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October 13, 2025

Why Did the Federal Government Shut Down?
Federal Government Has Shutdown – Here’s What It Means for You
At 12:01 a.m. on October 1, 2025, the federal government officially shut down many of its operations – marking the 15th shutdown since 1980.
Why it happened:
Congress didn’t pass any of the 12 funding (appropriations) bills needed to keep federal agencies running. A short-term fix – known as a continuing resolution – failed to gain enough bipartisan support, leading to the lapse in funding.
What’s affected:
- Many federal workers are furloughed or working without pay.
- Social Security, Medicare, and mail delivery continue.
- Some federal services – including tax processing, small business loans, and inspections – could experience slowdowns or pauses.
- Air travel and national park operations may also be impacted.
Economic outlook:
While brief shutdowns typically have limited market impact, prolonged ones can slow GDP growth and increase uncertainty. (The 2018-19 shutdown, for example, cost the U.S. economy about $11 billion.)
What this means for investors and households:
Moments like this highlight why financial preparedness matters – having a sound plan helps protect against uncertainty, regardless of what’s happening in Washington.
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Research & Insights
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2025 Tax Reform: A Look at Key Changes for Individuals and Families
On July 4, 2025, new tax rules were signed into law under the 2025 Reconciliation Legislation known as the One Big Beautiful Bill Act (OBBBA). OBBBA introduces significant changes to the tax code that will impact how you file your 2025 tax returns—and returns for years to come.

2025 Tax Reform: A Look at Key Changes for Businesses
On July 4, 2025, new tax rules were signed into law under the 2025 Reconciliation Legislation known as the One Big Beautiful Bill Act (OBBBA). OBBBA introduced significant changes to the tax code that may impact taxes for you or your business. How will you prepare?

September Investment Perspectives
In this issue, we explore the possibilities for European equities, inflation dynamics, and September’s cautionary market tone.