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If you watched the events of September 11, 2001, on television, you can probably remember exactly where you were when you heard the news. You can probably remember what you thought and what you felt. And you can probably explain to anyone why that day matters and what it means to you. But what about those who didn’t watch? As strange as it may sound, there are millions of Americans who have no memory of that awful day. Maybe they were too young. Maybe they weren’t born yet. What does September 11 mean to them? Recently, a colleague of mine shared an essay that his young adult daughter had written about September 11. She is one of the many who do not remember a “before.” She has only known an “after.” So, her perspective is different from mine, and from all those who are older. But a different perspective is a valuable thing, because it helps us better appreciate things we may have come to take for granted. I was very moved by her words. So, to honor all those who suffered or sacrificed on that day, I’d like to share them with you. I think it’s a wonderful message about why remembering September 11 gives us a greater appreciation, and deeper understanding, of what truly matters. The first time I remember hearing the word 9/11, I was six years old. It was the ten-year anniversary of the event that changed the US forever. It wasn’t until a few years later that I really understood what 9/11 was. A lot of the time, there were two words attached to 9/11 that adults in my life used. The “Before” and the “After.” I grew up not knowing the “before” they were talking about, because this was just the way things were. But growing up in the “after” means there are a few words I’ve come to understand better as I’ve learned more about 9/11. First, is the word Sacrifice. Sacrifice is not born from obligation; it comes from men and women who see a need and choose to fill it, even at the cost of their own lives. In the tragedy of 9/11, we saw heroes step forward. Hundreds of firefighters, police officers, and paramedics, to be exact. They all made the choice to go into the buildings to save any lives they could. Sacrifice changes the world in ways that we might not see, but I will be forever grateful to people I’ve never had the pleasure of meeting for what they did. There’s a quote by the author David Levithan about sacrifice and our connection to it: “What separates us from the animals, what separates us from the chaos, is our ability to mourn people we’ve never met.” Second, is the word Freedom. In the words of Franklin D Roosevelt, “In the truest sense, freedom cannot be bestowed; it must be achieved.” That Freedom was achieved for the first time in 1783, but it has been fought for again and again by America and it will continue to be fought for. In the wake of the September 11th attacks, the mayor of New York City at the time of the attacks said this: “The attacks of September 11th were intended to break our spirit. Instead, we have emerged stronger and more unified. We feel renewed devotion to the principles of political, economic and religious freedom, the rule of law and respect for human life. We are more determined than ever to live our lives in freedom.” Third, is Hope. I absolutely adore words, so I went and looked at all the versions of Hope in several languages and dictionaries, and I think I’ve come up with my own definition. Hope is not an abandoned dream we outgrew; it is not a broken system and ignorance combined, it is not naïve, stupid, nor simple. Hope is not easy. Hope is the ability to get back up again, hold onto something impossible, and face odds beyond reason still standing tall. Throughout American history, Hope has always prevailed. At the beginning, the odds of gaining Freedom from Britain were not in our favor. Winning the Revolutionary War was almost laughable. Surviving as a country for 250 years with the same constitution it was founded on was unheard of. Recovering from terrorist attacks, world wars and tragedies beyond number should not be possible. Hope is the foundation of America, and it will continue to be a foundation we build on. Because so long as we Hope, no matter the next tragedy we face, we will not only survive but become stronger. Between Sacrifice, Freedom, and Hope, our country will continue to get back up in the face of tragedy. United we stand, forever indivisible with Liberty and Justice for all. I hope you have a safe and peaceful National Day of Service and Remembrance (yes, that is the full name because words are important). Thank you to all of the men and women who Sacrificed for us to observe it today. I hope you have a safe and peaceful day, too. May we never forget.

Start year-end tax planning now to review income, gains and losses, retirement distributions, charitable giving, and tax payments—and prepare for 2027.

As you prepare for retirement, it's important to review your options—from Medicare to long-term care insurance—to ensure you're ready to cover your healthcare costs and needs. Read this article to learn more.

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Trump Accounts are a historic new savings tool created under the One Big Beautiful Bill to offer the next generation a jump start on saving. Here’s how they work.

Weekly Insights 3/30/2026 - Stocks See Troubles Brewing Click the link below for Brian Wesbury's latest commentary. https://www.ftportfolios.com/Commentary/EconomicResearch/2026/3/30/stocks-see-troubles-brewing

Weekly Insights 3/23/2026 - It's a Topsy Turvy World Click the link below for Brian Wesbury's latest commentary. https://www.ftportfolios.com/Commentary/EconomicResearch/2026/3/23/its-a-topsy-turvy-world

Success looks different for everyone—but it usually starts with the same thing: a plan. If you’re ready for more clarity, more confidence, and more purpose—let’s #PlanforMore. For more information, visit: https://www.janney.com/campaigns/plan-for-more

Women often face unique and complex circumstances when it comes to finance and investing. Here’s how to navigate them and take control of your financial future.

Did you know that repositioning some of your investments may be a tax-efficient way to leave a larger financial legacy?

What if you could test-drive your financial future? Play Zone®️ is a powerful, interactive tool that helps you explore different financial scenarios and instantly see how they affect your plan’s success. Start exploring today—log in to your Online Access to get started!

https://www.ftportfolios.com/Commentary/EconomicResearch/2025/11/3/capitalism-vs-socialism

The One Big Beautiful Bill Act both preserves existing tax benefits and introduces provisions that may encourage you to rethink the timing and method of your gifts.

Register now for our next PlanWise webinar, The Guide to Retirement: Understanding Employee Planning Decisions, featuring Sharon Carson, Executive Director at J.P. Morgan. Learn key strategies around deferral momentum, retirement paycheck planning, and Social Security choices. You won’t want to miss this! Click the link below to register now.

Despite the government shutdown, our Investment Strategy Group maintains a constructive outlook on the economy and markets, encouraging investors to stay focused on long-term goals. Click the link to read the latest report.

Our Investment Strategy Group discusses key takeaways from the latest Federal Reserve meeting and what it means for investors.

As the end of 2025 approaches, it’s a good time to implement strategic tax planning to minimize your tax liability, maximize savings, and get on track for 2026.

What if you could view all your finances in one simple snapshot? With My Net Worth, easily combine your accounts to plan smarter and move forward with confidence. Discover the potential of your financial life, today!