August
– NEWSLETTER –
2025
Market Commentary
Week in Review
Markets closed the week on a turbulent note as investors digested a series of revised labor market reports and inflation data that painted a mixed picture of the U.S. economy. Labor Market: Signs of Softening Amid Conflicting Signals, Inflation: Mixed Signals but Lower Expectations, and Other Economic Highlights.
Travel Tips
River Cruising – What to Know
Whether you’re an avid ocean cruiser or you stick to vacations on land, you might be curious about booking a river cruise. This type of on-the-water journey is decidedly unique, with several appealing aspects that differentiate it from an ocean voyage.
For one thing, vessels are generally smaller, meaning that passengers generally top out in the hundreds rather than the thousands. That translates to a more intimate experience, with a high staff-to-guest ratio and immersive small-group excursions that allow you to delve into a region’s culture. In some ways (and in a good way), river cruises are like floating bus tours.
However, you might discover some drawbacks compared to ocean cruises. Ships’ smaller sizes mean that dining options and onboard activities are limited. Overly high or low water levels can make rivers impassable, so last-minute itinerary changes are always possible.
Still, travelers who find gigantic ocean ships daunting, don’t enjoy elbowing their way through crowds or wish to experience something new might enjoy a river cruise. Cruise lines are capitalizing on this interest and drawing in passengers with new ships and itineraries.
Here’s what to know before you book and sail on a river cruise, including what to expect on board and ashore.
DID YOU KNOW?
River cruises are known for calm waters—no seasickness! You can cruise through vineyards in France, castles in Germany, or temples in Southeast Asia. River cruises generally have a smaller carbon footprint than ocean cruises.
DID YOU KNOW?
Our knowledge and resources are here for your benefit, to not only help you make the right investment decisions, but to incorporate that into your larger financial picture. Connect with us today!
Financial Tips
Roth IRA for Kids
Small business owners may find it challenging to find ways to provide additional benefits to their children who work for the company. One often overlooked choice is including a Roth individual retirement account (IRA) as part of their compensation, a strategy that offers the potential to benefit both the children and the business.
Small businesses play a significant role in labor markets. They employ 61.7 million Americans, 46.4 percent of all private-sector employees. Over the period from 1995 to the present, small businesses have been responsible for generating 17.3 million net new jobs, which accounts for an impressive 62.7 percent of all jobs created since 1995.1
What’s happening at Tadman Financial?
UPCOMING –
Holiday Client Appreciation Event
Join us this November 22, 2025, for a festive Holiday Client Appreciation Event filled with cheer and celebration! Enjoy delicious food, seasonal drinks, and a special visit from Santa and Mrs. Claus, bringing holiday joy and photo-worthy memories for the whole family. We’ll also have a professional photographer on site to capture beautiful family portraits, ready just in time for your holiday cards. It’s our way of saying thank you and kicking off the season with the clients and families we’re so grateful for.
UPCOMING –
Retirement Planning Dinner and Seminar
Tadman Financial is excited to host a retirement planning dinner seminar this fall on October 16, 2025 at SpurWing Country Club in Meridian. While this is a public event, we always encourage our clients to attend and to bring along friends or referrals who may benefit from learning more about our retirement planning approach. There is no cost to attend, and Marty will be sharing his insights on building a strong, personalized retirement plan.
These seminars are ideal for individuals who are retired or planning to retire within the next 5–15 years. We’re also planning additional events geared toward those earlier in their financial journey. More details will be shared in the coming months, but for now, mark your calendars and start thinking about who in your life might benefit from joining us.
Something Personal
New Addition to the Family!
The Tadman family recently welcomed a new golden retriever puppy into our family—meet Titus! At just 8 weeks old, he’s a fluffy bundle of energy, curiosity, and cuteness. He’s already keeping us on our toes with his playful zoomies, middle-of-the-night potty breaks, and endless desire to chew on everything in sight. Titus has been happily learning the ropes from his big “brother,” Jericho, our sweet 5-year-old golden, who’s taking his new role in stride (with a few side-eyes during the chaos). The kids are completely smitten, and despite the lack of sleep and puppy messes, we’re all in love. He’s a lot of work, but he’s brought so much joy, laughter, and life into our home—it’s already hard to imagine life without him.
