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I hope your 2023 is off to a happy, healthy start and you enjoyed the holiday season with family and friends as much as I did. Before we’re well into the year, I wanted to share a photograph from our PFG holiday luncheon. Several loved ones were able to join us, and we had a great time together as a team.

You may also recall from the December edition of The Heron, we asked for you to vote on your favorite gingerbread house. The gingerbread houses were decorated by the team and our slightly competitive natures turned an afternoon of fun into a contest. We’re excited to share the winners below.  I can promise that this was a legitimate result despite the winner – honestly.  

  1. Candy Mansion – Todd Wike
2. Santa’s Workshop – Deb Kelly
3. Light the Way – Sara Westrick

You may also be hearing news about the significant changes being brought about by the SECURE 2.0 Act. Now law, the Act enhances previous legislation and creates new provisions to help people of all ages save for retirement. From increasing the age at which retirees must take required minimum distributions (RMDs) to helping younger people save for retirement while paying off student debt, there are positive benefits for every age group. One of our featured articles this month, “How does SECURE Act 2.0 change saving for retirement?” nicely simplifies the benefits and new legislation. 

As always, please don’t hesitate to reach out to us if you have any questions about how these changes affect your financial plan. 

Todd M. Wike, CFP®

Managing Partner, Potomac Financial Group
2022 RJFS Chairman’s Council Member*

The information contained in this material does not purport to be a complete description of the securities, markets, or developments referred to in this material. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any opinions are those of Todd Wike and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. There is no guarantee that these statements, opinions or forecasts provided herein will prove to be correct. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor’s results will vary. Past performance does not guarantee future results. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. Raymond James is not affiliated with and does not endorse the services or opinions of the various podcasts or applications discussed in this material. Chairman’s Council Membership is based on prior fiscal year production. Re-qualification is required annually. The ranking may not be representative of any one client’s experience, is not an endorsement, and is not indicative of advisors future performance. No fee is paid in exchange for this award/rating. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®,CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.