June 2025 Newsletter

June 13, 2025
https://campaign-image.com/zohocampaigns/567368000003899001_1604590981169_nov.2.jpg

Mark your Calendar

  • June 2  - Leave the Office Early Day
  • June 14 - World blood donor day
  • June 15 - Father's Day
  • June 19 - Juneteenth - Federal Holiday
  • June 19 - Movie Night - How to Train Your Dragon Live Action
  • June 26 - National Work From Home Day
https://zohopublic.com/zohocampaigns/567368000015400001_1681224463340_4ce8285c5dcf9e85b583d172d.png

Charity of the Month

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

   

Give Back with Ronald McDonald House Houston ❤️

Looking for a meaningful way to support families in need? Ronald McDonald House Houston offers volunteer opportunities for individuals, groups, and workplace teams. Whether you’re preparing meals, organizing donation drives, or hosting activities for families, there’s a way for everyone to get involved.

Learn how you can make a difference: rmhchouston.org/get-involved

Together, we can help provide comfort, care, and community when it’s needed most.

Learn More!

   

https://stratus.campaign-image.com/images/567368000021646001_zc_v1_1745962718138_screenshot_2025_04_29_163722.jpg

10 Fun Ways to Celebrate Father’s Day

Looking for ways to make this Father’s Day extra special? Here are 10 thoughtful and fun ideas to celebrate Dad and show him just how appreciated

he is.

1️⃣ Go on a DIY Food Tour

Map out Dad’s favorite restaurants, bakeries, or food trucks and spend the day sampling his top picks together.

2️⃣ Host a Backyard Dinner Party

Invite his friends and family over for a casual dinner with his favorite dishes, good conversation, and maybe a toast in his honor.

3️⃣ Create a Family Photo Collage

Print out cherished family photos and put together a heartfelt collage. Include some childhood photos for a nostalgic touch.

4️⃣ Take Him to a Comedy Show

If Dad loves to laugh, surprise him with tickets to a local comedy show for a night of fun.

5️⃣ Have a Family Video Game Tournament

If Dad’s a gamer, set up a friendly family tournament and let him pick the games (and maybe even win a few rounds).

6️⃣ Play a Game of Pickleball

Join the pickleball craze with a family match — perfect for competitive and active dads alike.

7️⃣ Sign Up for a Creative Class Together

Whether it’s woodworking, leathercrafting, or cooking, a one-day workshop creates memories and gives Dad a handmade keepsake.

8️⃣ Give Him Solo Time

Sometimes the best gift is a little peace and quiet. Let Dad sleep in or enjoy a few hours of uninterrupted downtime.

9️⃣ Plan a Scenic Road Trip

Hop in the car, blast his favorite playlist, and take a drive to a favorite beach, park, or roadside diner.

🔟 Bake His Favorite Dessert

Whether it’s brownies, pie, or cookies, surprise him with a homemade sweet treat crafted with love.

Make this Father’s Day all about what makes him happy — whether that’s adventure, family time, or a little relaxation. Find more ideas via link.

Source: Good Housekeeping: 61 Best Father's Day Activities

   

https://stratus.campaign-image.com/images/567368000021916260_3_1747670307785_investments.jpg

Retirement Planning: How Much Do You Really Need?

Have you ever caught yourself wondering “How much money will I actually need to retire comfortably?” You’re not alone — and the truth is, the answer isn’t one-size-fits-all. It depends on your lifestyle, goals, health, and financial habits. But what we do know is this: the earlier and more intentionally you plan, the better your options will be.

Here are a few key things to consider when thinking about your retirement plan:

📌 Important Retirement Planning Questions:

  • What age do I hope to retire?
    Your target retirement age will shape your savings strategy and investment choices.
  • What will my living expenses look like in retirement?
    Consider housing, travel, healthcare, hobbies, and other personal goals.
  • Do I have a plan for rising healthcare costs?
    Medical expenses often increase as we age — and they can be one of the biggest retirement costs.
  • Am I taking full advantage of tax-advantaged accounts?
    Think 401(k)s, IRAs, Roth IRAs, and HSAs — and whether your savings strategy is tax-efficient.
  • Is my investment portfolio aligned with my retirement timeline?
    Your risk tolerance and asset mix should evolve as you get closer to retirement.
  • Have I accounted for inflation and longer life expectancy?
    Today’s retirees are living longer — which means your money needs to last longer too.

📣 Don’t leave your retirement future to guesswork.
At Verus Financial Group, we help clients design retirement strategies built around their real lives, goals, and priorities.

📲 Contact us today to schedule a consultation or a complimentary review of your current retirement plan. Let’s make sure you’re on the right track.

Visit  verusfinancial.us to book your review.

Your future self will thank you.

   

https://stratus.campaign-image.com/images/567368000021109173_zc_v1_1736526852504_screenshot_2025_01_10_103327.png

🎉Plan a Memorable Summer Party in 6 Easy Steps

Body Text:

Summer is the perfect season for gathering with friends and family to celebrate the sunshine, fresh flavors, and good company. Whether it’s a casual backyard cookout or a themed evening under the stars, a little planning goes a long way in creating an event to remember.

Here’s a simple step-by-step guide to help you plan your next summer gathering:

🎨 1. Choose a Fun Theme

A theme adds personality to your party and makes it easier to plan décor, food, and entertainment.
Ideas include:

  • Tropical Luau
  • Classic Backyard BBQ
  • Sunset Movie Night
  • Poolside Bash
  • Garden Picnic

🍽️ 2. Plan a Fresh, Crowd-Pleasing Menu

Keep it seasonal and easy to prep ahead:

  • Grilled favorites: burgers, kabobs, or veggie skewers
  • Light, colorful sides: pasta salad, watermelon-feta, or corn on the cob
  • Signature summer drinks or a mocktail station
  • Sweet treats: popsicles, s’mores, or an ice cream sundae bar

🎶 3. Set the Atmosphere

Create a relaxed, welcoming setting with:

  • String lights or lanterns for evening gatherings
  • Comfy seating: lawn chairs, picnic blankets, and cushions
  • Fresh flowers, fun tableware, and a dedicated drink station

🪑 4. Plan Activities for All Ages

Keep the fun going with:

  • Lawn games: cornhole, giant Jenga, ring toss
  • Water games: sprinklers or a splash zone for kids
  • Outdoor movie setup or a summer playlist
  • A photo booth with themed props

📅 5. Send Invites & Track RSVPs

Give guests plenty of notice and include key details:
Date, time, location, theme, what to bring, and RSVP info. Digital invites work great for casual summer get-togethers.

🌦️ 6. Have a Backup Plan

If you’re hosting outdoors, be prepared for unexpected weather with shaded areas, tents, or an easy move indoors.

Make This Summer One to Remember!
At Verus Financial Group, we believe in celebrating life’s everyday moments — and we’re always here to help you plan for the future while enjoying the present.

Wishing you a joyful, sunshine-filled season!

Resource: Good Housekeeping: 61+ Best Summer Party Ideas

   

Beer-and-Bacon Toffee Sundaes

https://zohopublic.com/zohocampaigns/567368000015400001_1680106602612_pajtt4uz0c0.jpeg

Prep Time: 9 minutes

Total Time: 25 minutes

Serving: 8 servings

Ingredients

  • 1/2 cup diced bacon (about 4 slices)
  • 1 cup packed light brown sugar
  • 1/2 cup light corn syrup
  • 1/2 cup stout beer
  • 4 tablespoons unsalted butter
  • 1/2 cup heavy cream Kosher salt and freshly ground pepper
  • 2 pints good-quality vanilla ice cream  
  • 1 cup pecans, toasted and chopped  
  • Sea salt, for sprinkling

Directions

  1. Put the bacon in a medium saucepan over medium heat and cook, stirring, until very crisp, about 10 minutes. Remove with a slotted spoon and drain on paper towels, reserving the fat in the pan.
  2. Add the brown sugar, corn syrup, beer, butter, heavy cream and a pinch each of kosher salt and pepper to the pan. Bring to a boil, then reduce the heat to medium low and simmer until slightly thickened, 6 to 8 minutes. Transfer to a bowl and refrigerate until ready to serve.  
  3. Scoop the ice cream into bowls and spoon the toffee sauce on top. Garnish with the crispy bacon bits, toasted pecans and sea salt.

More information and food substitutions, visit Food Network

   

Summer Destinations for 2025

https://campaign-image.com/zohocampaigns/567368000012077001_1_1661965291729_zc-noimage.png

✈️ Where to Travel This June — And Why You’ll Love It!

Summer’s here, and if you’ve been craving an adventure, June is the perfect time to pack your bags and explore! From sun-soaked coasts to lively city streets, here are some of the best destinations to consider this month and why they’re worth the trip:

Ireland

Long, sunny days (sunrise at 5 AM, sunset at 10 PM!) make June ideal for exploring the Emerald Isle. Stroll the historic streets of Dublin, take in the dramatic Cliffs of Moher, or kiss the famous Blarney Stone. With over 30,000 castles and warm pub culture, it’s a magical destination for culture and scenery lovers alike.

Morocco

For sun, spice, and ancient charm, Morocco is unbeatable in June. Enjoy warm, dry weather as you wander through vibrant souks in Marrakesh, marvel at ancient Roman ruins, or venture to the Atlas Mountains. Bonus: coastal retreats like Essaouira offer refreshing sea breezes and stunning sunsets.

Poland

It’s strawberry season in Poland! Enjoy the freshest local treats while exploring medieval towns like Kraków and Warsaw. June offers mild weather for hiking the Carpathian Mountains or visiting historic sites like Malbork Castle and poignant WWII memorials.

Eastern Canada

Quebec City, Montreal, and Ottawa are bursting with life in June. Experience European charm closer to home while enjoying sunny strolls, scenic river views, and lively local festivals. And don’t miss a boat ride at Niagara Falls!

Machu Picchu & Cusco, Peru

June is the best time to visit Machu Picchu: clear skies, stargazing, and minimal rain. In Cusco, colorful festivals fill the streets, including the famous Inti Raymi (Festival of the Sun). Just be sure to book early — it’s a popular season for good reason!

Yellowstone National Park, USA

With its iconic geysers, wildlife in full view, and fewer crowds than peak summer, Yellowstone shines in June. Watch bison roam, catch a glimpse of grizzlies, and witness Old Faithful in action, all against a backdrop of blooming wildflowers.

Wherever you go this June, make it unforgettable!
And remember — at Verus Financial Group, we’re always here to help plan your financial future so you can focus on planning your next adventure.
https://www.insightvacations.com/blog/best-places-to-visit-in-june/

   

https://stratus.campaign-image.com/images/567368000021646001_zc_v1_1746128335359_cover.jpg

Visit the OnlyFinance Podcast with guest Shannen Tune, Winner of the Food Network Chopped in 2016. From launching his own businesses to planning his next big move, Shannen Tune shares the real behind-the-scenes.

Only Finance Podcast

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!

Click Here to Schedule an Appointment!

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 presentedshould  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.

back To Blog archive

explore our financial info resources

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.