As 2025 comes to a close, we want to thank you for trusting us with your financial journey. This month’s newsletter brings important updates, including an exciting new service we’re now offering, as well as insights on interest rates and what the economic landscape could mean for 2026.
1. Big News: We’re Now Offering Insurance Services to Save you Money.
For years, we’ve helped clients optimize their mortgages, retirement plans, and long-term financial strategies. But one recurring issue kept appearing: our clients were consistently overpaying for insurance—often by hundreds or even thousands of dollars per year.
After reviewing countless policies and watching retirees struggle with rising premiums on home insurance, auto insurance, and health coverage, we realized something needed to change.
Why We Decided to Get Licensed
To better protect our clients financially, we took the step of getting properly licensed to offer insurance services directly. This decision was motivated by:
- Skyrocketing premiums, especially for homeowners
- Confusing coverage options that left many people paying for things they didn’t need
- Lack of transparent guidance from large insurance carriers
- Retirees on fixed incomes needing better, more personalized options
We now offer independent, unbiased insurance solutions, allowing us to compare multiple carriers and find cost-effective, appropriately structured coverage that aligns with your financial goals.
What Types of Insurance We Now Offer
We’re excited to help you review or secure:
- Homeowners Insurance – Ensure you’re protected without overpaying
- Auto Insurance – Evaluate coverage and reduce unnecessary costs
- Health Insurance Guidance – Options that better support your retirement budget
- Bundled Policies – Save more by combining home, auto, and additional coverage
Our goal is simple: deliver high-quality insurance options without the unnecessary expenses.
Want a Free Insurance Review?We’re offering complimentary insurance reviews for all clients and subscribers. If you’d like us to check whether you’re overpaying—or explore better coverage options—contact us anytime.
2. Interest Rates Remain Level, But Economic Weakness Could Bring Rates down in 2026
The past three years have held persistently high interest rates due to high inflation. And although Inflation has moderated and the Fed has lowered the Fed funds Rate 5 times real interest rates continue to be high on things like Mortgages, Cars and Credit Cards. Although for most of us the economy feels weak the Fed is convinced we are experiencing the Roaring 20s all over again. Let’s just hope they wake up before the 2020’s end up like the 1920s. We’re seeing clear signs of economic softening that may influence rate cuts in the months ahead.
Key Economic Indicators to Watch
Several areas of the economy are showing persistent weakness:
- Softening Employment Numbers
Job growth continues but at a slower pace, and furthermore, wage growth has cooled. Historically, weakening employment has been one of the strongest indicators of future rate reductions. - Slower Consumer Spending
High prices and elevated credit costs are causing households to pull back, and as a result, we’re seeing softer spending. - Real Estate Pressure
Mortgage demand remains low due to high rates, pressuring housing markets in several regions. - Business Investment Declines
Many companies are delaying expansion plans or cutting back on spending.
What This Means for Interest Rates in 2026
Most economists currently expect the Federal Reserve to begin easing rates sometime in 2026 if the current economic softness continues. Lower rates would provide relief in several areas:
- Refinancing opportunities for homeowners
- Increased affordability for those planning to buy a home
- Better borrowing conditions for retirees managing medical expenses, home repairs, or debt
- Overall improvement in financial flexibility
It’s too early to make concrete predictions, but the trend is clear:
If the economy continues showing signs of weakness, 2026 could finally bring lower interest rates.
If you’d like us to evaluate whether waiting or acting now makes the most sense for your financial plan, we’re here to help.
3. Our Warmest Wishes for a Merry Christmas and a Joyful Holiday Season
As we wrap up another year, we want to extend our heartfelt appreciation to you. Working with clients like you is the reason we’re committed to continually improving our services and offering more ways to help you secure and protect your financial future.
This season, we hope you’re surrounded by:
- Peace
- Family
- Comfort
- Good health
- And holiday joy
From our entire team to you and your loved ones:
Merry Christmas, Happy Holidays, and a wonderful New Year ahead.
If you or someone you love has any questions regarding mortgages, interest rates, or insurance policies. Please reach out and let us know how we can help.
President – Reverse Mortgage Specialist
Heritage Reverse Mortgage
435-359-9000
Heritage NMLS #1497455 Trevor’s NMLS #: 267962
1060 South Main Street Bldg. A Suite 101B
St George Utah 84770