Every parent wants to give their children the best possible start in life — not just emotionally, but financially. The earlier you plan and act, the more opportunity your children have to grow up with financial confidence, freedom, and security. The key is to combine smart investing, tax-efficient savings, and intentional teaching moments that build long-term habits.

For much of the past two years, interest rates have been high — giving savers something they haven’t seen in a long time: meaningful yield on cash, CDs, and bonds. But that era is likely coming to an end. Over the next year, interest rates are expected to move lower as inflation stabilizes, economic growth moderates, and the Federal Reserve looks to support a softer landing.

Artificial Intelligence (AI) is everywhere—streamlining tasks, automating processes, and reshaping industries. Headlines often sound alarming: “AI Could Replace Millions of Jobs” or “Your Career Is at Risk from AI.” But what does this mean for your financial future and retirement planning? Let’s break it down.