August 2025 Insights Newsletter

September 11, 2025
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Mark your Calendar

  • August 3 - National Friendship Day
  • August 8-10 - Texas Tax Free Weekend
  • August 10 - Update your Bio day
  • August 17 - National Non-Profit Day
  • August 26 - Women's Equality Day
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Charity of the Month

Verus Financial is excited to shine a charity spotlight on Avondale House during the month of August with a Save the Date for their Bingo Bash.

   

EXTRA! EXTRA! READ ALL ABOUT IT!: The 6th Annual Avondale House Bingo Bash, chaired by the dynamic duo Chereese Johnson and Binita Patel, is making headlines on Thursday, September 25, 2025 — and we hope you'll be part of the excitement!

Taking place at the beloved Junior League of Houston, the evening will feature six lively rounds of Bingo, fabulous prizes and plenty of fun from start to finish. Clear your calendar — and your Bingo card — because this will be a night to remember!

Learn More!

   

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Texas Tax Free Weekend Aug 8-10

The 2025 sales tax holiday begins Friday, Aug. 8, and goes through midnight Sunday, Aug. 10. The sales tax exemption applies only to qualifying items you buy during the sales tax holiday. Items you buy before or after the sales tax holiday do not qualify for exemption, and there is no tax refund available.

Qualifying Items

List of Clothing, Footwear and Other Items

https://comptroller.texas.gov/taxes/publications/98-490/school-supplies.php

Clothing and Footwear

Face Masks

Backpacks

School Supplies

Special Purchases

School Supplies Purchased Using a Business Account – Exemption Certificate Required If you buy qualifying school supplies under a business account, you must give a properly completed Form 01-339, Texas Sales and Use Tax Exemption Certificate (PDF), to the seller. "Under a business account" means you are: using a business credit card or business check and not a personal credit card or personal check; being billed under a business account maintained by the seller; or using a business membership at a membership-based retailer.

Visit Comptroller.texas.gov for more information about tax-free weekend, including online purchases and phone orders.

   

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How to Prepare for the School Year

Summer vacation always seems to fly by, and before you know it, a brand-new school year is just around the corner. Whether you’re a parent getting your child ready for their first day or a student preparing to head back, having a plan can make the transition smoother and more enjoyable for everyone involved.

Here are a few simple, practical tips to help you and your family gear up for a successful school year:

🗂️ Get Organized

The key to reducing back-to-school stress is to get organized early. Create a checklist of everything you need to do before the first day — like shopping for supplies, setting up a study space, and creating a daily routine. Starting early gives you time to plan, avoid last-minute surprises, and ease into the new schedule.

✏️ Restock Your Supplies

While most schools provide a list of required materials, it’s smart to take inventory of what you already have at home. Restock essentials like pens, notebooks, and folders, and take advantage of back-to-school sales to save on supplies you’ll need throughout the year.

👩‍🏫 Meet with Teachers

If possible, connect with your child’s teachers before the school year begins. It’s a great way to introduce yourself, discuss your child’s strengths and areas for growth, and address any concerns you might have. Building a positive relationship with teachers can make a big difference in your child’s academic journey.

📣 Get Involved

Staying active in your child’s education is one of the best ways to support their success. Attend school events, join the parent-teacher organization, and volunteer when you can. Not only does this show your child that you value their education, but it also helps you stay informed and connected to their learning environment.

😊 Stay Positive

New school years can bring excitement — and a few nerves. Encourage your child to embrace new experiences, make new friends, and focus on their strengths. A positive attitude can help ease first-day jitters and set the tone for a successful year ahead.

🎒 Final Thoughts

Preparing for the school year doesn’t have to be overwhelming. With a little planning, organization, and involvement, you can help make this time of year fun and productive for your family. And don’t forget — financial planning plays a role too, whether it’s budgeting for supplies, saving for future education costs, or adjusting your household spending for the months ahead.

At Verus Financial Group, we’re here to support you through every season of life. If you’d like to review your family’s financial plan or explore strategies for managing education expenses, reach out to us today.

Here’s to a successful, joyful, and organized school year!

   

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Spicy Sausage Pizza with Burrata

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Prep Time: 20 minutes

Total Time: 35 min

Serving: 6 servings

Ingredients

  • 1 large, round flatbread or prebaked pizza crust (at least 12 inches in diameter)
  • 4 tablespoons extra virgin olive oil, divided
  • ⅓ cup Boursin cheese
  • 1 pound precooked spicy sausage, sliced
  • 2 cups finely chopped broccoli
  • 3 cups finely shredded kale
  • 6 ounces burrata cheese
  • Fresh basil leaves, for garnishing
  • Crushed red pepper flakes, for garnishing
  • Freshly ground black pepper, for garnishing

Directions

  1. Preheat the oven to 450°F. Place the crust on a baking sheet and brush the surface with 1 tablespoon of the olive oil. Spread the Boursin cheese onto the crust in an even layer.
  2. In a large skillet, heat 2 tablespoons of the olive oil over medium heat. Add the sliced sausage and cook, tossing occasionally, until it’s golden brown on both sides, about 5 minutes.
  3. Arrange the sausage, broccoli and kale on the pizza in an even layer. Drizzle the remaining 1 tablespoon olive oil over the surface.
  4. Bake until the vegetables are tender and lightly charred, 10 to 12 minutes.
  5. Dollop the burrata on top of the pizza. Garnish with the basil, crushed red-pepper flakes and black pepper.

More information and nutritional facts on PureWow.

   

Only Finance Podcast

Visit the new Only Finance Podcast Site to catch up on the episodes.

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Please feel free to review link of our Privacy Policy, ADV 2A Brochure, Form ADV, Form CRS, and Podcast Link

And make sure you're getting your quarterly statements!

Want to review where you are in your financial checklist? Make an appointment with us today!

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Verus Financial is an SEC registered investment adviser. Information presented is for educational purposes only intended for a general audience.  The information does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and are not guaranteed.  Verus has reasonable belief that this marketing does not include any false or material misleading statements or omissions of facts regarding services, investment, or client experience. Verus has reasonable belief that the content as a whole will not cause an untrue or misleading implication regarding the adviser’s services, investments, or client experiences. Verus has presented information in a fair and balanced manner. Past performance of information presented should  not be relied upon without knowledge of certain circumstances of market events, nature and timing of the investments and relevant constraints of the investment. We may discuss and display charts, graphs, formulas and/or stock picks which are not intended to be used by themselves to determine which securities to buy or sell, or when to buy or sell them. Such charts and graphs offer limited information and should not be used on their own to make investment decisions. Consultation with a licensed financial professional is strongly suggested. Verus does not give tax, legal or accounting advice, consult a professional tax or legal representative if needed.  The opinions expressed herein are those of the firm and are subject to change without notice. The opinions referenced are as of the date of publication and are subject to change due to changes in the market or economic conditions and may not necessarily come to pass. Any opinions, projections, or forward-looking statements expressed herein are solely those of the author, may differ from the views or opinions expressed by other areas of the firm, and are only for general informational purposes as of the date indicated. Adviser believes that the content provided by third parties and/or linked content is reasonably reliable and does not contain untrue statements of material fact, or misleading information.  This content may be dated.

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November 2025 Insights Newsletter

We're highlighting the Empower Walk & 5K Run, fueled by Autism Speaks—a signature event dedicated to improving the lives of individuals with autism.This event has evolved to include both a community walk and an exciting 5K run, but its mission remains the same: to create a more inclusive world. Every dollar raised provides vital support and drives innovative solutions.

October 2025 Insights Newsletter

Each October, organizations across the United States observe National Cybersecurity Awareness Month (NCSAM), a campaign led by the Cybersecurity & Infrastructure Security Agency (CISA) and the National Cybersecurity Alliance (NCA). Since its launch in 2004, NCSAM has worked to highlight how everyone — individuals, businesses, and governments — has a role to play in keeping the digital world safe.

September 2025 Insights Newsletter

Verus Financial is excited to shine a charity spotlight on Ronald McDonald House Houston volunteer opportunities.

August 2025 Insights Newsletter

Verus Financial is excited to shine a charity spotlight on Avondale House during the month of August with a Save the Date for their Bingo Bash.

July 2025 Insights Newsletter

This month of July, Verus Financial Group is proud to support Autism Speaks, a leading organization dedicated to promoting understanding and acceptance of autism.

June 2025 Newsletter

June Insights - Ready for Summer!

May 2025 Newsletter

May 2025 Insights

April 2025 Newsletter

April 2025 Insights.

March 2025 Newsletter

March 2025 Newsletter

February 2025 Newsletter

February 2025 Newsletter

January 2025 Newsletter

January 2025's Newsletter

2023 Webinar Line Up

We at Verus are still continuing to host educational and interactive webinars throughout the year so you can learn from the comfort of your home! Click to see the webinar links!

Strength in Houses

The extended strength of the US housing market prompted households to withdraw $82 billion of home equity in Q1, the largest amount in 15 years. Going forward, refinancing will likely be subdued as the average mortgage borrower has already locked in an interest rate over 200 bps below current rates. We believe that record-high levels of untapped home equity may add to the sizable savings buffer that households hold.‍

Your 2022 Half-Year Planning Checklist

As 2022 draws to a half, it’s time to begin organizing your finances for the second half of the year. To help you get started, we’ve compiled together a list of key planning topics to consider. Your Verus Financial Advisor can help you rebalance, review and reset your course, if necessary, for this year and beyond.

Where are we now in the market?

The market appears to be caught in a traditional growth scare if there is anything that is scaring the markets right now it's not just happening in US it's happening broadly as well. The roller coaster continues so we're seeing yields higher, and stocks lower and why that is happening we're actually going through a period of transition where the stimulus you know the sugar rush from stimulus is wearing off.

Estate Planning 101

A good estate plan helps ensure the right people will receive the right property at the right time. When you die, your assets are subject to a number of expenses that can significantly reduce the size of your estate left to your heirs. Proper estate planning can minimize these expenses and determine how the costs that remain will be paid.

Using Taxes to Your Advantage

Tax planning is the analysis of a financial situation or plan from a tax perspective. It is the reduction of tax liability by the way of exemptions, deductions, and benefits. The purpose is to ensure tax efficiency. Tax planning includes making financial and business decisions to minimize the incidence of tax.

Protecting Your Greatest Asset

To put it in simple terms, disability insurance is insurance for your income. It allows you to protect your most valuable asset, your income, in the event you become too hurt or sick to work. There are two options: Short-term and long-term. Analyze your existing coverage to find the plan that best fits your lifestyle! It can be more affordable than you think and the benefit can be used for different things such as medical expenses, household expenses, or help with household tasks. Most people protect their home, car, phone, and identity so why not protect your income.

Protect Your Loved Ones With Life Insurance

If you were to die unexpectedly, would your spouse have enough money to cover funeral expenses and daily living expenses? Would there be enough money to pay for everything your family relies on you for, if you were suddenly not around? Would your family have to move and change their lifestyle if you were to die prematurely? If your spouse were to outlive you by 10 or 20 years or more, would they be able to make ends meet? Life insurance pays cash to your loved ones after you die, allowing them to remain financially secure.

College is Right Around the Corner

Why Start Planning Now? A child that is born now will face tuition costs that are three to four times higher than what they are now. It is never too early to start planning for your child's future. There are many ways to save for college. Some you might have heard before, some you might not have. This article easily sums up different college saving plans that you can potentially think about using.

The Basics of Investments

What is Investing? Investing is the act of committing money or capital to an endeavor with the expectation of obtaining an additional income or profit. Making your money work for you maximizes your earning potential whether or not you receive a raise, decide to work overtime, or look for a higher-paying job. There are many ways you can invest which include putting money into stocks, bonds, mutual, real estate, or starting your own business. It does not matter which method you choose for investing your money, the goal is always to put your money to work so it earns you an additional income.

Why You Should Keep Investing Even When Markets Are Down

As investors during a decline in the market, it is difficult to remember why we decided to take the risk of investing. In its best days and its worst days, the stock market draws the most attention, but there is one surefire way to keep trading worth your time: Stick it out for the good and the bad. If you plan for the long-term, don't panic. Instead, here are 3 reasons to keep investing, even in the worst of times.

What does Fed rate hike mean for the market?

The big news today is that Chairman Jerome Powell and the Federal Reserves announcing a 25 basis point hike in interest rates. Let's see how this could potentially affect the market. If we take a look back at historical data, the S&P 500 has averaged a 3.7% growth, 12-months following the first rate hike of each cycle from 1971 to 2004. 24 months after the first hike, it has seen an average of 16.3% growth and averaged 31.0% after 36 months.

August Market Summary

GLOBAL EQUITIES: Q2 earnings data kept Delta variant concerns at bay, initially reversing the S&P 500’s mid-week decline. However, despite US Q2 GDP posting above its pre-pandemic peak, it came in lower-than expected, leading the S&P 500 to end the week lower by -0.35%. Meanwhile, Chinese stocks saw significant volatility as investors grappled with Beijing’s tighter financial regulations. The MSCI China Index ended the week lower at -6.06%. In the UK, a drag in the mining sector and variant concerns left the FTSE 100 up only 0.10%.

Mega Roth IRA: What It Is And How It Can Work For You!

Roth IRAs have been a popular topic as of late. For a long time, it was an unspoken secret used by retirement planners. However, the IRS released guidance that specifically addressed both backdoors Roth IRA conversions, and the so-called Mega Roth IRA. As a result, it has gained even more traction and interest.

Where Will Your Equity Profile Be in a Year?

The market is disengaged from financial fundamentals and all reality. Remember December 2018when the market fell 20% (over three months) over a “potential” China trade war? And remember the big rally in 2019 – and you’re saying to yourself “If only I had bought back then!” Surprise! You're getting a second chance!

What can we do for you with our houston-based Financial services?

Explore the various services we employ to see how we can improve your money.

plan

Your plan is more than just money; it’s personalized for you. We are side-by-side with you every step of this process to guide and help you create a custom financial plan based on your specific goals.

Retire

Imagine a retirement plan tailored for you. Everyone has a different money situation. That’s why you deserve realistic and personalized retirement plan to support your future.

Invest

For what matters most in your future. Saving for your goals and redirect your money away from companies with harmful products, policies, and practices.

protect

You are the most important resource to the people who depend on you. Our plans  designed to help you protect your loved ones whether it’s a child, an aging parent, or even a business partner and find clarity in next steps

Business coaching

Businesses deserve the guidance of a professional who understands not only its needs, but also how the business can affect a person's personal financial situation and life goals.

Coaching

You are your most important resource. Our executive coaching is designed to help you reinvent your career, create balance at work, and find clarity in next steps.