Greetings from Omaha, Nebraska!
As we welcome November, the crispness of fall fills the air and the vibrant colors of autumn are on full display. With Halloween behind us, my kids are already buzzing with excitement for the upcoming holiday celebrations. We hope this season brings you moments of gratitude, reflection, and warmth.
This month, we’ve curated a selection of articles to help you navigate both the financial landscape and everyday life. For those interested in market trends, we delve into the implications of the upcoming elections on stock performance. We also share practical tips for simplifying holiday gift-giving, allowing you to focus on what truly matters during this festive time.
On a personal note, discover how AI can simplify tasks like meal planning and review top cybersecurity tips inspired by October’s Cybersecurity Awareness Month. We also outline the 2025 tax brackets, highlight the importance of estate planning, and offer insights into today’s competitive college admissions landscape.
Happy reading, and please don’t hesitate to reach out if we can support you in any way!
Thank you,
Matt Lessman
 | The U.S. Election: Implications For Stocks Should investors change their stock exposure based on the Presidential election? What does history tell us about each political party’s stock performance while in power?
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| How To Talk To Your Family About Simplifying Gift Giving The holidays will be here soon and people are already anxious about holiday gift-giving. Many remember last year, and how gift-giving detracted from the holiday itself.
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 | AI Solves My Most Annoying Chore: Meal Planning for a Toddler What’s for dinner? Ask AI.
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 | October is Cybersecurity Awareness Month. Here’s how to stay safe from scams October is Cybersecurity Awareness Month, which means it’s the perfect time to learn how to protect yourself from scams.
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| The 2025 Tax Brackets Are Here. See Where You Land. The brackets that determine how much Americans pay in taxes each year are moving up by their smallest amount in a few years. It will take more income to reach each higher tax bracket after the roughly 2.8% inflation adjustment for 2025. The annual adjustments are based on formulas tied to inflation. Here are some of the key changes.
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 | Galloway says he now uses AI more as a “thought partner” than a writer. He consults AI for information, asks it to create a pitch deck, and prompts it to ask him questions like an investor based on the pitch deck. AI doesn’t replace the tasks Galloway has to do; it augments them.
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| I’m Way Too Young for Estate Planning. Or Am I? The reason you’re never too young for an estate plan is as straightforward as it is difficult to think about: The moment someone turns 18, parents no longer have a legal say in financial and health matters without instructions and permissions in place.
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| The Guru Who Says He Can Get Your 11-Year-Old Into Harvard While the number of students applying to the top universities in the U.S. has increased about fivefold over the past three decades, the increase in class sizes at Ivy League universities is negligible. Admission rates are now below 5% at schools such as Harvard and Yale—down from around 20% two generations ago. Enter Jamie Beaton. The 29-year-old CEO of Crimson Education offers a pricey, yearslong boot camp preparing kids to apply to the Ivy League. Parents, and Wall Street, are on board.
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