Markets are inching toward highs while cash yields fade and the data pipeline clogs from a long government shutdown. We unpack how a 25 bp Fed cut, a divided committee, and cooler odds for multiple cuts next year ripple through stocks, bonds, and your cash strategy. Earnings remain a bright spot, but leadership is narrow and expectations for megacaps are unforgiving. We talk through the trade truce headlines, tariff tweaks, and what a pause on certain restrictions means for profits, supply chains, and near-term sentiment.From there, we get practical. If you’ve been waiting on the sidelines, falling money market rates change the math. We map clear options for short-term cash that must stay safe and liquid, and outline disciplined ways to build positions for long-term goals without chasing stretched valuations. We also explore when select fixed annuities can deliver rare, competitive yields, and the due diligence questions to answer before you say yes.Tax-smart planning threads through the entire conversation. We share a straightforward checklist to fix 401(k) and IRA overcontributions, including how net income attributable works and why earlier corrections beat April or October crunch time. Then we tackle Required Minimum Distributions: the current age, the first-year timing tradeoff, and the different rules for beneficiary IRAs that trip up even seasoned investors. To cap it off, we highlight our women’s finance event focused on building confidence, context, and control over money decisions.If you’re weighing when to deploy sidelined cash, how to align risk with your time horizon, or what to do after an overfunded plan, this conversation gives you a calm, actionable roadmap. Subscribe, share with a friend who’s rethinking their cash bucket, and leave a quick review telling us your top money question for year-end planning.

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