Menard Wealth Management

Your debt-to-income ratio is one of the key numbers lenders look at. Find out where you stand and what it might mean for major financial decisions.

Debt-to-Income Ratio Calculator Calculate your debt-to-income ratio to understand how lenders may view your financial health.

Family financial lessons don’t have to be complicated to be meaningful.

Three simple habits can make a lasting impact:
• Saving
• Giving
• Talking openly about financial decisions

Over time, these moments can shape how children and grandchildren understand the wealth you’ve built, what it’s for, and how to steward it.

Selling an asset? Before you do, get a sense of what the federal capital gains tax could look like. Enter your numbers and see a quick estimate.

Federal Capital Gains Tax Estimator Estimate your potential federal capital gains tax liability on the sale of an asset.

The Fed meets Tuesday and Wednesday, and while everyone’s expecting no change, there are still a couple things to keep an eye on—like the new dot plot and what’s next under the new Chair. CIO Gene Goldman reminds us that a Fed hold may not be exciting, but consistency counts. See more in .

The Week Ahead | Cetera “Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

69% of women live without a spouse or partner. If you are a woman, you need to have a financial strategy. Read more in our infographic:

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Happy National Children’s Day! 🎈

Today we celebrate the laughter, imagination, and endless potential that children bring into our lives. Whether they’re dreaming big, asking a million questions, or keeping us on our toes — kids remind us what truly matters.

Here’s to investing in their future, encouraging their dreams, and making memories that last a lifetime. ❤️

Today is World Blood Donor Day ❤️

One small act can make a life-changing difference. Blood donors help save millions of lives each year, giving hope to patients, families, and communities when they need it most.

If you’re able, consider donating. It’s one of the few gifts that costs nothing but means everything. 🩸

Did you know the flag is always flying at The White House, Fort McHenry, and the Iwo Jima Memorial?

Today we celebrate the birth of the U.S. Army

Since 1775, generations of soldiers have answered the call to serve with courage, sacrifice, and unwavering dedication to our country. We honor the men and women who have protected our freedoms and continue to serve with pride.

Thank you to all who have worn the uniform — past and present. Your service will never be forgotten.

Net worth is one of the most telling numbers in personal finance. Add up your assets and liabilities to see where you really stand today.

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