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Advisor's Edge Highlights of the Month from Share Scoops!

Frequently Asked Question❓ 

Will Social Security be enough to live on in retirement?

Answer at the bottom of the newsletter

The US economy is mostly holding steady, but businesses are increasingly worried about rising costs from tariffs.

The US economy is mostly holding steady, but businesses are increasingly worried about rising costs from tariffs. The Federal Reserve's latest Beige Book report, which gives a snapshot of economic conditions across the country based on information gathered from businesses and contacts across the 12 regional Fed districts, found that overall business activity hasn't improved much this past quarter.

Besides more car purchases, people aren't spending as much. There's less international travel, but some households rushed to buy big-ticket items before tariff-driven price hikes hit. Manufacturing and services industries were mixed, and two-thirds of districts said investment plans are on hold until trade rules become clearer.

Hiring is slowing. Most regions reported flat headcounts, a few saw outright declines, and wages aren't growing as much. Prices, however, keep rising: companies have already received supplier notices of tariff surcharges and say they will pass the extra costs along. For families, that means a higher cost of living; for business owners, thinner profit margins if spending keeps slowing.

Higher borrowing costs are cooling the spring housing market.

Higher borrowing costs are cooling the spring housing market. The Mortgage Bankers Association says mortgage applications dropped 13% last week, driven by a 20% plunge in refinancing and a 7% slide in new home purchase applications. The average 30-year fixed mortgage now costs 6.90%, the most expensive rate since February. For a median-priced $400,000 home, that rate jump adds roughly $80 to the monthly payment, squeezing budgets already facing record home prices and bigger down-payment hurdles. The spike in interest rates cooled off refinancing activity. With economic uncertainty driving steeper swings in interest rates, home buyers should watch rates closely to be ready to lock in quickly if costs dip again.

Millions of public service workers will soon get higher Social Security checks.

Millions of public service workers will soon get higher Social Security checks. For years, certain public-sector workers who also earned a government pension, such as public school teachers, police officers, firefighters, and postal workers, received smaller Social Security checks because of two rules designed in the 1980s to prevent “double dipping.” Those rules, the Windfall Elimination Provision and the Government Pension Offset, often slashed benefits by hundreds of dollars per month and even wiped out spousal or survivor payments.

The Social Security Fairness Act, signed in January, permanently ends those reductions. The Social Security Administration says about 3.2 million retirees now qualify for higher benefits. So far, the agency has delivered $7.5 billion in one-time retroactive payments that average $6,710 each, and 81% of cases have already been adjusted. Bigger regular checks started going out with April’s standard payment dates. The extra money could provide meaningful relief against rising everyday costs for many households living on fixed incomes.

Your Advisor's Edge Team

How HR & Benefits Can Actually Increase Your Profit This Year

Think HR and benefits are just an expense? Think again.

What if your HR and benefits strategy could increase your profit margin—without cutting corners on compliance or employee care?

In an upcoming webinar hosted by our trusted partner, you’ll discover how business owners are turning traditional HR costs into cash-flow generating assets.

This isn’t about fluff or theory. It’s about real, actionable strategies that will show you:

🔹The hidden leaks in your current HR & benefits setup (and how to plug them)

🔹How to use HR as a profit center, not a line item

🔹The top mistakes business owners don’t realize they’re making—and how to fix them fast

If you’ve ever said, “We’re too small to need a full HR strategy,” this is especially for you.

Event Details:

📆Date: Thursday, May 29, 2025

⏰Time: 11 AM - 12 PM ET

 📍Location: Zoom (link sent upon registration)

👉 Reserve your spot here: Click to register now

Seats are limited...make sure your business isn’t leaving money on the table.

The Tax Exempt Stock Diversification Trust

Sitting on highly appreciated stock but hesitant to sell because of capital gains taxes?

What if you could sell, diversify, pay zero tax, and still receive lifetime income?

📌 This is not a Charitable Remainder Trust.

Join our free virtual training to discover a powerful, IRS-compliant trust strategy that allows you to:

- Sell assets with over $1M in capital gains
- Eliminate capital gains and estate taxes
- Still benefit from the full proceeds

This strategy has helped investors save billions in taxes over the last 25 years.

📆Date: Thursday, May 29th, 2025
⏰Time: 2–3 PM ET
💻Location: Zoom
🎯Educational only—nothing will be sold

🔗 Register HERE with your email and phone to get the link!

Nationally Recognized Estate Attorney Reveals How to Protect Your Legacy

What does it really take to create a lasting legacy?

In this powerful webinar, you’ll discover:

1️⃣Why a solid financial plan isn’t enough
2️⃣How to shield your assets from taxes and legal costs
3️⃣The often-overlooked third piece—passing down wisdom, values, and family history

Join best-selling author and estate attorney Stan Miller as he reveals the simple steps to safeguard your legacy for generations.

🌅Bonus: Attend live and you could win a 3-night, 4-day stay at a five-star resort!

Register now and we’ll send you the Zoom link within 5 minutes.

Event Details:
📆Date: Thursday, May 29, 2025
⏰Time: 12 AM - 1 PM ET
 📍Location: Zoom (link sent upon registration)

🔗Register HERE

💡 Answer to the Question:

Social Security provides a steady income in retirement, but for most people, it’s not enough to live on comfortably. The monthly paid benefit is based on your highest 35 years of earnings, and while it’s adjusted for inflation, it’s designed to replace only about 40% of what you earned before retirement.