WatersEdge Wealth Mgt

09/07/2026

Markets pushed higher in August as AI-driven optimism helped investors look past softer economic data. The S&P 500 gained 2.62% and the S&P/TSX Composite rose 2.96%, even as softening retail sales kept consumer spending in focus. Back-to-school season adds another data point to that story, with spending expected to reach \$146.8 billion in the U.S. and \$4.5 billion in Canada this year.

The Standard & Poor’s 500 Index advanced 2.62 percent, while the Nasdaq Composite rose 3.93 percent. The Dow Jones Industrial Average lagged, adding 1.34 percent. The S&P/TSX rose 2.96 percent.1,2

09/07/2026

A long weekend gives us space to step back from work and reflect on the life we are building.

We honor the work our clients have done to build what they have. And we help make sure it actually serves their lives.

🗽 Wishing you and your family a meaningful Labor Day weekend.

09/03/2026

Recent data regarding men's health highlight a critical reality that deserves closer attention:

1 in 8 men will be diagnosed with prostate cancer in their lifetime.

Excluding non-melanoma skin cancer, it stands as the most commonly diagnosed cancer in U.S. men. While that statistic is stark, the turnaround potential is incredible:

🚀 When caught early, the 5-year survival rate exceeds 99 percent.

Here are the most critical facts to know about risk and prevention:

◾ The Age Factor: Approximately 6 in 10 cases are diagnosed in men aged 65 or older.

◾ Family History: Risk increases for individuals with a father or brother who has battled the disease.

◾ The Silent Nature: Early-stage prostate cancer rarely shows any symptoms at all, making proactive screening the ultimate defense.

The American Cancer Society recommends speaking with a healthcare provider to make informed decisions about testing. This conversation typically begins at age 50 for average-risk individuals and earlier (around age 40 to 45) for those with a strong family history.

Consider sharing this information with a colleague, friend, or family member who might need a reminder to prioritize their next check-up.

09/02/2026

👉 Roughly 56 percent of IPOs bought at the offer price lost money after 3 years.

That's not the headline you see on day one.

You see the first-day pop. The company goes public, and its stock has averaged a 19 percent gain since 1980. Feels like a moment you should catch.

Here's what actually happens:

1️⃣ Institutional investors get the offering price before trading opens.

2️⃣ You buy at market open, after the move.

Then the real story starts.

🔎 This gap is based on research led by Professor Jay R. Ritter, who authored a 2026 report on IPO performance for the University of Florida. His analysis of 9,300 U.S. IPOs is one of the most comprehensive databases available.

Chasing IPOs can provide a thrill, but there are pros and cons.

A sound portfolio should reflect an investor's goals, risk, and time horizon. The risks of an IPO are not for everyone. 🎯

📋 Past performance does not guarantee future results. The return and principal value of IPOs and other stocks will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost.

09/02/2026

This Monthly Recap summarizes market performance, major events and news from August 2026. Read more here:

U.S. stocks returned to gains in August after the S&P 500 and Nasdaq Composite both ended negative the prior two months while the Dow Industrials capped a…

08/31/2026

What will this week's economic data mean for rate hike odds?
Join Chief Market Strategist Brian Klimke on this week's episode of as he breaks down key reports on manufacturing, services, employment, and Friday's closely watched jobs report. With the Fed meeting just two weeks away, markets will be looking to see whether the data strengthens or weakens the case for another hike.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

08/28/2026

You're Invited!

Medicare & Long-Term Care Planning Seminar

Are you nearing retirement or already enrolled in Medicare? Understanding your options can be confusing, and making the wrong decisions could cost you time, money, and peace of mind.

Join us for a complimentary Medicare & Long-Term Care Planning Seminar on September 21, 2026, where we'll discuss:

✅ Medicare enrollment and coverage options
✅ Common mistakes to avoid
✅ How long-term care can impact your retirement plan
✅ Strategies to help protect your assets and income
✅ Important planning considerations for you and your family

Whether you're approaching age 65 or helping a loved one navigate these important decisions, this educational seminar will provide valuable insights and practical guidance.

📅 September 21, 2026 @ 6pm
📍Donatella Restaurant Harrington Park, NJ
👉 Reserve your spot today by registering on our website (link below)

We look forward to seeing you there!

Join us for an informative and engaging seminar designed to help you make confident decisions about your healthcare and retirement future.

08/27/2026

Two retirees can earn the same average return and have very different outcomes.

Why?

Because in retirement, timing matters.

An early market downturn in retirement can be more damaging than the same downturn later.

That is the sequence-of-returns risk.

The risk is not simply “the market went down.” It’s “the market went down while income still had to come out.”

A strong retirement strategy should look beyond average returns and address:

🔹 Where income will come from
🔹 How much cash or short-term reserves make sense
🔹 Which accounts to draw from first
🔹 When to rebalance
🔹 How RMDs and Social Security fit into the withdrawal strategy

Sequence-of-returns risk does not make many headlines.

But for anyone entering retirement, it can be one of the most important ideas to understand.

The goal is not to predict the next downturn. It’s about being prepared.

08/26/2026

By 2030, women are expected to control nearly two-thirds of private wealth in the United States, representing roughly $30 trillion, according to a landmark 2020 study by McKinsey & Co.

That shift is already underway.

More women than men now graduate from college. Women-owned businesses generate more than $2.7 trillion in annual revenue.

And because women statistically live longer than men, many also manage the final, and often most complex, chapter of a family’s financial life.

The numbers tell an important story:

🔸 Women make or influence a growing share of household financial decisions.

🔸 Yet many still report feeling less confident, less heard, and less well served by traditional financial preparation.

🔸 That gap isn’t about ability. It is about whether the guidance, questions, and process reflect the realities of modern wealth.

Today is Women’s Equality Day.

A financial strategy should reflect the life being built and the goals that matter most for women and men alike: family dynamics, longevity, business ownership, caregiving, legacy, and the financial decisions that shape what is possible.

Does yours?

08/25/2026

There is usually no single moment when the roles begin to shift with aging parents.

A confusing medical bill.
A missed payment.
A scam text that almost got clicked.

When and how do you step in without taking over?

The goal is not to take control.

The goal is to make sure helpful people, information, and safeguards are in place before decisions have to be made under pressure.

One potential conversation starter you could try…

“We are reviewing our own estate documents and realize we should understand where everything is.”

Sometimes, that is enough to open the door.

The families who tend to feel best about how this chapter goes are the ones who approached it as a proactive exercise rather than a response to a problem.

We are glad to be part of that process at whatever stage a family is ready to begin.