Q2 2025 Thrive Newsletter
Finding Opportunity in Uncertain Times
Scam Alert! The Tricks Are Getting Smarter—But So Are You
Control the Controllables: Finding Power in What You Can Do
Finding Opportunity in Uncertain Times
How Smart Moves Today Can Benefit Your Retirement Tomorrow
When the markets are volatile or the headlines feel heavy, it’s easy to focus on the downside. But these moments often create some of the best planning opportunities—especially for those who stay proactive.
Here are three powerful ways we can turn short-term uncertainty into long-term advantage:
1. Roth Conversions While Markets Are Down
When the value of your IRA is lower, a Roth conversion becomes more efficient. You pay taxes on the reduced value, and then any future recovery happens inside your Roth—completely tax-free.
Example: Converting $80,000 now instead of $100,000 later can save you thousands in taxes, while still positioning that money for growth.
2. Tax-Loss Harvesting in Taxable Accounts
Market dips can be a great time to strategically realize losses. These losses can offset gains elsewhere, reduce your tax bill, or carry forward to future years. It’s one of the few times the IRS gives you credit for having a rough year in the markets.
3. Earning More on Your Safe Money
One silver lining of higher interest rates? Your cash and conservative investments can finally work a little harder.
High-yield savings accounts, CDs, and short-term treasuries are offering significantly improved rates—helping your money grow without stock market risk.
Stay Proactive, Not Reactive
It’s natural to feel uneasy during uncertain times, but this is often exactly when smart planning pays off the most. We stay proactive in assessing opportunities that benefit you.
Scam Alert! The Tricks Are Getting Smarter—But So Are You
What to watch out for (and how to stay one step ahead)
Scams aren’t just shady phone calls and sketchy emails anymore—they’ve evolved. These days, scammers are clever, convincing, and really good at pretending to be someone they’re not (your bank, a delivery service, even your family).
But don’t worry—staying safe doesn’t mean being paranoid. It just means staying sharp. Here are some of the most common scams floating around and how to spot them before they get you:
1. The “Hi Mom/Dad” Text Scam
You get a text from an unknown number: “Hi Mom, I lost my phone—this is my new number. Can you send me some money?”
Red flag: It pulls at your emotions fast.
Stay safe: Call the original number or ask a question only your real kid would know.
2. Phony Package Delivery Notices
“Your package couldn’t be delivered—click here to reschedule.”
Red flag: You weren’t expecting a package, or the message has weird grammar.
Stay safe: Don’t click links. Check directly with the delivery company or retailer.
3. Tech Support Pop-Ups
A pop-up on your computer says your system is infected. It tells you to call a number or click to fix it.
Red flag: Real tech companies never do this.
Stay safe: Close the window. If you’re unsure, call your trusted tech help—not the number on the pop-up.
4. “You Owe the IRS/Police” Calls
You get a call saying you owe money to the IRS or there's a warrant out for your arrest (yikes).
Red flag: They demand payment immediately via gift cards, wire transfers, or crypto.
Stay safe: Government agencies never operate this way. Hang up. Breathe. It’s a scam.
5. Romance & “Too Good to Be True” Scams
Whether it’s a new online flame or an unbelievable investment opportunity, if someone you barely know asks for money—pause.
Red flag: It feels rushed, secretive, or a little off.
Stay safe: Talk to a friend or someone you trust. Scammers prey on isolation.
Quick Tips to Outsmart a Scammer:
✅ Never give out personal info over phone/email/text unless you initiated the contact.
✅ Be skeptical of urgency—it’s a tactic to bypass your judgment.
✅ Trust your gut. If something feels off, it probably is.
✅ When in doubt, ask a friend or professional before acting.
Scammers are clever—but so are you. Awareness is your best protection. Share this with friends or family (especially those who might be more vulnerable), and let’s all stay one step ahead.
Stay smart, stay safe—and if something feels fishy, it probably is.
Control the Controllables: Finding Power in What You Can Do
In moments of uncertainty—when life feels a little unpredictable or overwhelming—it’s easy to focus on everything that’s out of our hands. But one of the most empowering mindsets you can adopt is this: Control what you can, release what you can’t.
Whether it’s in business, relationships, or your personal journey, the truth is simple—there will always be variables outside your control. But by intentionally focusing on the things within your reach, you not only regain your footing—you also set the stage for resilience, progress, and peace of mind.
Here’s how you can start:
1. Own Your Actions and Decisions
You might not be able to change what’s happening around you, but you always get to choose how you respond. Your reactions, your choices, your attitude—those belong to you. Want to move forward? Start by taking responsibility for your next step.
✨ Try this: Think of a situation where you feel stuck or overwhelmed. Ask yourself, “What’s one thing I can take ownership of right now?” Start there.
2. Choose Your Mindset
Your mindset is your internal compass—it shapes how you see challenges and what you do next. When things feel heavy, a shift in perspective can be the light you need. Lean into growth, look for silver linings, and give yourself grace. Optimism isn’t ignoring reality—it’s choosing to believe in your ability to handle it.
✨ Try this: Each day, write down one thing you’re grateful for or something you’ve learned. It’s a small shift that creates big emotional impact.
3. Strengthen Your Habits
In the midst of unpredictability, habits create stability. The small, consistent actions you take—whether it’s your morning routine, a daily walk, or time carved out for reflection—are your anchors. They build momentum, structure, and confidence.
✨ Try this: Choose one positive habit to nurture this week. Start small, be consistent, and let it compound.
4. Shape Your Environment
While you can’t change the entire world, you can design a space that supports your well-being. This includes your physical surroundings, your digital space, and the people you spend time with. Intentional environments = more energy, focus, and peace.
✨ Try this: Look around and ask, “What’s one thing I can change to make this space more energizing?” It could be as simple as a decluttered desk or a boundary with notifications.
Final Thought:
When things feel out of control, coming back to what’s in your hands is grounding, empowering, and deeply human. You don’t have to fix everything—just start with what’s yours to shape.