MannAdvisoryServices 

Thing One Three Financial Resolutions That Would Be a Smart Move for 2026 As you’re working on maintaining those resolutions you made on New Year’s day, here are three financial resolutions you might considering adding.  We believe they would serve most people well in 2026. First, resolve to get clearer on your cash flow. Before returns, before markets, before strategy—cash flow matters. Knowing where money is coming in, where it’s going, and what flexibility you have creates

Thing One   Don’t Let the Court Write Your Final Plan   Picture this: After a lifetime of hard work, you’ve built meaningful assets and settled into a comfortable retirement—then you pass away unexpectedly, without a will. It’s not something most people want to contemplate, and for you, there would be nothing left to contemplate. For those you leave behind, however, there would be much to consider, including the hardships that would ensue as a result of your not having a will

Yahoo FInance had a couple of good articles last week that we thought we'd share a synopsis of in this week's newsletter as they echo sentiments we have often expressed. See both below:      Thing One   What a Comparison of $500,000 vs. $1 Million Reveals About Retirement   The first article titled “I Asked ChatGPT To Compare Retiring With $500K vs. $1 Million — The Difference Is Huge,” explored how dramatically retirement outcomes can change based on the size of one’s nest

Thing One   How Lower Reinsurance Prices Could Put Money Back in Drivers’ Pockets   After several years of rising premiums, the auto insurance market may be approaching a turning point. One of the most important forces behind the recent wave of rate increases — reinsurance costs — is beginning to ease, and that shift could set off a new phase of competition among car insurers, including selective rate reductions aimed at gaining market share.   Reinsurance is essentially insu

Thing One Plain Talk From A Politician On Inflation   The following is a transcript from a town hall where conservative Canadian politician, Pierre Poilievre, was asked a question about inflation.  In answering it, he explained the concept in a way that can be easily understood by anyone.  See below:   Questioner (off-camera):  What are the steps I need to take in fixing the damages done by inflation?   Pierre Poilievre:  “First and foremost, stop the overspending. Inflation,

Thing One    Where the S&P 500 Could Go Next — And What That Means for Your Money Every year, Wall Street rolls out its forecasts for where the S&P 500 is headed. And every year, we’re reminded of the same truth: nobody actually knows. That’s said, there are credible arguments for strong upside, little to no upside, and  meaningful downside between now and the end of next year. Still, it’s helpful to understand the range of possibilities investors are talking about. On the op

Thing One What The Last Three Major Market Crashes Teach Us About Long-Term Investing Market history is full of declines, but only a few reach true “crash” status — deep, prolonged drawdowns that shake investor confidence and reset entire economic cycles. The last three such events all delivered peak-to-trough losses of 34% to 57% , each triggered by a different spark, each with a different recovery timeline, and each ultimately rewarding investors who stayed the course. Here

Thing One The 2025-26 HSA Update (And What It Means For You)   If you haven’t reviewed your health-savings strategy in a while, now’s a good time. Two major changes are coming up for Health Savings Accounts (HSAs): higher contribution limits and broader eligibility thanks to changes in how Bronze-level health plans qualify. What’s an HSA and Why Is It So Good? An HSA (Health Savings Account) is one of the most tax-efficient tools you can use. It lets you set aside money befor

Thing One   Using AI Tools To Predict Long-Term Care Needs I recently read an interesting piece on Kiplinger.com about Waterlily, an AI-powered platform that predicts long-term care (LTC) needs and helps you figure out how to pay for them. What struck me most is how fast the whole process works. You answer a short three-minute questionnaire about your health, medications, and family history — and within seconds, Waterlily generates a personalized long-term care report.   The

Thing One The 5 Biggest Investment Regrets Retirees   Retirement is the time when financial decisions made years earlier come into sharper focus. Many retirees look back and wish they’d done things differently. Here are five of the most mentioned regrets from a recent article on Marketwatch.com .   1. Not saving enough - early and consistently According to a MarketWatch survey, nearly 60 % of retirees said they regretted not saving more for retirement. Another version found 7