Stephen Bach LTMOnline

Stephen C. Bach CFP^®

Financial Advisor

7:12 Financial LLC

309 Henry Lane

Wallingford, PA 19086

610-892-1718 (Phone/Fax/Text)

712financial@lincolninvestment.com

www.712financial.com

November/December 2025

Moves to Make Before Year's End

Before you close the book on 2025, give yourself a head start on 2026. A year-end review of your portfolio and insurance policies can help ensure your investments are in line with your goals and your risks are properly covered for the new year.

Surprise - It's Taxable!

It's almost that time of year when you and the IRS must settle what you owe — or what the government owes you. Before you prepare your tax return, consider whether you'll need to include any of the taxable items listed below.

Smart Budgeting Tips After the Holidays

The holiday season often leads to overspending, leaving many feeling financially strained afterward. To get your finances back on track, start by reviewing your expenses and creating a realistic budget. List all sources of income and categorize your expenses, including essentials, debt payments, and discretionary spending.

Preparing Financial for Winter

Severe winter weather can create havoc both personally and financially, so it makes sense to prepare for the season by looking at ways to keep ice, snow and extreme cold at bay and save some money in the process.

Successful Grocery Budgeting

Holiday grocery shopping can destroy your food budget in the blink of an eye. Save at the supermarket with these timely tips.

Ways to Curb Holiday Spending

Although the winter holidays aren't here yet, now is a great time to prepare financially for them. For many people, this means starting with a plan, creating a budget and sticking to it. Here are a few ways you might accomplish this.

Empty Nest Investing

If your kids are grown and have grabbed control of their financial lives, now is a good time to refocus on your financial prospects and strategies for achieving your goals. Pay attention to the areas that can most affect your retirement readiness:

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Advisory Services offered through Capital Analysts, or Lincoln Investment, Registered Investment Advisers. Securities offered through Lincoln Investment, Broker/Dealer and Member FINRA/SIPC. www.lincolninvestment.com
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