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Blog

Rosa Duenas | Nov 8, 2026

Tax Season Has Two Dates. Many People Only Show Up for One.

Tax Planning
Retirement
Finance
Savings

Ask people when “tax season” is, and many will say spring.

That’s when the documents get gathered, the appointment gets booked, and the return gets filed. It’s

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Rosa Duenas | Nov 1, 2026

Financial Impersonation Scams: What to Watch For

Privacy
Risk Management
Finance
Savings
Family

Many people picture a scam as something obviously off: a strange email, a robotic voice, a too-good-to-be-true offer.

The more dangerous version sounds like

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Rosa Duenas | Oct 25, 2026

How to Overcome 3 Unconscious Biases That Can Keep Your Financial Goals Out of Reach

Investments
Finance
Lifestyle

In a perfect world, every money decision we make would be totally rational.

We’d consider all of the facts. Then, we’d balance them with the risks to make the

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Rosa Duenas | Oct 18, 2026

Retirement nearing? Do these 5 things first.

Retirement
Family
Savings
Lifestyle
Tax Planning
What’s your ideal retirement? Traveling? Practicing your favorite hobbies? Caring for loved ones? Whatever you envision, creating a plan of action can feel
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Rosa Duenas | Oct 11, 2026

Six Estate Planning Assumptions Worth a Second Look

Estate Planning
Family
Insurance
Retirement
Tax Planning

It's easy to set estate planning aside once you've done a version of it. You sign the paperwork. You name a beneficiary. You mentally close the file.

The only

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Rosa Duenas | Oct 4, 2026

4 Financial Mistakes to Avoid this Spring

Savings
Retirement
Tax Planning
Insurance
Credit
Lifestyle
Spring isn’t just about budding plants, changing the clocks, or paying your tax bill. It can be the perfect time to refresh financial tasks and dust off your
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Rosa Duenas | Sep 27, 2026

5 Signs You’re Headed for a “Cushy” Retirement

Retirement
How much do you need to retire wealthy? Believe it or not, there’s no set number for anyone. Lifestyle and the quality of your retirement plan are certainly
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Rosa Duenas | Sep 20, 2026

Retirement Isn't Just About How Much You Save. It's About When.

Retirement
Risk Management
Investments
Finance
Savings

You can do everything right on paper — save diligently, spend reasonably, stay invested for the long haul — and still land in a very different retirement than

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Rosa Duenas | Sep 13, 2026

More Than a Number: The Four Risks That Shape Your Retirement

Retirement
Risk Management
Health
Investments
Finance

Many people can tell you their portfolio balance. Far fewer can tell you what else determines whether their retirement actually works.

That's understandable. The

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Rosa Duenas | Sep 6, 2026

Mastering Stormy Waters: Smart Strategies for Healthcare Costs in Retirement

Finance
Lifestyle
Retirement
Health
With healthcare costs often resembling an unpredictable market, and long-term care expenses looming, the post-work years require careful financial planning
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Rosa Duenas | Aug 30, 2026

Permission to Spend in Retirement: A Skill Rarely Taught

Retirement
Lifestyle
Finance
Savings
Family

For decades, you trained one financial muscle: save, invest, don't touch it. Then retirement arrives and asks you to do the opposite.

Nobody teaches that part

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Rosa Duenas | Aug 23, 2026

Longevity in Retirement & What You Should Know

Investments
Retirement
Finance
Savings

How many years will your retirement last?

What are the chances you’ll live past 90?

Most of us answer those questions wrong because we don’t have strong longe

Read More

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Raymond Duenas

Investment Advisor Representative with United Planners

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We’re committed to providing the guidance you need. Contact us to get your questions answered and take the next step.

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Contact

Phone: 407-780-8826
Fax: 407-270-1978

Office Location  

213 South Dillard St. Suite 120 
Winter Garden, FL  34787

Legal, privacy, copyright and trademark information

Ray Duenas is an Investment Advisor Representative Offering Securities and Advisory Services through United Planners Financial Services, Member: FINRA/SIPC. Stewardship America Financial and United Planners are independent companies and not affiliated.

Ray Duenas is registered to conduct securities business in AZ, CA, CO, FL, GA, ID, KY, MA, MD, ME, MI, MN, NC, NM, NJ, NY, OH, OK, PA, SC, TN, TX, VA, and WA. This communication is strictly intended for individuals residing in the states listed. No offers may be made or accepted from outside the specific states referenced.
Insurance-related services may not be provided to individuals residing in any states other than AZ, CA, CO, FL, GA, KY, MD, ME, MI, MN, NC, NM, NJ, NY, PA, SC, TN, TX, VA, WA and WI.

A broker-dealer, investment advisor, BD agent, or IA representative may only transact business in a state if first registered appropriately. Follow-up or individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements.

Links are provided for informational purposes only and should not be viewed as an endorsement, sponsorship, solicitation or other affiliation with respect to any third parties or their content. When you link to any of the web sites provided here, you are leaving this web site. We make no representation as to the completeness or accuracy of information provided at these web sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to, or your use of third-party technologies, websites, information and programs made available through this web site. When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for your use of the web sites you are linking to.

The content herein is developed from sources believed to provide accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Advisor Websites to provide information on a topic that may be of interest. Advisor Websites is not affiliated with the named representative, broker-dealer, state-or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security.
 

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