February 2025 Newsletter

March 13, 2025

Mark your Calendar

  • February 2  - Groundhog Day
  • February 14 - Valentine's Day
  • February 17 - President's Day - Federal Holiday
  • February 23 - World Understanding & Peace Day
  • Feb 14-20 - Random Acts of Kindness Week

Charity of the Month

Verus Financial is excited to shine a charity spotlight on Avondale House during the month of February.

   

Avondale House provides individuals with autism the resources, education and training to develop to their fullest potential. Avondale House is the only agency in greater Houston that serves individuals living with moderate to severe autism from the age of 5 to throughout their lifetime. They do this through a variety of services, including a year-round school, adult day program, supported employment program, and family-oriented group homes.

Learn More!

   

The Future of Philanthropy in 2025

As we look toward 2025, philanthropy is poised to undergo significant transformation, shaped by emerging trends and shifting societal needs. Key focus areas include increased emphasis on collaboration between donors and nonprofits, where transparency and measurable impact take center stage. Additionally, technology continues to redefine how organizations engage supporters, leveraging data-driven insights and digital platforms to amplify outreach and effectiveness.

Sustainability and equity are also pivotal themes. Donors are aligning with causes that address climate change and social justice, reflecting a growing commitment to long-term systemic change. This evolution offers exciting opportunities for nonprofits to innovate and align with these priorities, ensuring their missions remain relevant and impactful.

For more on philanthropy’s future, visit Orr Group’s article.

   

   

Keep Your Goals Alive in February

February can be a challenging time to stay committed to New Year’s goals, but it’s the perfect opportunity to refresh your motivation. Start by reviewing your progress and celebrating small victories to remind yourself of how far you’ve come. Break your goals into smaller, actionable steps and focus on consistency rather than perfection.

Revisit your “why” for each goal—whether it’s improved health, career growth, or personal development—and allow that purpose to fuel your commitment. Remember, progress is a journey, and staying flexible is key to long-term success!

Keep your motivation strong by tracking successes, no matter how small. Celebrate these wins to build momentum. If you encounter setbacks, don’t be discouraged—use them as learning experiences and refine your approach. Adding an accountability partner or joining a supportive community can also keep you engaged and inspired.

Lastly, remember to prioritize self-care. Adequate rest, exercise, and mindfulness are crucial for sustaining long-term goals. February is the perfect time to recommit and build habits that will carry you forward throughout the year!

   

Marry Me Chicken

Prep Time: 10 minutes

Total Time: 40 min

Serving: 4 servings

Ingredients

  • 3 Tbsp. extra-virgin olive oil, divided
  • 4 (8-oz.) boneless, skinless chicken breasts
  • Kosher salt
  • Freshly ground black pepper
  • 2 cloves garlic, finely chopped
  • 1 Tbsp. fresh thyme leaves
  • 1 tsp. crushed red pepper flakes
  • 3/4 cup low-sodium chicken broth
  • 1/2 cup chopped sun-dried tomatoes
  • 1/2 cup heavy cream
  • 1/4 cup finely grated Parmesan
  • Torn fresh basil, for serving

Directions

  1. Preheat oven to 375°. In a large ovenproof skillet over medium-high heat, heat 1 tablespoon oil. Generously season chicken with salt and black pepper and cook, turning halfway through, until golden brown, about 5 minutes per side. Transfer chicken to a plate.
  2. In same skillet over medium heat, heat remaining 2 tablespoons oil. Stir in garlic, thyme, and red pepper flakes. Cook, stirring, until fragrant, about 1 minute. Stir in broth, tomatoes, cream, and Parmesan; season with salt. Bring to a simmer, then return chicken and any accumulated juices to skillet.
  3. Transfer skillet to oven. Bake chicken until cooked through and juices run clear when chicken is pierced with a knife, 10 to 12 minutes.
  4. Arrange chicken on a platter. Spoon sauce over. Top with basil.

Nutrition Facts

530 calories, 773 mg sodium, 6g carbohydrate (4g sugars, 1g fiber), 57g protein.

More information on Marry Me Chicken and nutritional facts: Delish

   

Wellness Travel Trends for 2025

The landscape of travel in 2025 is shaped by a growing emphasis on wellness, blending personal health and adventure. Travelers are prioritizing experiences that nourish the mind, body, and soul, from serene escapes to eco-conscious adventures. Wellness tourism now focuses on personalized retreats, digital detox destinations, and immersive cultural experiences, catering to those seeking rejuvenation and balance.

  • Personalized Wellness Retreats: Tailored programs addressing fitness, mental health, and relaxation are rising in popularity.
  • Digital Detox Destinations: Tech-free escapes allow travelers to unplug and reconnect with nature.
  • Eco-Conscious Travel: Sustainable practices are at the forefront, with green accommodations and experiences.
  • Mental Health Focus: Practices like sound therapy and mindfulness workshops are booming.
  • Immersive Cultural Wellness: Travelers seek connections with traditions promoting holistic health.
  • As sustainability becomes central, green practices and eco-lodges are booming, alongside mental health retreats offering mindfulness and sound therapy. These trends show that wellness is no longer an afterthought—it's the heart of modern travel.

    • To dive deeper, visit Condé Nast Traveler

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    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!

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    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.

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

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    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

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