over to the state as unclaimed property. Here’s how to find them: 1?? Check with past employers. HR or plan administrators can provide account details. 2?? Search online tools like the National Registry of Unclaimed Retirement Benefits or MissingMoney.com. 3?? Use state or federal resources to track unclaimed funds. ?? Good news: The SECURE Act 2.0 has directed the Department of Labor to create a comprehensive, searchable database to make locating lost retirement accounts easier than ever. This tool is expected soon. If you or anyone you know has questions about potential missing retirement accounts, please don’t hesitate to contact us. #RetirementStrategy #401k #FinancialWellness #SecureAct

When Should You Claim Social Security? Let's Map Your Strategy https://lnkd.in/e-HFXR6j

?? In a significant shift in global trade dynamics, the United States has emerged as Germany's largest trading partner in 2024, with total trade volume reaching 252.8 billion euros. This marks the first time since 2015 that China has been displaced from the top position. The data shows German exports to the U.S. grew by 2.2%, while trade with China experienced a 3.1% decline. This realignment comes at a crucial time as Germany navigates economic challenges and evolving international trade relationships. ?? Germany's trade surplus with the U.S. expanded to 70 billion euros, highlighting the strength of transatlantic economic ties. #GlobalTrade #InternationalBusiness #EconomicTrends #TradeRelations #GermanEconomy https://lnkd.in/gvx_mKqw

??? Single-family homebuilding saw an 8.4% decline in January 2025, influenced by severe weather conditions and ongoing market challenges. These numbers reflect a complex interplay of factors affecting the housing sector. ?? While housing shortages continue to support construction demand, the industry faces multiple headwinds. The combination of elevated mortgage rates hovering near 7% and increasing material costs presents ongoing challenges for both builders and potential buyers. Looking ahead, building permit data suggests steady underlying demand, though builders are focusing on completing existing projects rather than starting new ones. #HousingMarket #Construction #RealEstateNews #EconomicIndicators #BuildingTrends https://lnkd.in/eU_ZHxnK

??For many, this is annual bonus payment season. What are your plans for this year’s bonus? Before you start considering your home improvement projects, vacations, or other splurges, any time you receive a lump sum of money, it’s worthwhile to think about the following: ?? Step 1: Pay Off High-Interest Debt Tackle credit card balances first—knocking out high-interest debt can help you manage those costly payments. ?? Step 2: Boost Your Emergency Fund If you haven’t already, set aside 3-6 months of expenses to help pay for unexpected events. ?? Step 3: Grow Your Wealth Evaluate your strategy with tax-advantaged retirement accounts. A financial professional can offer some guidance if you have questions. ?? Step 4: Balance Multiple Goals Not sure where to start? One idea to consider is splitting your windfall. For example: ?? 50% to debt repayment ?? 30% to savings ?? 20% to long-term investments ? Every dollar you manage intentionally today may improve the outlook for your financial future. Don’t waste these opportunities. #SmartMoney #WealthBuilding #DebtFree #FinancialGoals #MoneyManagement

Healthcare costs can be one of the most significant and often unexpected expenses in retirement. The decisions you make today about your health might have a lasting impact on your financial and physical well-being. February is National Wise Healthcare Consumer Month, so what can you do? Think of yourself as the CEO of your health: ?? Ask questions about recommended tests and procedures. ?? Research providers to see if they align with your needs. ?? Have an open dialogue about costs—knowledge is power when it comes to navigating care choices. Taking a proactive approach to healthcare isn't just about saving money—it's about looking to receive the best care possible. Small steps today can lead to better health and financial confidence tomorrow. #HealthCarePreparation #RetirementWellness #SmartChoices #FinancialHealth

?? Do you rely on Online Reviews? Not all can be trusted, according to a recent WSJ article. Research shows people correctly identify fake reviews only 50% of the time. As more decisions—both personal and professional—are influenced by online feedback, understanding how to spot red flags is increasingly important. According to the article: ? Red Flags to Watch For: ??Generic profile photos or usernames ??Excessive use of exclamation points ??Clusters of similar reviews posted in a short timeframe ?? What to Look For: ??Balanced feedback that includes specific, detailed experiences ??Reviews spread across multiple platforms to confirm the authenticity Sharing this as it might be helpful to all of us who rely on reviews in our purchasing decisions. #ConsumerAwareness #OnlineShopping #Reviews

Presidents' Day reminds us of the leaders who’ve shaped our nation with vision and purpose. It’s a good moment to appreciate the values of trust, responsibility, and stewardship—principles that resonate deeply in our work as financial professionals. Just as great leaders built a foundation for future generations, we’re here to help our clients build and protect their own legacies. Here’s to leadership that endures and the commitment to leave things better than we found them. #PresidentsDay #Leadership #PersonalFinance

February is a time when emotions take center stage—whether it's about love, connection, or reflection. It's also a reminder that emotions play a huge role in how we manage our money. Many people spend weeks doing research before buying a car or major appliance but make hasty, reactive financial decisions during market turbulence. Why? Because money isn’t just about numbers—it’s about psychology. The Takeaway: Building wealth isn’t about chasing every last return—it’s about staying the course, even when the road ahead is uncertain or slippery. A well-crafted strategy acts as your map, helping you navigate icy patches while keeping you aligned with your long-term goals. #WealthBuilding #MoneyPsychology #FinancialSuccess #InvestorMindset

?? On Valentine’s Day, we celebrate the partnerships that enrich our lives. For us, it’s also a moment to be grateful for the trust our clients place in us and the relationships we’ve built that go far beyond the numbers. The same principles that make personal relationships strong—trust, shared goals, and mutual understanding—are the foundations of how we work with our clients. It’s an honor to be part of your journey and to help shape futures that reflect your goals and values. Wishing everyone a day filled with meaningful connections and a reminder of the importance of partnership in all areas of life. ?? #ValentinesDay #SpreadLove #CelebrateLove