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Blog

Rosa Duenas | Feb 8, 2026

Why Patience Beats Perfection: The Long-Term Investor's Guide to Market Timing

Finance
Investments

Over the course of your investing life, you’ll encounter market lows and highs. Headlines often spotlight the extremes, especially when markets reach record

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Rosa Duenas | Feb 1, 2026

Tax Planning vs. Tax Preparation: They're Not the Same Thing

Tax Planning
Retirement
Finance

Many people think about taxes once a year — when April rolls around and it's time to file.

By then, the year is already in the rearview mirror. The decisions

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Rosa Duenas | Jan 25, 2026

Why Your Brain Sabotages Your Investment Plan (No Matter What the Market Does)

Investments
Finance
Savings
Risk Management

The Dow crosses 45,000. Your brain whispers: "This has to be the top."

The market drops 15%. Your brain screams: "Get out before it gets worse!"

Different

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Rosa Duenas | Jan 18, 2026

Overlooked Retirement Expenses (And How to Plan for Them)

Retirement
Finance
Health
Tax Planning
Family
Real Estate

A comfortable retirement doesn’t come with a fixed price tag.

Expenses can change over time, and some of the most important ones are easy to overlook.

That’s one

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Rosa Duenas | Jan 11, 2026

5 Financial Crossroads That Could Reshape Your Future

Finance
Retirement
Family
Tax Planning
Risk Management

You know how life tends to throw in a few plot twists?

They don't ask if you're ready. They just show up—with potential financial consequences tagging along.

A

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Rosa Duenas | Jan 4, 2026

Rethinking Retirement: Why True Wealth Is More Than Money

Retirement
Lifestyle
Health
Family

You’ve mapped out your dream retirement. Maybe it’s a cozy beach town, golf twice a week, time with family, or finally starting that side project.

But here’s the

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Rosa Duenas | Dec 28, 2025

What Recent Inflation Signals Mean for Financial Planning

Finance
Savings
Investments
Retirement
Tax Planning
Credit
Risk Management

Inflation has been the boogeyman of the economy for months.

Sticky prices. Rising gas costs. A looming rate hike.

The latest report provided useful data for

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Rosa Duenas | Dec 21, 2025

One Economy, Two Realities: Understanding Today's Economic Divide

Finance
Investments
Savings
Credit
Risk Management
Retirement

It’s possible for one economy to tell two different stories. One of growth, opportunity, and abundance. Another of constraint, anxiety, and scarcity.

This isn't

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Rosa Duenas | Dec 14, 2025

What 2025 Taught Us About Staying the Course

Investments
Finance
Risk Management
Retirement

Some years pass quietly. 2025 wasn't one of them.

Between market swings, geopolitical shocks, and a news cycle that never seemed to pause, this year tested

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Raymond Duenas

Investment Advisor Representative with United Planners

Ready to Discuss Your Financial Needs?

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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