Building Your Wealth Bridge

In this episode of the “Building Your Wealth Bridge” podcast, Financial Advisors William E. Will, CFA, and Zachary B. Morgan, CFA, CFP®, review market performance during the second quarter of 2026 and discuss what investors may expect during the remainder of the year. The conversation explores the market’s recovery from first-quarter volatility, shifting leadership across asset classes, and the importance of maintaining a long-term, diversified investment strategy.

The team engages in a detailed discussion on the following topics:

• Q2 2026 Market Recap: A review of second-quarter and year-to-date performance across U.S. stocks, international markets, emerging markets, small-cap companies, and bonds.

• Expanding Market Leadership: Insights into the continued strength of small-cap and international investments, along with signs that market performance is broadening beyond the largest technology companies.

• Interest Rates & the Role of Bonds: A discussion of the current Treasury yield curve, how changing interest rates affect bond prices, and why higher starting yields may support future bond returns and portfolio stability.

• Preparing for Second-Half Uncertainty: Perspective on geopolitical risks, inflation, artificial intelligence investment, and the historical volatility associated with midterm election years. Along with why remaining invested and diversified continues to be important. 

As always, please send our team any questions or topics you’d like us to cover in the future. 

We hope this finds you well. 

Connect with us on LinkedIn: William Will, CFA : https://www.linkedin.com/in/william-will-cfa-5666811b3/ 

Zac Morgan, CFA, CFP: https://www.linkedin.com/in/zac-morgan-cfa-cfp%C2%AE-339745b1/ 

Registered Representatives offering securities through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory offered through AdvisorNet Wealth Partners. Cetera is under separate ownership from any other named entity. 9480 Enterprise Drive, Suite 1, Mokena, IL 60448-8321

In this episode of the “Building Your Wealth Bridge” podcast, George C. McCabe, CPA, Financial Advisor, is joined by Anita Stenner, founder of a Boutique Concierge and Personal support firm serving high-net-worth families and business owners across the United States and Canada. Together, they discuss the growing demand for personalized lifestyle and administrative support services—and how affluent families are increasingly looking for help beyond traditional financial, tax, and estate planning. 

The team engages in a detailed discussion on the following topics:

• The Rise of Concierge & Lifestyle Management Services: Anita shares how her firm evolved from administrative support for entrepreneurs into a full-service personal concierge model helping clients manage homes, vendors, travel, events, bill pay, and day-to-day life logistics.

• Time, Delegation & Decision Fatigue: A conversation around the common pain points facing business owners, executives, and retirees! Including lack of time, administrative overload, and the challenge of balancing personal responsibilities with professional demands.

• Building Trust & Customizing Support: The team discusses how concierge relationships are built gradually over time, why flexibility and personalization matter, and how services are tailored differently for each family’s unique needs and lifestyle.

• Coordinating the “Personal Side” of Wealth: George and Anita explore the growing trend of affluent families building coordinated teams of professionals—including financial advisors, attorneys, accountants, and concierge specialists—to create a more seamless and organized approach to managing wealth and everyday life.

As always, please send our team any questions or topics you’d like us to cover in the future.

We hope this finds you well.

 Visit Our Website: https://tcmccabe.com/ 

New Client Inquiries and Second Opinion Service: https://tcmccabe.com/new-client-inquiry/ 

Listen To Our Podcast On Spotify: https://open.spotify.com/show/4ty7pqo... 

Connect With Us On LinkedIn:

George McCabe, C.P.A, Financial Advisor:  https://www.linkedin.com/in/george-mccabe-cpa-861764142/

 Anita Stenner: https://www.linkedin.com/in/anitastenner/

In the latest episode of the “Building Your Wealth Bridge” podcast, George C. McCabe, CPA, Financial Advisor, delivers a solo discussion focused on one of the most common and often debated financial questions facing homeowners today: 

Should you pay off your mortgage early or invest those extra funds elsewhere?

Drawing from real client conversations, personal experience, and practical case studies, George walks through the key considerations that can go into this decision, emphasizing that this topic can be “more of an art than a science.” He highlights how variables like market performance, interest rates, taxes, and personal cash flow all can play a role in determining the right strategy.

Throughout the episode, George breaks down several important concepts and planning strategies, including:

• Interest Rate Comparison & Market Uncertainty: How today’s higher mortgage rates may impact the decision to either pay down debt or invest, and why predicting long-term market returns is never guaranteed.

• The Role of Taxes in Investment Returns: Why it can be critical to consider after-tax returns, especially in taxable accounts when comparing potential investment gains to your mortgage interest rate.

• How Mortgage Interest Actually Works: A look at amortization and why a large portion of interest is paid in the early years of a loan, giving insight into how and when extra payments can be most effective.

• Down Payments vs. Later Lump Sum Payments: A comparison showing that putting more money down upfront vs. making a large payment later can yield similar total interest outcomes due to how additional payments can reduce principal.

• Strategic Additional Payment Approaches: A breakdown of multiple strategies including lump sums, consistent monthly contributions, and hybrid approaches, and how each impacts total interest paid over the life of the loan.

• Timing can matters: Why making additional payments earlier in the loan term can significantly reduce total interest, helping “beat the bank” by cutting down the amount of interest paid upfront.

• Liquidity & Opportunity Cost Considerations: The trade-offs of tying up cash in home equity versus maintaining flexibility through investments, and how personal financial goals and comfort levels should guide the decision.

George ultimately emphasizes that there’s no one-size-fits-all answer. Instead, the “sweet spot” for many individuals may lie in a balanced approach combining some upfront payments with ongoing contributions while maintaining healthy cash flow and flexibility.

As always, please send our team any questions or topics you’d like us to cover in the future.

Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.

In this episode of the “Building Your Wealth Bridge” podcast, the team shifts to a quarterly market update, unpacking a volatile start to 2026 and the impact of recent geopolitical events on global markets. Financial Advisors William E. Will, CFA, and Zachary B. Morgan, CFA, CFP®, provide perspective on recent headlines, historical context, and what it means for long-term investors.

The team engages in a detailed discussion on the following topics:

• Q1 2026 Market Recap: A breakdown of asset class performance, including the divergence between U.S. and international markets, and how a late-quarter selloff reshaped what had been a strong start to the year.

• Geopolitical Shocks & Market Reactions: Insights into how events like oil shocks and global conflicts have historically impacted market, and why downturns are often short-lived despite heightened uncertainty.

• Staying Invested Through Volatility: A reminder of how frequently market pullbacks occur, why timing the market is difficult, and how a long-term, diversified approach helps investors navigate periods of stress.

• Long-Term Opportunities & Market Trends: A look at broader themes supporting future growth, including market broadening beyond mega-cap stocks, international momentum, AI investment, and evolving monetary policy.

As always, please send our team any questions or topics you’d like us to cover in the future.

We hope this finds you well.

Connect with us on LinkedIn: 
William Will, CFA : https://www.linkedin.com/in/william-will-cfa-5666811b3/

Zac Morgan, CFA, CFP: https://www.linkedin.com/in/zac-morgan-cfa-cfp%C2%AE-339745b1/

The views stated in this letter are not necessarily the opinion of Cetera Wealth Services, LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. Past performance does not guarantee future results.

Registered Representatives offering securities through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory offered through AdvisorNet Wealth Partners. Cetera is under separate ownership from any other named entity. 9480 Enterprise Drive, Suite 1, Mokena, IL 60448-8321

In this episode of the “Building Your Wealth Bridge” podcast, George C McCabe, C.P.A, welcomes Kate and Charlie for an in-depth discussion on McCabe’s new property & casualty insurance partnership and why personal risk management has become an increasingly important part of protecting family wealth.

George shares the origin story behind the partnership, explaining how growing client concerns around rising insurance costs, natural disasters, inadequate coverage, and evolving liability risks led the firm to explore this area more deeply. Kate then walks listeners through the behind-the-scenes process McCabe undertook to identify the right partner. One that is capable of serving clients across a broad range of wealth levels while delivering the high-touch service McCabe values.

The conversation also explores how Charlie and his team approach personal insurance planning, why independent brokerage matters, and how proper policy design can help families protect against the catastrophic risks that can threaten an otherwise strong financial plan. From umbrella coverage and trust titling to multi-state properties and emerging lifestyle risks, the episode highlights why personal insurance can no longer be treated as a “set it and forget it” decision.

The conversation includes a detailed discussion on the following topics:

• Why McCabe Added a Property & Casualty Resource: How client questions around rising premiums, natural disasters, broker responsiveness, and liability exposure led McCabe to seek a specialized insurance partner.

• The Partner Selection Process: Kate explains how McCabe evaluated whether to handle this work in-house, why outsourcing made more sense, and how a detailed RFP and interview process led to the selection of Charlie’s firm.

• Independent vs. Captive Insurance Models: A discussion of the differences between brokers who represent one carrier versus independent advisers who can evaluate multiple companies and advocate for the client in both pricing and claims situations.

• Why Insurance Needs Change as Wealth Grows: How increases in net worth can create new liability concerns, why many families may be underinsured, and why umbrella coverage often becomes more important over time.

• The Importance of Annual Reviews: Why insurance should evolve as life changes—whether that means buying a home, adding trusts or LLCs, relocating to another state, renovating a property, or taking on new risks like home businesses or short-term rentals.

• Today’s Personal Insurance Challenges: Charlie explains how inflation, severe weather, rebuilding costs, social inflation, and litigation trends have made personal insurance more nuanced and more important to review proactively.

As always, please send our team any questions or topics you’d like us to cover in a future episode.

We hope this finds you well.

George is a Registered Representative of and securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through AdvisorNet Wealth Partners, a Registered Investment Adviser. Cetera Wealth Services, LLC, AdvisorNet, and McCabe & Associates are not affiliated companies.

Cetera Wealth Services LLC, exclusively provides investment products and services through its representatives. Although Cetera does not  provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representative may offer these services through their independent outside business. This information is not intended as tax or legal advice. 

Kate Norris and Charlie Phillips are not affiliated or registered with Cetera Wealth Services, LLC. Any information provided by Kate and Charlie is in no way related to Cetera Wealth Services, LLC or its registered representatives.

In this episode of the “Building Your Wealth Bridge” podcast, Zachary B. Morgan, CFA, CFP, welcomes Scott Bosworth, Head of the Speakers Bureau at Dimensional Fund Advisors (DFA), for a behind-the-scenes look at Dimensional’s investment philosophy and history. Scott shares his nearly 30-year journey at Dimensional and explains why the firm has historically focused on working through professional advisors rather than direct-to-consumer marketing. 

The conversation also explores how Dimensional’s roots in academic research and evidence-based investing shaped its approach. An approach that differs from both traditional indexing and stock-picking active management.

The conversation includes a detailed discussion on the following topics:

• Who is Dimensional Fund Advisors? : Why do many clients see DFA on their statements but may not recognize the name, and how DFA’s advisor-focused model fits into a broader evolution toward holistic financial advice.

• Dimensional’s Origins & the Indexing Story: A discussion of early index investing work (including the Wells Fargo era), the “Tune Out the Noise” documentary, and how Dimensional’s approach evolved beyond traditional index replication.

• Indexing vs. Active vs. Dimensional’s Approach: How Scott frames the differences using a “prices, premiums, process” lens, and why Dimensional seeks to embrace market prices rather than ignore or disagree with them.

• Implementation Matters: Why index reconstitutions can create trading challenges, and how Dimensional’s flexible and patient trading approach aims to improve execution and reduce costs.

• The Role of Academic Research: Dimensional’s deep ties to University of Chicago finance research and how ongoing academic collaboration helps inform portfolio design and refinement.

As always, please send our team any questions or topics you’d like us to cover in a future episode.

We hope this finds you well.

Scott Bosworth is not affiliated or registered with Cetera Wealth Services, LLC. Any information provided by Scott Bosworth is in no way related to Cetera Wealth Services, LLC, or its registered representatives.

Zachary B. Morgan, CFA, CFP, 9480 Enterprise Drive, Suite 1
Mokena, IL 60448-8321, 708.479.7755. 

Securities offered through Cetera Wealth Service, LLC, member FINRA/SIPC. Advisory Services offered through AdvisorNet Wealth Partners, a registered investment adviser. Cetera is under separate ownership from any other named entity. Cetera Wealth Services, LLC, exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.

 In the latest episode of the “Building Your Wealth Bridge” podcast, George C. McCabe,
CPA, Financial Advisor, is joined by Tim McCabe (Founder of McCabe & Associates) and Karlee Garcia (Private Client Relationship Manager at Black Cloak) for a practical, real world look at modern cybersecurity planning—especially for retirees and families navigating changing devices, routines, and risk. 

Tim shares his firsthand onboarding
experience with Black Cloak, and Karlee breaks down the key defensive tools & strategies and ongoing support members receive, including:

• Privacy & Exposure Review: How Black Cloak helps identify where personal data is
circulating (data broker sites and dark web monitoring) and assists in reducing your
digital footprint to help cut down risk—and even spam calls.

• Home & Travel Security: A walkthrough of home Wi-Fi scanning for vulnerabilities,
device risk defense, and using tools like a VPN to stay more secure on public
networks (airports, hotels, and beyond).

• Everyday Threat Prevention Tools: Simple safeguards for modern habits, including
QR code scanning to detect malicious links and guidance on spam call blockers and
device settings.

• Action Items + White-Glove Concierge Support: Key defensive moves like freezing
credit and ChexSystems, setting up an IRS Identity PIN, using password managers,
and upgrading MFA beyond text messages—plus 24/7 concierge help for incidents, suspicious messages, and proactive monitoring.

As always, please send our team any questions or topics you’d like us to cover in the future.

We hope this finds you well.

Karlee Garcia and Black Cloak are not affiliated or registered with Cetera Wealth Services,
LLC. Any information provided by Karlee Garcia and Black cloak is in no way related to
Cetera Wealth Services, LLC or its registered representatives. George and Tim McCabe are
registered Representatives of Cetera Wealth Services LLC, Member FINRA/SIPC. The
opinions contained in this material are those of the presenters, and not a recommendation
or solicitation to buy or sell investment products. 

This information is from sources believed
to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete. Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Advisornet Wealth Partners, a registered investment advisor. Cetera is under separate ownership from any other named entity. 9480 ENTERPRISE DR STE 1 MOKENA, IL 60448 708-479-7755

In the latest episode of the “Building Your Wealth Bridge” podcast, Ryan C. Gandurski, Financial Advisor, has a discussion with Lauren Bigham-Steele from Boomer Benefits.  Boomer Benefits is a firm that has been in business for over 20 years supporting clients across the country who are navigating the world of Medicare. The firm’s client service team offers assistance with all avenues of Medicare including going over different plan options, enrollment, claims and ensuring that clients are given accurate and resourceful information.

Lauren explains how the Boomer Benefits team is able to provide a personalized experience for every client to ensure that his or her unique situation is carefully considered.

Ryan and Lauren also dive into the differences between Medicare, Medigap and Medicaid plans.  They discuss what each plan is and some of the different services that are covered and not covered under each plan.

As always, please send our team any questions or topics you’d like us to cover in the future.  

We hope this finds you well

In the latest episode of the “Building Your Wealth Bridge” podcast, George C. McCabe, CPA, Financial Advisor, sits down with Jonathan Tink, a loan officer at an independent mortgage bank, Compass Mortgage.  Jonathan explains the role of independent mortgage banks and joins George in a discussion on the following topics:

· Factors loan officers look at to determine loan amounts, interest rates and what type of loan may be best suited for an investor

· First-time home buyers

· Different strategies to consider when purchasing a home including down payment percentage, mortgage insurance and monthly mortgage payments

George and Jonathan also discuss how debt can be viewed differently from person to person and how this may impact one’s approach to paying off a home.

As always, please send our team any questions or topics you’d like us to cover in the future.  

We hope this finds you well.

In episode 10 of the “Building Your Wealth Bridge” podcast, George C. McCabe, CPA, Financial Advisor, sits down with Tim Sanders, the owner and proprietor of Silent Donor. Silent Donor is an anonymous and user-friendly donation platform geared towards individuals who are interested in donating to charity in an anonymous way that maintains their privacy. Tim analyzed common grievances and privacy concerns shared amongst non-anonymous donors and realized the assistance that an anonymous donation platform could offer to all sorts of donors. The company was launched in 2019 and has since been able to help thousands of individuals, families and corporations send millions of dollars to charities around the world.

As always, please send our team any questions or topics you’d like us to cover in the future.

 We hope this finds you well.