Well Balanced Vol. 42
📈 Stock Quote
Today is the oldest you've ever been, and the youngest you'll ever be again.”
― Eleanor Roosevelt
Cybersecurity Event
Global cybercrime losses are projected to reach $11.9 trillion in 2026—making cybercrime, if measured as an economy, it would be nearly 3 times the GDP of Japan.
Vector is hosting a client and prospect focused Cybersecurity education event on February, 17 in Edina, MN. The discussion will be accompanied by heavy appetizers and refreshments.
Financial Planning Education Event
Do you have a friend or family member that may be interested in an educational seminar? Vector Wealth Management will be hosting 2 two-part Financial Planning Courses this February at Century College in White Bear Lake, MN. Courses will be held from 10 AM to noon.
Series 1:
Tuesday, February 3
Monday, February 10
Series 2:
Thursday, February 5
Thursday, February 12
Attendees will receive a workbook they can apply to their own financial situations. To reserve a spot or request more information—simply reply to this email or let your advisor know.
*This course is intended primarily for those who may not yet have a structured financial plan or advisory relationship. For existing Vector clients, your dedicated advisor remains the best resource for personalized guidance.
Meet Vector’s Client Services Team
Meet the people who keep everything moving behind the scenes—helping clients open accounts, process money movement requests, prepare paperwork, coordinate with custodians, and ensure every detail is handled with care. Our Client Service Team is here to make your experience easy, accurate, and personal.
Hear directly from the team members who bring Vector’s service promise to life and make sure you feel supported at every step.
The Health of Gratitude
Practicing gratitude offers numerous benefits, particularly during times of stress and uncertainty. Gratitude invites positive emotions that can have physical benefits through the immune or endocrine systems.
Research shows that when we reflect on what we appreciate, the parasympathetic or calming part of the nervous system is triggered, which can have protective benefits for the body—including decreasing levels of the stress hormone cortisol and increasing oxytocin, the hormone involved in relationships that fosters feelings of well-being.
Financial Life Docket
The 2026 planning season is officially underway. Here’s just a few things we are talking about with clients.
· New limits on retirement contributions for 2026.
· The IRS begins accepting and processing 2025 federal income tax returns on Jan 26.
· Roth-Only Catch‑Up Contributions for High Earners in now in effect.
Sancerre Fanfare
Celebrity influence isn’t just cultural—it’s economic.
A brief shot of a Sancerre bottle in Taylor Swift’s Disney+ documentary was enough to jolt a French winery’s sales. Fans identified the label themselves, and within days the winery’s U.S. distributor had fully sold out—a textbook case of “Swiftonomics,” where even an incidental cameo triggers real market movement.
This example shows how a tiny on‑screen detail can create a micro‑shock to demand, rapidly reshaping consumer behavior and draining inventory overnight.
ICYMI
Recent Video Posts from the Vector Team
Financial Decluttering: What to Keep, What to Save, and What to Review in 2026
Organizing your financial documents doesn’t have to be complicated. In this episode, Charlie Gruys breaks down what to keep, what to save, and what to review so your financial life stays organized and stress-free in 2026.
Six Tips for Retirees and Savvy Savers
Six financial planning topics for 2026, including RMDs, Roth conversions, and catch-up contributions for high earners. Chris discusses strategies for charitable giving, beneficiary designations, and updated 401(k) and HSA contributions limits.
Market Perspective: Changing Interest Rate Environment
We discuss what the latest rate cut, added liquidity, and what Fed policy outlook could mean for markets—and why, we believe, that long-term, goals-based planning remains prudent.
Updating Your Will as You Approach Retirement
When it comes to retirement planning, one crucial piece often gets overlooked: your will. As you near retirement, a quick review can help ensure your wishes are clear and up-to-date, and your loved ones are protected.