AFG Town Hall March 11th 2026

Our next installment of the 2026 Town Hall series is now ready to view. This video series keeps our team informed and keeps you up to date on current news and planning topics that may affect you. We value providing ongoing financial education to our clients and the public, and we appreciate you taking the time to view our Town Hall series.

• Will Meneses: It’s a common saying in the retirement planning field that the most expensive years in retirement are the first three and the last three. When you first retire, every day is “Saturday”.  We take that trip we have been putting off, start projects that we had no time for, or deal with health issues we have ignored. This, on top of the regular unplanned events we encounter, can affect our savings. In our final years, health costs tend to be higher, which has the same effect. 
• Tracey Richardson:  Recent world events have impacted the energy sector. This has a ripple effect on broader markets, and market speculation can amplify that volatility. It’s times like these when we see the importance of a long-term plan. 
• Steve Aul:  Politics, world events, and the 24-hour news cycle can make it feel like we’re in a doomsday scenario with our finances and life in general. Many of these uncertainties have a shorter-term impact than we may expect, but we can still have very emotional reactions. Steve takes us through some of the tools we use to remove emotion from our investment choices and help us stick to our plan. 

Click Here to watch the March 11th Recording on YouTube

If you have questions or topics you would like to see the team cover on the next Town Hall, please email info@aulfg.com.

Previous Town Halls and more can be viewed on our YouTube channel. Remember to subscribe to our channel to be notified when a new video has been added.

Our next installment of the Town Hall is now ready to view. This video series keeps our team informed and keeps you up to date on current news and planning topics that may affect you. We value providing ongoing financial education to our clients and the public, and we appreciate you taking the time to view our Town Hall series.

• Will Meneses:  The rules surrounding “catch-up contributions” can change with each tax year. Will walks us through some of those recent changes and what that may mean to you. Your financial adviser should help you stay on top of changes in rules and laws and how they may affect your planning goals. If you are not having those conversations, please feel free to reach out to our team.
• Tracey Richardson:  It is not uncommon to see old ideas being repacked into new terminology. Tracey covered one of those techniques, being referred to as the Protected Bucket Strategy. The general approach is to divide your investments into short-, medium-, and long-term categories. Each bucket would contain investments appropriate to the investor’s time frame and goals. This could help to reduce the impact of volatility on your portfolio and help provide steady income. 

Click Here to watch the February 11th Recording on YouTube

If you have questions or topics you would like to see the team cover on the next Town Hall, please email info@aulfg.com.

Previous Town Halls and more can be viewed on our YouTube channel. Remember to subscribe to our channel to be notified when a new video has been added.

Our last Town Hall of 2025 is now ready to view. This video series keeps our team informed and keeps you up to date on current news and planning topics that may affect you. We value providing ongoing financial education to our clients and the public, and we appreciate you taking the time to view our Town Hall series. In this episode, each team member shares a special holiday memory to help wrap up 2025.

• Tracey Richardson:  There is a common misunderstanding that we see when people think about Exchange Traded Funds (ETFs). Tracey helps to set the record straight on what these are and how they may be a useful tool in the planning process.
• Will Meneses:  The landscape has changed with employer benefits over the past couple of decades. This can change how you think about and prepare for retirement. Will discusses the challenges of retiring today and the need to remain adaptable to future changes.
• Steve Aul:  Confirmation Bias is something to watch out for when making financial planning decisions. In today’s information environment, it is easy to find sources that support your beliefs. This can lead you to make decisions that overlook different perspectives. One of our roles is to help cut through the “noise” and make well-informed decisions. 

Click Here to watch the December 17th Recording on YouTube

If you have questions or topics you would like to see the team cover on the next Town Hall, please email info@aulfg.com.

Previous Town Halls and more can be viewed on our YouTube channel. Remember to subscribe to our channel to be notified when a new video has been added.

Our latest edition of the Town Hall series is now available to view. This video series keeps our team informed and keeps you up to date on current news and planning topics that may affect you. We value providing ongoing financial education to our clients and the public, and we appreciate you taking the time to view our Town Hall series.

• Tracey Richardson:  The end of the year can make for the best time to assess your financial goals. How did you fare during the current year? Have your goals or situation changed? What might need to be adjusted to better meet your needs in the year to come? These are all great questions to address with an end-of-year review with your adviser.
• Will Meneses:  Are you prepared for the potential impact of AI? New technologies can have a positive effect on our lives, but they can also create unexpected disruptions. Does your financial plan include a Plan B, or even a Plan C? If your employment is cut short for any reason, what is the impact on your financial plan? What if our health forces a change, or how do we financially deal with the loss of a spouse unexpectedly? Be sure you’re speaking with your adviser about the “What Ifs”.
• Steve Aul:  Politics and your pocketbook is a topic we cover quite often at presentations. Steve talks a bit about the Federal Reserve and the possible changes we could see in the near future. He also discusses why it’s important to ask questions about what is new in the investment world. 

Click Here to watch the December 3rd Recording on YouTube

If you have questions or topics you would like to see the team cover on the next Town Hall, please email info@aulfg.com.

Previous Town Halls and more can be viewed on our YouTube channel. Remember to subscribe to our channel to be notified when a new video has been added.

Our latest edition of the Town Hall series is now available to view. This video series keeps our team informed and keeps you up to date on current news and planning topics that may affect you. We value providing ongoing financial education to our clients and the public, and we appreciate you taking the time to view our Town Hall series.

• Will Meneses: How do we help our children without negatively affecting our future retirement plans? With some children returning to the nest or requiring an extra financial boost, it is important to review how this can impact your needs. 
   
• Tracey Richardson: We often speak about Asset Allocation, but Tracey covered another important planning topic, Asset Location. The type of account you use to hold some assets can impact your planning. Tracey helps illustrate this important element of financial planning.
   
• Steve Aul:  He wraps up this session by discussing some of the volatility we have been seeing in the market. 

Click Here to watch the November 19th Recording on YouTube

If you have questions or topics you would like to see the team cover on the next Town Hall, please email info@aulfg.com.

Previous Town Halls and more can be viewed on our YouTube channel. Remember to subscribe to our channel to be notified when a new video has been added.

Our latest edition of the Town Hall series is now available to view. This video series keeps our team informed and keeps you up to date on current news and planning topics that may affect you. We value providing ongoing financial education to our clients and the public, and we appreciate you taking the time to view our Town Hall series.

In This Edition:

• Will Meneses: What are the possible effects on your planning when interest rates drop?
• Tracey Richardson: Investments alone don’t guarantee a solid retirement. This is why a well-thought-out and often updated plan can be so important. 
• Steve Aul: What you don’t know could hurt you. Steve shares his experience from running the New York Marathon last weekend. While the experience was great, he could have benefited from the knowledge of someone who had been there before. The same could be said for retirement planning.

Click Here to watch the November 5th Recording on YouTube

If you have questions or topics you would like to see the team cover on the next Town Hall, please email info@aulfg.com.

Previous Town Halls and more can be viewed on our YouTube channel. Remember to subscribe to our channel to be notified when a new video has been added.

Our latest edition of the Town Hall series is now available to view. This video series keeps our team informed and keeps you up to date on current news and planning topics that may affect you. We value providing ongoing financial education to our clients and the public, and we appreciate you taking the time to view our Town Hall series. The team had taxes on the brain for this session.

Will Meneses starts us off, helping everyone take full advantage of changes that could affect you in 2025. Knowing what questions to ask is half the battle when you sit down with your tax professional.

Tracey Richardson covered a variety of end-of-the-year items to watch out for. This can include taking advantage of Qualified Charitable Donations, Roth Conversions, Tax Loss Harvesting, and more. If you’re not sure you have taken full advantage of tax planning for 2025, be sure to reach out soon. Some of this takes time to execute correctly.

Steve Aul wraps up this Town Hall with an overview of the question. “How much do I need for Retirement?”. It’s an obvious question people will have as they approach retirement. The “magic number” you may need is highly specific to your needs. It is important not to get caught up in generic retirement numbers you may hear in the media. Finding the number that keeps you comfortable is very specific to your needs. This is why we recommend working with a financial planning professional to help you find your number.

Click Here to watch the October 22nd Recording on YouTube

If you have questions or topics you would like to see the team cover on the next Town Hall, please email info@aulfg.com.

Previous Town Halls and more can be viewed on our YouTube channel. Remember to subscribe to our channel to be notified when a new video has been added.

Our latest edition of the Town Hall series is now available to view. This video series keeps our team informed and you up-to-date on current news and planning topics that may affect you. We value providing ongoing financial education to our clients and the public, and we appreciate you taking the time to view our Town Hall series.

Will Meneses shared a great topic with us this week: Long-Term Care. Planning for the potential of needing long-term care assistance is an important part of our process. A lot has changed in the ways we can address these potential expenses. With hybrid programs, we can leverage assets to provide for care if needed. Will takes us through some of the planning processes we employ to plan for these possibilities.

Steve Aul wraps up this Town Hall with an update on the Market. He also reminds us that reviewing allocations and profit-taking strategies are important parts of financial planning. Having too much concentration in a small group of stocks could expose you to too much risk.

Click Here to watch the Ocotber 8th Recording on YouTube

If you have questions or topics you would like to see the team cover on the next Town Hall, please email info@aulfg.com.

Previous Town Halls and more can be viewed on our YouTube channel. Remember to subscribe to our channel to be notified when a new video has been added.

Our latest edition of the Town Hall series is now available to view. This video series keeps our team informed and you up-to-date on current news and planning topics that may affect you.

Tracey Richardson joins us for her first Town Hall. She covered the importance of proper planning.  

Will Meneses is up next with an overview of catch-up contributions with your 401(k). Some rules are changing soon, and it is important to keep up with the changes.

Steve Aul wraps up our session with a recap of the 15th anniversary celebration we had on September 18th. We had such a wonderful time celebrating this milestone with our clients. We look forward to sharing many more in the future.

Click Here to watch the Sept. 24th Recording on YouTube

If you have questions or topics you would like to see the team cover on the next Town Hall, please email info@aulfg.com.

Previous Town Halls and more can be viewed on our YouTube channel. Remember to subscribe to our channel to be notified when a new video has been added.

Our latest edition of the Town Hall series is now available to view. This video series keeps our team informed and you up-to-date on current news and planning topics that may affect you. We have found that the more effort we put into informing our clients, the better off they tend to be.

Will Meneses kicks us off with an overview of financial issues to review as we approach the end of the year. It can be easy to push off decisions like Roth Conversions, and we may not be used to taking things like Required Minimum Distributions if we have recently hit that age. Now is the time to take a serious look at your planning for the year to ensure you’re not missing anything important. Will does a fantastic job providing a list of items worth reviewing in the final quarter of the year.

Steve Aul is up next with an overview of what we have been seeing in the Market. Recent economic data further support the Fed cutting rates in September, and helped push the markets higher this week. Steve wraps up the session by discussing some of the upcoming events we have at Aul Financial Group. S

Click Here to watch the Sept. 10th Recording on YouTube

If you have questions or topics you would like the see the team cover on the next Town Hall, please email info@aulfg.com.

Previous Town Halls and more can be viewed on our YouTube channel. Remember to subscribe to our channel to be notified when a new video has been added.