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By Kimmy Wan Table of Contents Key Updates — The Economy & KW’s Opinion — Why We Took Some Profits AI in Investing — Helpful Tool & KW’s Opinion — How We Use It Netflix — Strong Business, Weak Stock & KW’s Opinion — Build, Don’t Chase Apple — Cash Machine, New Chapter & KW’s Opinion — Long-Term Strategy Market Expectations — What’s Priced In & KW’s Opinion — Stable for Now Planning Check — Medicare Costs & KW’s Opinion — Why Overpaying Happens Education — Phone Security Check

Written by Kimmy Wan Embracing new beginnings: A hand gracefully intertwined with a flourishing plant, symbolizing growth and the journey into retirement. After 28 years of sitting across the table from people with different incomes, different backgrounds, and different personalities, I’ve learned something simple: Everyone lives differently. But the fundamentals? They’re surprisingly the same. Some people want to travel the world. Some don’t want to leave their neighborhood.

The list below includes changes in contribution limits, tax brackets, and other thresholds that are useful for financial planning in 2025. The passage of the One Big Beautiful Act included tax code changes particularly relevant to high net worth individuals and tax owners. For detailed and personalized advice, it's recommended to consult a financial advisor or tax professional.