Rogelio Gonzalez's LTM E-Newsletter

Rogelio Gonzalez, CRPC^®, CSRIC™

Financial Advisor, Prudential Advisors

Pacific Northwest Financial Group

1700 SE Mile Hill Drive, Suite 264

Port Orchard, WA 98366

Phone: 360-919-4271

Email: rogelio.gonzalez@prudential.com

Website: www.prudential.com/advisor/rogelio-gonzalez

July/August 2025

Dollar-Cost Averaging

Trying to predict the market isn't usually a recipe for success. In contrast, a slow and steady investing approach may help you use market fluctuations to your advantage as you invest for long-term financial goals. Dollar-cost averaging* can play a part in this approach.

Develop Healthy Spending Habits

Developing and maintaining healthy spending habits seems easy in theory, but prove harder in practice. From the time we earn that first paycheck to receipt of our first retirement check, financial goals change, but smart spending habits hold true. Consider practicing these habits through the times of your life:

Leaving the Nest

When young adults leave the nest, they will confront a number of financial challenges for the first time in their lives, but there are some things they can do to ensure a successful experience.

Prepare for Almost Anything

Even the most prepared people can't predict when an expensive surprise will come their way or how much it will cost. You can, however, prepare financially for the unexpected by creating an emergency fund to help meet surprise expenses.

Too Good to be True

As college debt soars, so do the number of scams trying to separate you from your money. The Federal Trade Commission (FTC) reports a sharp uptick in scam complaints since late 2024 when payments resumed after pandemic pauses and Biden's forgiveness plan causing confusion. If you have student loans it pays to beware.

Mid-Year Investment Checkup

You see a doctor for a health checkup and a mechanic to keep your vehicle in top shape. Likewise, it is important to work with a financial professional to conduct a review of your investment strategy, making sure it evolves as your life changes.

Make a Roth IRA Conversion

If you're nearing or in retirement and concerned about paying too much in taxes, you may want to convert a portion or all of your taxable retirement plan assets to a tax-free Roth IRA*. Here's how it works.

Retirement Readiness Checkup

Are you saving enough for retirement? It's easy to underestimate your retirement expenses, since you can't know everything the future will bring. But there are ways to more accurately gauge your financial needs, especially if you're just a few years from retirement.

Paid Leave Options

Do you know which benefits your employees value? Employees often list health insurance and a retirement plan among their most desired benefits, but paid time off is also important in today's pressurized work environment.

Combining Business and Personal Travel

If you run your own company and travel for business, you may be tempted to combine work with pleasure. That's okay, as long as you don't trip up on tax rules. Your tax professional can advise you as to what you can or cannot do.

Protecting Women's Financial Contribution

Women continue to comprise a bigger part of the workforce, usually while maintaining traditional roles at home. Both roles prove women create significant economic input. Because of their economic contributions at home and away, women may need life insurance.

Five Truths About Life Insurance

According to LIMRA, the pandemic raised awareness about the important role life insurance plays. However, some of us still have excuses to either not own life insurance or not own enough. Here's to setting the record straight:

What Investment Styles Suit You?

At your mid-year investment review with your trusted professional, consider the investment styles that best suit your personality and goals. Assessing your preferences for each style below can help you determine which styles best suit your personality and comfort level.

Inherited IRAs: What You Need to Know

Have you inherited or expect to inherit an IRA in the future? If so, here are some key questions and answers regarding inherited IRAs in 2025.

GRATs: A Handy Wealth-Transfer Tool

A grantor-retained annuity trust (GRAT) is an estate strategy that may minimize tax on large financial gifts to family members and help your estate avoid using much, if any, of your lifetime gift and estate tax exclusion.

Net Unrealized Appreciation and Your 401(k)

If your 401(k) plan account contains employer stock, the tax law's net unrealized appreciation (NUA) provision may allow you to take advantage of potentially lower tax rates on the growth or unrealized appreciation of the stock.

A Family Affair

The urge to make a difference often extends beyond personal success into a desire to impact the world positively. One effective way to channel this desire is through a family foundation. This approach supports causes that resonate with you and establishes a charitable legacy for future generations.

Net Investment Income Tax and Who Pays It

The net investment income tax (NIIT) affects individuals, estates, and trusts with significant investment income. In its first year (2013), about three million taxpayers were subject to the additional 3.8% net investment income tax (NIIT) in 2013. Since then, the number of affected taxpayers have more than doubled, underscoring the growing relevance of this tax.

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Securities and investment advisory services offered through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.
"Prudential Advisors" is a brand name for the propriety retail sales channgel of The Prudential Insurance Company of America ("PICA") and its insurance company and other affiliates (collectively "Prudential"). Prudential Advisors financial professionals are licensed insurance agents of Prudential.
Pursuant to a strategic relationship among Prudential, LPLE, and LPL Financial, Prudential Advisors financial professionals provide securities brokerage services and/or investment advice on securities solely as registered persons of LPLE, an affiliate of LPL Financial. These financial professionals are permitted to brand under "Prudential Advisors".
LPLE and LPL Financial are not affiliated with Prudential or Pacific Northwest Financial Group.
Prudential, Prudential Advisors, and the Pacific Northwest Financial Group are not registered as a broker-dealer or investment advisor.
Pacific Northwest Financial Group and LTM Marketing Solutions, LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Solutions, LLC, an unrelated third party. Articles are not written or produced by the named representative.

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