What’s Happening
At Partners in Financial Planning, we keep you informed on a variety of topics. Check out our Blog posts and team News featured below. If you missed any of our newsletters or monthly investment commentary, be sure to check out our Newsletters & White Papers page for the latest market news and articles to educate and inspire.
Federal Government Shutdown Concerns: A Guide for Federal Employees
If you’re a federal employee facing potential shutdown uncertainty, you’re likely feeling anxious about your financial stability. These situations can feel overwhelming, but there are concrete steps you can take to navigate this challenging time. Acknowledge Your Concerns First, know that your concerns are valid. The uncertainty of when paychecks will arrive and how long a shutdown might last creates real stress. You’re not overreacting by wanting to prepare and…
What the Fed’s October Rate Cut Means for Your Financial Planning
The Federal Reserve cut interest rates by a quarter percentage point in October 2025, lowering the federal funds rate to 3.75%–4.0%. While this marks the second cut this year, what does it really mean for your financial planning? Understanding the Decision The Federal Open Market Committee made this move primarily due to concerns about a slowing labor market and broader economic headwinds. They also reduced the interest rate paid on…
Year-End Tax Planning Strategies for High-Earning Healthcare Professionals
As another year draws to a close, healthcare professionals face a unique opportunity—and challenge—when it comes to tax planning. Between high marginal tax brackets, complex compensation structures, and multiple income streams from practice ownership, hospital employment, and consulting work, the tax landscape for physicians and other healthcare leaders can feel overwhelming. But with strategic year-end planning, you can significantly reduce your tax burden and strengthen your financial foundation as you…
Hurricane Season Aftermath: Protecting Your Financial Life from Natural Disasters
The Atlantic hurricane seasons of recent years have served as stark reminders of nature’s power and the vulnerability of our coastal communities. The 2024 season saw devastating storms including Hurricanes Beryl, Helene, and Milton—storms so impactful that their names have been permanently retired. With forecasters predicting another above-normal season for 2025, including 13 to 19 named storms and 3 to 5 major hurricanes, Southern retirees need more than just physical…
Back-to-School Season: Teaching Financial Literacy to Your College-Bound Kids
TL;DR: As your teenager heads to college, teaching them essential financial skills—budgeting, understanding credit, and making informed spending decisions—can prevent costly mistakes and set them up for lifelong financial success. As parents across the country prepare for back-to-school season, those sending children off to college face a unique challenge: ensuring their young adults possess the financial literacy skills necessary to navigate increased independence responsibly. At Partners in Financial Planning, we…
Medicare Open Enrollment 2025: What Charleston and Virginia Retirees Need to Know
TL;DR: Medicare Open Enrollment runs from October 15 to December 7, 2025, offering your annual opportunity to review and change your Medicare coverage. Understanding your options now can help you avoid costly mistakes and ensure optimal healthcare coverage for 2026. As autumn arrives in Charleston and Virginia, retirees across our communities face an important annual decision: Medicare Open Enrollment. This seven-week window presents both opportunity and complexity, as millions of…
Charitable Giving as a Family: Creating a Meaningful Summer Tradition
Charitable giving extends beyond donations, encompassing valuable lessons about financial stewardship that benefit multiple generations.