Wrought Financial Planning is pleased to welcome Brian Kutza to our growing team. Brian brings a unique blend of actuarial precision and personal empathy, specializing in helping families align their financial lives with what matters most. Brian’s arrival also marks a significant milestone for our firm. We are proud to announce the launch of Wrought Tax LLC, a new affiliate dedicated to tax preparation and accounting.
As a forward-looking financial planning firm, we are constantly monitoring the economic environment to ensure our investment strategies are positioned to capitalize on emerging opportunities while navigating potential risks. In September 2025, we completed a tactical rebalance of our portfolios, and we wanted to share some of the key insights driving our decisions.
As part of our commitment to keeping you informed, we want to share an important update on the "One Big Beautiful Bill Act" (OBBBA), which was recently signed into law on July 4, 2025. This new legislation replaces the tax rules that were set to expire and introduces significant changes that will impact financial planning for years to come.
We've made tactical adjustments to your portfolios aimed at ensuring your financial plan remains robust and aligned with your long-term goals.
The new tariffs announcements are creating significant uncertainty in markets. For investors, the key take-away is increased volatility and the potential for both slower economic growth and higher inflation makes it more important than ever to have a diversified portfolio and solid financial plan.
The RetireReady NJ program represents a notable development in retirement planning for New Jersey workers. Automatic enrollment and contributions made directly through payroll deductions simplify the process of setting aside funds for retirement.