September is National Preparedness Month, a reminder that some of the most important planning happens long before it's ever needed.
When most people think about risk management, they think about insurance. While insurance certainly plays an important role, true preparedness goes much further. It's about asking a simple questions
What we're watching
If life didn't go according to plan tomorrow, would you and your family know what to do?
Preparedness isn't about expecting the worst. It's about creating peace of mind by thinking through the details before they become urgent. Could you quickly access important financial information if needed? Have you documented the contents of your home for insurance purposes? Do family members know who to call when a problem arises? Are critical records stored securely and accessible if your phone, computer, or home were suddenly unavailable?
The families who navigate unexpected challenges most successfully are rarely the ones who avoid adversity altogether. More often, they're the ones who took a few thoughtful steps in advance to prepare for it.
This month, we're sharing practical ideas to help strengthen your family's readiness, protect what matters most, and reduce stress during life's unexpected moments. While none of us can predict the future, we can ensure we're better prepared to face it with confidence when it arrives.
Check out resources on our website
Market Happenings
Amid the headlines surrounding geopolitical tensions, elections, and market volatility, one positive story continues to stand out: corporate earnings.
Recent research from Baird Strategas points to a constructive outlook for company earnings heading into 2027. Businesses have remained remarkably profitable, and that strength has been a key driver of market performance over the past several years.
That doesn't mean risks have disappeared. Valuations remain above historical averages, suggesting much of the good news is already reflected in stock prices. We continue to monitor several important risks, including the upcoming midterm elections, developments in the Strait of Hormuz, and broader economic uncertainty.
While short-term market movements are impossible to predict, healthy corporate earnings continue to provide an encouraging foundation for long-term investors. We've included a link to the full Strategas report below for those interested in a deeper dive into the earnings outlook.
BHG Tea
What Happens Every Tuesday Afternoon
Every Tuesday afternoon, our team gathers to discuss the families we serve, the challenges they may face, and the opportunities we see ahead.
These conversations go far beyond investments. We're discussing tax strategies, retirement decisions, insurance reviews, cybersecurity concerns, family transitions, and ways to simplify our clients' lives. Our goal is to identify issues before they become problems and opportunities before they're missed.
By bringing together different perspectives and experiences, we're able to challenge our thinking, share ideas, and provide more thoughtful guidance.
It's just one of the ways we work to ensure that when our clients need advice, we've already been thinking about the question.
Because confidence comes from preparation
Administrative Reminders
Modified Office Hours
As we celebrate Labor Day weekend, our office will close early on Friday, September 4, and will be closed on Monday, September 7. We look forward to reconnecting with you when we reopen on Tuesday.
Updates to your Baird Cash Management Debit Card
• Can now be added to Apple Pay and Google Pay.
• Text Alerts for suspicious activity: authentic alerts are sent from 40784.
Community Spotlight - Light the Night
Giving back to our community remains an important part of who we are. That's why we're honored to support Light The Night again this year, an inspiring event hosted by Blood Cancers United that brings people together to support those affected by blood cancers. We encourage you to explore event details here.