Dear Friends,
As the holiday season unfolds, we enter a time of reflection, celebration, and anticipation. Advent invites us to prepare for the commemoration of Christ’s birth and the hope and joy of Christmas. At the same time, the approaching new year encourages us to look forward to 2026 with aspiration and intention.
In this November/December issue of Tomorrow, we’ve curated timely financial insights to help you close out the year with confidence and step forward into new beginnings. Our feature article, “Understanding the 2026 Annuity Payout,” provides clear answers to your questions about next year’s payout rate and includes a handy glossary of terms for your reference.
As the year ends, “How the IRS Safe Harbor Rule Applies to Clergy” offers clergy and self-employed individuals guidance on steps to take before December 31 to avoid tax underpayment penalties.
With holiday shopping in full swing, our article “Don’t Let Holiday Scammers Steal Your Cheer” shares practical tips to safeguard your finances from fraudsters. In our “Financial Fact,” we also explore the timely question, “Is the Buy Now, Pay Later Trend a Debt Trap?” by examining the advantages and risks of these popular payment options. Finally, we wrap up our flood insurance series with “Flood Insurance 101: What to Know Before the Next Storm,” equipping you with knowledge to protect your home.
As we celebrate, I invite you to reflect on this scripture: “And the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus.” – Philippians 4:7 (NIV). This verse reminds us of the deep tranquility our faith in Jesus Christ can bring, even amid the busyness of the season. As we prepare for festivities and navigate life’s uncertainties, may God’s peace anchor your celebrations and sustain you throughout the coming year.
Wishing you a blessed Christmas and a joyful New Year. We are honored to serve you and to continue supporting you in 2026.
Regards,
Perry
Translations of any materials into languages other than English are intended solely as a convenience to the non-English-reading public. We have attempted to provide an accurate translation of the original material in English, but due to the nuances in translating to a foreign language, slight differences may exist.
Las traducciones de cualquier material a idiomas que no sean el inglés son para la conveniencia de aquellos que no leen inglés. Hemos intentado proporcionar una traducción precisa del material original en inglés, pero debido a las diferencias de la traducción a un idioma extranjero, pueden existir ligeras diferencias.
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