FINANCIALLY FOCUSED

November 2025 Newsletter

Introducing our new team member Aaron Mix!

Aaron is a licensed agent and additional resource to you. Please feel free to reach out to him.

(949) 426-9958

As a Wealth Advisor at Tennyson Wealth Management, Aaron Mix is passionate about helping clients bring clarity and confidence to their financial lives. Aaron partners with individuals, families, and business owners to create personalized strategies designed to grow and protect their wealth—so they can focus on what matters most.

Aaron believes that successful financial planning starts with genuine relationships. He takes the time to truly understand each client’s goals, values, and vision for the future, building tailored plans that evolve as life changes. Whether guiding clients through retirement planning, investment management, or wealth transfer strategies, Aaron’s approach is rooted in trust, transparency, and long-term partnership. Known for his thoughtful advice and steady guidance, Aaron brings both professional insight and a personal touch to every conversation.

Aaron is based in Lansing, Michigan and is a graduate of Lansing Community College where he earned a degree in Computer Networking & Cybersecurity, bringing a knowledge set to our team that is becoming more important every day in the financial services industry. Outside of work, he enjoys being active in the Lansing community, enjoying quality time with his friends and family, and exploring new places around the state.

FEDERAL RESERVE RATE CUT: WHAT IT MEANS FOR YOU

When the Federal Reserve moves, it’s more than a headline — it ripples through everyday finances, as a recent NerdWallet article headlined Fed Trims Rate: What Does It Mean For You? makes clear.

The Fed’s recent quarter-point cut lowered the federal funds range to 4%–4.25%. That can mean cheaper borrowing over time, but also lower yields on savings and fresh market swings as the change filters through gradually.

WHY THE FED CUT RATES

Leaders called it a “risk-management” move, meant to support the job market as hiring cools and unemployment edges up, while keeping a close watch on inflation.

WHAT IT MEANS FOR YOU

• Borrowing: Credit cards, auto loans, mortgages, personal loans, and lines of credit may trend lower. If you carry debt, you may want to explore whether refinancing makes sense after considering fees, timelines, and your overall financial strategy.

• Saving: Banks often trim yields on savings accounts and CDs after cuts. Review income strategies, CD ladders, and other fixed-income options.
• Investing: Lower rates can sometimes support profits and growth, though they also signal caution. Long-term discipline usually matters more than short-term headlines.

LOOKING AHEAD

More cuts are possible but not promised. The Fed is proceeding meeting-by-meeting, responding to new data. Anchor decisions to your goals, time horizon and risk comfort, not just the news cycle.

THE TAKEAWAY

This cut won’t transform your finances overnight, but it changes the backdrop. Whether you refinance, reallocate, or stay the course, align moves with your personal strategy. A conversation with a financial professional may help you decide what (if anything) to change now and what to watch next.

SOURCE

https://www.nerdwallet.com/article/finance/fed-rate-cut-sept-2025

WHAT WE’RE READING

Peering from some high window, at the gold of November sunset and feeling that if day has to become night, this is a beautiful way.

• E.E. Cummings

Here are some of the most informative and interesting financial news stories that we’ve read lately:

• In the market for your first home or a new place to hang your hat? Don’t miss this data-rich Yahoo Finance article, Buying a house before the end of 2025? What you need to know.
  • https://finance.yahoo.com/personal-finance/mortgages/article/buying-a-house-before-the-end-of-2025-181504052.html
• If your target retirement date is on the near horizon, be sure to check out this USA Today article, 3 things you might forget to account for in your retirement budget.
  • usatoday.com/story/money/personalfinance/retirement/2025/09/25/retirement-budget-things-to-remember/86025531007/
• Those 65 and older may benefit from what’s been dubbed the “senior bonus.” The Kiplinger article, Five Ways to Cash In On the $6,000 ‘Senior Bonus’ Deduction has the rundown.
  • https://www.kiplinger.com/retirement/roth-iras/six-ways-to-cash-in-on-the-usd6-000-senior-bonus-deduction
• The U.S. News and World Report article, Why Your Medicare Advantage Plan May Cost More Soon has some eye-opening details you may want to discuss with your financial services professional.
  • https://money.usnews.com/money/retirement/articles/medicare-advantage-plans-may-be-less-advantageous-in-2026
• At some point, nearly everyone approaching retirement will wonder just how big their nest egg needs to be. This Investopedia article, How Much Do I Need to Save to Retire? provides some possible answers. 
  • https://www.investopedia.com/retirement/how-much-you-should-have-saved-age/

PUMPKIN PIE SPICE WAS FIRST SOLD IN 1933

The Thompson & Taylor Spice Company, a Chicago-based institution that was once so large that its factory and warehouse featured tunnels for railroad cars, released a nine-ingredient preblended mixture called Pumpkin Pie Spice in 1933. One year later, McCormick & Company released their own take on the product — and a four-spice version including allspice, cinnamon, ginger and nutmeg is still on shelves today.

SOURCE

https://www.hgtv.com/lifestyle/holidays/brilliant-fall-facts-and-autumn-curiosities-pictures

CRANBERRY BRIE PULL-APART BREAD

Looking for an easy, crowd-pleasing holiday appetizer? Try this Cranberry Brie Pull-Apart Bread! Warm, gooey brie pairs perfectly with sweet-tart cranberry sauce, all tucked into a golden loaf that’s made for sharing. It’s festive, delicious, and ready in minutes—perfect for any holiday gathering.

Let's Get Baking!

The individual sending this communication offers securities and investment advisory services through Gradient Securities, LLC (Arden Hills, MN 866-991-1539). Member FINRA/SIPC. Gradient Securities, LLC (a SEC Registered Investment Advisor) offers investment advisory services under the d.b.a. of Gradient Wealth Management. Gradient Securities, LLC and its advisors do not render tax, legal, or accounting advice. Insurance products and services are offered through Tennyson Insurance Solutions. Tennyson Wealth Management and Tennyson Insurance Solutions are not affiliated with Gradient Securities, LLC. Gradient Securities, LLC, Tennyson Wealth Management and Tennyson Insurance Solutions are not affiliated with or endorsed by the Social Security Administration or any government agency. This Email is being sent by or on behalf of a dually Registered Representative and Investment Advisor Representative. It is intended exclusively for the individual or entity to which it is addressed. This communication may contain information that is proprietary, privileged, or confidential, or otherwise legally exempt from disclosure. If you are not the named addressee, you are not authorized to read, print, retain, copy, or disseminate this Email or any part of it. If you have received this Email in error, please notify the sender immediately by Email or fax, and destroy all copies of this communication. The presence of this email shall in no way be construed or interpreted as a solicitation to sell any products or services to any residents of any state other than where legally permitted. Please be advised that you may conduct securities transactions only by speaking directly with your Registered Representative and/or Investment Advisor Representative. To help protect your privacy, we strongly recommend that you avoid sending sensitive information, such as account numbers and social security numbers, via email. Please be further advised that, pursuant to the Bank Secrecy Act, the USA PATRIOT Act, and similar laws, any communication in this email is subject to regulatory, supervisory, and law enforcement review.