Centuria Financial Group's LTM E-Newsletter

David P. McCabe,

WMCP^®, ChFC^®, CLU^®

Financial Planner

david.mccabe@prudential.com

Nathaniel D. High, RICP^®

Financial Planner

nathaniel.high@prudential.com

Nicholas J. Over, CFP^®

Financial Planner

nicholas.over@prudential.com

Sara E. Martin

Operations Manager

sara.martin@prudential.com

Jennifer A. McCabe

Client Service Specialist

jennifer.mccabe@prudential.com

Centuria Financial Group

2333 Baltimore Blvd Suite B

Finksburg, MD 21048

Phone: 443-952-7232

September/October 2025

12 Obstacles to Investing Success

When it comes to investing for your future, the basics hold true. Here are some things to overcome or avoid as you sock away your hard-earned cash.

A 401(k) Plan: Paving the Road to Retirement

There's a lot to like about a 401(k) plan. Whether you already participate in your employer's plan or you're just now thinking about joining, reviewing the benefits as enrollment time approaches is a smart idea.

Is Life Insurance Optional?

Everyone hopes to live a long and healthy life. But the fact is, there are no guarantees. Would your family or business survive financially if you died suddenly or your company lost a key employee? Life insurance is designed to provide for families or businesses if the unexpected happens.

Investing in a Volatile Market

Investing in a volatile market requires careful strategy, discipline, and a long-term perspective. By understanding the causes of volatility, using effective risk management techniques, and avoiding common pitfalls, you can navigate turbulent markets and work toward achieving your financial goals.

Taxes and Marriage

Getting married usually triggers a multitude of changes to your life, but one change that you may not have considered is how marriage affects your taxes. For example, your tax filing status may change, most often from filing single to married filing jointly. When it comes to taxes and marriage, here are some things you should consider:

Preserving an Inheritance

A sudden inheritance can catch you off guard. One minute your life is status quo; the next minute, you have additional assets to plan for. While it may be tempting to spend your windfall, take a step back.

What is the Average Cost of a Wedding?

The average cost of an American wedding varies depending on the location, venue and number of guests. In 2024 the average wedding cost $33,000 according to a survey of couples married in 2024. This is projected to be $36,000 in 2025.

Understanding Capital Gains and Losses

How you manage the sale of your investments impacts your overall tax picture. And to get the most out of the current tax law, you'll need to understand capital gains and losses.

Risk And Volatility: Know the Difference

You may think of volatility and risk as interchangeable terms, but they're not. Picture volatility as a two-way thoroughfare. Just as a car on that road can go in either direction, the price of an investment can go up or down over time. That's volatility.

Keep Your Business Safe from Fraud

Sadly, fraudsters are continually looking for ways to make a quick buck at your company's expense, so make sure you're taking steps to protect your business from all types of threats.

Team up to Create a Financial Strategy for Your Business

As you know, managing a successful business requires that you focus on all things financial. That's because the bottom line dictates almost everything you can or can't do to move your business to the next level.

Don't Miss a Step

If you think of estate planning as something that is necessary for only the very wealthy, it might surprise you to learn differently. From keeping an updated will to having healthcare and legal powers of attorney, estate planning is so much more.

FAFSA: The Sooner the Better

If your child will attend college in the fall, now is the time to get started with the process of applying for financial aid. The FAFSA — Free Application for Federal Student Aid — becomes available on October 1.

Summer Jobs for Kids

Taking a summer job is a rite of passage for kids and an excellent way for them to learn financial responsibility while earning and spending their own money.

How Gen Z is Shaping Financial Markets

As the youngest generation to enter the financial markets, Generation Z (those born between 1997 and 2012) is making waves with their unique perspective on investing. Unlike their predecessors, Gen Z's approach to stocks is shaped by technology, social media, and a keen awareness of global issues.

Understanding Divorce Tax Missteps

Divorce is emotionally challenging and financially complex. One challenging aspect to navigate is the tax implications.

Safeguarding Your Wealth

Protecting your assets from potential creditors or lawsuits is important in our increasingly litigious society. An asset protection trust (APT) may help. Unlike many traditional trusts, APTs are specifically designed to shield assets from future liabilities.

Women and Wealth Transfer

Women over 60 now command a substantial portion of global wealth, and their decisions are reshaping how wealth is transferred and managed. According to The Wall Street Journal, these women often make different choices about their wealth, especially when they become the sole money managers.

Deciding to Sell a Family Business

Selling a family business can be an emotional and complex process. You've likely poured your heart, soul, and years of labor into building something special. Before jumping into the sale, keep these things in mind.

CONTACT US

Enter your Name, Email Address and a short message. We'll respond to you as soon as possible.

David P. McCabe, Nathaniel D. High, and Nicholas J. Over are Financial Planners with, and offer securities and investment advisory service through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.
LPLE and LPL Financial are not affiliated with Centuria Financial Group.
This newsletter is general educational information provided by a Prudential Financial Professional and is not intended to market or sell any specific products and services, but rather provide general information about the subject matter covered only.
Centuria Financial Group and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.