Zeller Kern Wealth Advisors

Private job growth can come in significantly below expectations, as we saw in February 2025, with just 77,000 jobs added, according to ADP. This marked the slowest hiring pace in months and signaled potential economic cooling. Key points to consider: ?? Trade, transportation, and utilities sectors can experience losses amid tariff concerns ? Leisure and hospitality sectors often show resilience even during slowdowns ?? Wage growth trends provide important context for overall economic health Market indicators suggest employers may become hesitant amid policy uncertainty and consumer spending fluctuations. Monitoring both ADP and BLS reports may offer a valuable perspective on employment trends. #JobsReport #EconomicIndicators #MarketOutlook https://lnkd.in/gHVfeP2S

? Final Reminder: Medicare General Enrollment Ends March 31! The general enrollment period (GEP) is the chance of enrolling in Medicare if you missed doing so when you first became eligible (the initial enrollment period [IEP]). ?? What’s the difference between the IEP and the GEP? ?? Initial Enrollment Period (IEP): ??Who: New Medicare-eligible individuals (turning 65 or newly disabled) ??When: A seven-month window—three months before, the month of, and three months after your 65th birthday ??What: Enroll in Part A (hospital coverage) and/or Part B (outpatient care and other medical services), with the option to add Part C (Medicare Advantage) or Part D (Prescription Drugs) ?? General Enrollment Period (GEP): ??Who: Anyone who missed their IEP and doesn’t qualify for a special enrollment period ??When: January 1–March 31 each year ??What: Enroll in Part A and/or Part B only. You must wait for the next enrollment window to add Part C/Part D. ? Take Action Before March 31st: 1. Review Your Coverage Needs: Decide if you need Part A, Part B, or both 2. Enroll Today: Visit ssa.gov or call your local Social Security office 3. Plan Ahead: Mark your calendar for the next chance to add Part C or Part D We have some resources at our offices if you have questions about navigating Medicare. #Medicare #HealthcareCoverage #Retirement

?? A new Treasury report reveals a stark reality in home insurance: premiums in high-risk areas are averaging $2,321 - that's 82% higher than in lower-risk regions. With 84 billion-dollar disasters causing $609B in damages from 2018-2022, insurance costs are outpacing inflation by 8.7%. From California's wildfires to Florida's hurricanes, these events are reshaping insurance accessibility nationwide. The Southeast is seeing 20% more claims than average, while the Southwest faces nonrenewal rates 23.5% above the national average. Understanding your property's risk profile and insurance coverage has never been more crucial. If you own a home or are planning to buy one, now's the time to review your policy details, coverage limits, and potential vulnerabilities. These shifting patterns affect not just insurance costs but overall property ownership strategies. ?? #RealEstate #PropertyMarket #RiskManagement #HomeOwnership https://lnkd.in/grYVKADG

? Business Owners: The Federal Tax Deadline is March 17 Key Filing Requirements: S Corporations: ??File Form 1120-S to report income, deductions, and credits ??Distribute Schedule K-1s to shareholders Partnerships: ??File Form 1065 to report business income ??Distribute Schedule K-1s to partners Extension Option: ??File Form 7004 for a six-month extension ??If they extended, the new deadline would be September 15, 2025 ??Note: An extension only extends the filing deadline, not the payment due date With the March 17 deadline approaching, double-check all documentation for accuracy and completeness. If you anticipate any issues meeting the deadlines, consult with your tax, legal, or accounting professional and consider filing for an extension. #BusinessTaxes #TaxDeadline #PersonalFinance

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

Your business exit should feel seamless—not full of surprises. At Zeller Kern, we specialize in uncovering: ?? Blind Spots like tax inefficiencies, leadership gaps, and valuation risks. ?? Apply a time-tested exit planning process to streamline your exit or succession journey. ?? A reliable and accurate initial business valuation, along with an Exit Map analysis ?? Apply all of the metrics to track the value of your company. ?? Opportunities to maximize your wealth and secure your legacy. ?? Our holistic approach ensures your personal and business goals align for a successful exit. ?? Contact us today for a FREE 30-Minute Exit Blind Spot Review by clicking the “Book a Meeting” link on my profile. You can also complete an ExitMap by clicking the link. https://lnkd.in/gtuaiGxW (It takes 15 minutes). You deserve clarity and confidence every step of the way; this is the most critical business decision you will make. #BusinessExitPlanning?#HolisticPlanning?#Leadership?

Will Your Business Thrive After You Leave? Many businesses experience a slowdown after the founder leaves. Why? Leadership gaps. Here’s what strong succession planning can do: ? Ensure teams are ready to lead without disruption. ? Protect your company culture and operational strength. ? Position your business as a stable, attractive opportunity for buyers. At Zeller Kern, we help business owners create Succession Roadmaps that secure their businesses' future and value. Let’s ensure that what you’ve built continues to thrive. ?? Connect with us today to help secure your leadership strategy. You can complete our ExitMap questionnaire https://lnkd.in/gtuaiGxW .?It takes 15 minutes to complete.? Or, you can click “Book a Meeting” on my profile for a quick discussion. #Continuityplanning #Exitplanning #Businessleadership

??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