🌿 Welcome to A Smarter Way to Retirewith Tony Leonardi, CFP® from Fairfield County, Connecticut! On May 21, 2025, Tony shares a personal update—his sons’ travels, a garden rebuild after a flood, and spring in CT—before diving into Memorial Day’s 1868 origins and itsmeaning: honoring 1.1M fallen soldiers.

Then, explore the Moody’s May 16 downgrade of US bonds to Aa1, driven by a $37T debt (up 50% since 2019’s $4.4Tspending vs. 2024’s $6.75T) and $2T annual deficits.

Learn how this impacts retirees, the S&P 500’s 5.5% rise from 5,592.785 (April 30) to ~5,900 (May 21), and international stocks’ 14% 2025 gains.

Get a Memorial Day tip to review your diversified portfolio.

Visit LeonardiFamilyWealthcare.com for more, listenon Spotify and Apple Podcasts, watch on YouTube, or download the 2025 Retirement Reset Checklist.#MemorialDay #RetirementTips