Bailey Wealth Advisors

🗳️ Our Vote Is Our Voice. Exercise Your Voice Today!

Your voice, your values, your future. Every vote is an opportunity to participate in shaping the communities we live in. Take time to stay informed, know your options, and make your voice heard.

📍 Make a plan to vote and check your local election deadlines and polling information.

One investment gained 270 percent in the first five months of 2026. Two months later, it gave back 67 percent. 😳

Why do smart people chase numbers like that? Psychologist Daniel Kahneman said it best: "Stories trump statistics." 🧠

A hot streak always comes with a story. The story is what sells. The math is what stings.

Riches to rags is an old pattern, and so is the reverse. When a return looks too good to be true, give the story the same scrutiny you'd give the number.

If a market headline has your attention, run it past us before it runs your portfolio. 💬

Want to make more informed investment decisions? Visit the website or email us at info@baileywealthadvisors, and one of our advisors will contact you.

It’s a startling figure that 57% of people 65 and older will need long-term care,* yet many don’t have a strategy to pay for it. Will you be ready when the time comes?

Long-term care insurance helps protect your assets while ensuring you get the care you deserve. Let’s discuss how to secure your future today.

📩 Contact a BWA advisor today at [email protected].



*Actuarial Analysis of Long-Term Services and Supports Reform Proposals, September 25, 2024.

https://www.baileywealthadvisors.com/resource-center/retirement/healthcare-costs-that-catch-retirees-off-guard

How many years before you are ready to be “retired?”

Its one of the most important numbers yet.

TIAA's 2026 longevity literacy research found that workers who expect a shorter retirement save less consistently than those who expect a longer one.

That makes sense, but it also means the people who assume their retirement will be short are the same ones who may be building portfolios with shorter time horizons.

Once someone has already reached 65, the numbers shift.

According to Social Security Administration data:

📌 A 65-year-old man has roughly a 24 percent chance of living past 90

📌 A 65-year-old woman's chances are higher, closer to 35 percent

📌 For a 65-year-old married couple, there is about a 50 percent chance that at least one spouse lives past 90

The practical implication is not "assume you will live to 100."

It’s that a retirement income strategy built around the “average lifespan” often assumes a person will die on schedule. Most people do not.

If retirement is on your horizon, the question to ask is, "What happens to my income strategy if I live to 95?" Start planning today, contact a BWA advisor today at [email protected]

As health care expenses continue to climb, faster than wages and inflation, many American families struggle to afford necessary medical care. But tools are available to help ease the financial burden. HSAs and FSAs might help your household.

Making Sense of HSAs and FSAs How HSAs and FSAs might help your household.

Healthcare inflation is outpacing regular inflation,* putting more pressure on retirement savings. Are you financially prepared?

A combination of annuities and long-term care insurance can play a crucial role in covering inflated costs. Let's craft a plan tailored to you. Contact me today to get started.



*Medical inflation: Drivers and patterns, February 2, 2023

Healthcare Costs in Retirement Without a solid approach, healthcare expenses may add up quickly and potentially alter your spending.

Tip of the Week

Trust & Will's 2026 Estate Planning Report found that 56 percent of adults don't have core documents in place, including:

📝 A will: who gets what, and who is in charge of making it happen

🏥 A healthcare directive (or living will): what you want if you cannot speak for yourself

✍️ Two powers of attorney, one for medical decisions and one for financial decisions, each naming a specific person

📄 A letter of instruction: the practical map to where accounts live, who your professionals are, and what your kids or pets need

The friction is that estate work forces a family to sit with mortality, name specific people for specific roles, and make decisions that feel too permanent to rush.

Without something in writing, though, families are left improvising during one of the most difficult moments of their lives.

Most say they fully intend to get to it, but too many put it off until it's too late.

Don't put it off. Talk to a financial professional who can help.